2025 401k Contribution Limits 2025 Over 50. The contribution limits for a traditional or roth ira increased last year but remain steady for 2025. The ira catch‑up contribution limit for individuals aged 50 and over was amended under the secure 2.0 act of 2022 (secure 2.0) to include an annual cost‑of‑living adjustment but remains $1,000 for 2025.
$11,250, versus $7,500 for employees ages 50 to 59 or 64 and older. Those 50 to 59 and 64 and up are allowed to contribute up to $31,000.