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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 93 (from laksa188)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa093.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.fidelity.com/learning-center/smart-money/401k-contribution-limits\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.fidelity.com/learning-center/smart-money/401k-contribution-limits\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.fidelity.com\/learning-center\/smart-money\/401k-contribution-limits","crawl_time":1775386712,"first_indexed_time":1671867700,"http_code":200,"src_unparsed":"com,fidelity!www,\/learning-center\/smart-money\/401k-contribution-limits s443","src_root_hash":"17952695050214760493","history_drop_reason":null,"meta_title":"401(k) contribution limits 2025 and 2026 | Fidelity","meta_descriptions":["Here's how much you can contribute to your 401(k) in 2025 and 2026."],"attrs_boilerpipe_text":"Get to know how much you can save in your 401(k).\nKey takeaways\nThe IRS sets the maximum that you and your employer can contribute to your 401(k) each year.\nFor tax year 2025, the most you can contribute to a Roth 401(k), a traditional 401(k), or a combination of the two is $23,500. For 2026, this rises to $24,500 for 2026.\nThose 50 and older can contribute an additional $7,500 in 2025, and $8,000 in 2026. \nThose 60 to 63 can contribute an additional $11,250 in 2025 and 2026 in place of the $7,500, if your plan allows.\nWhile you can save quite a lot in a 401(k) every year, you can't contribute an unlimited amount: The IRS sets clear guidelines for 401(k) contribution limits each year that you and your employer must stick to.\n401(k) contribution limits for 2025\nThe 401(k) contribution limit for 2025 is $23,500 for employee salary deferrals, and $70,000 for the combined employee and employer contributions. If you're age 50 to 59 or 64 or older, you're eligible for a catch-up contribution up to an additional $7,500. Those between ages 60 and 63 are eligible to contribute up to $11,250 as a \"super\" catch-up contribution in lieu of the $7,500, if your plan allows. This means those 50 to 59 or 64 or older are able to contribute up to $31,000 in 2025 and those 60 to 63 are able to contribute up to $34,750 in 2025, if your plan allows. Depending on your plan, you may be able to make post-tax contributions beyond the pretax and Roth contribution limit but less than the combined employee and employer contribution limit to invest even more for retirement. Total contributions cannot exceed your annual eligible compensation at the company that sponsors your plan. Check with your plan sponsor to see what catch-up contributions are available to you.\n401(k) contribution limits for 2026\nThe 401(k) contribution limit for 2026 is $24,500 for employee salary deferrals, and $72,000 for the combined employee and employer contributions. If you're age 50 or older, you're eligible for a catch-up contribution and can contribute up to an additional $8,000 in 2026. However, if you're between ages 60 and 63 and your plan allows, you can contribute up to $11,250 as a \"super\" catch-up contribution in lieu of the standard $8,000. This means if you're age 50 or older you'll be able to contribute up to $32,500 in 2026, and if you're between 60 and 63 and your plan allows, you'll be able to contribute up to $35,750 in 2026. Depending on your plan, you may be able to make post-tax contributions beyond the pretax and Roth contribution limit but less than the combined employee and employer contribution limit to invest even more for retirement. Total contributions cannot exceed your annual eligible compensation at the company that sponsors your plan. Check with your plan sponsor to see what catch-up contributions are available to you.\nRoth 401(k) contribution limits\nThe\nRoth 401(k) contribution limits\nfor 2025 and 2026 are the same as those for traditional 401(k) plans. If you have access to a Roth 401(k) and a traditional 401(k), you can contribute up to the annual maximum across both. In other words, if you're under 50, you can't put more than $24,500 total as employee contributions in your 401(k) accounts in 2026, no matter how many accounts you have.\n401(k) contribution limits\nPretax and Roth employee contributions\nEmployee + employer contributions\nCatch-up contributions (in addition to the employee and employer limit)\n401(k) contribution limit for 2025\n$23,500\n$70,000\n$7,500 (50-59 or 64+), $11,250 (60-63, if your plan allows)\n401(k) contribution limit for 2026\n$24,500\n$72,000\n$8,000 (50-59 or 64+), $11,250 (60-63, if your plan allows)\nSource: IRS\n401(k) contribution limits when you have multiple 401(k) plans at different employers\nIf you have access to multiple 401(k) plans through different employers, you are still limited to the total employee contribution amount for the year.\nFor instance, if you have 2 401(k) plans in 2026, you may choose to split your maximum contribution of $24,500 between the plans.\nNote: These limits do not affect the amount you can put into an individual retirement account (IRA) each year. You can save the legally allowable maximum in both a 401(k) and an IRA.\nAfter-tax 401(k) contribution limits\nIf you reach the maximum that you can contribute to your 401(k), you may be able to save more for retirement in your workplace plan through\nafter-tax contributions\n. That means that while your after-tax contributions have the potential to benefit from investment growth while they're in your 401(k) account, you only pay taxes on the growth when you withdraw funds in retirement.\nDepending on your plan, you may be able to contribute up to the total employee and employer contribution limit for the year, provided your existing employee and employer contributions do not exceed the limit. For example, if you're under 50 and contributing $24,500 and your employer is contributing $20,000 in 2026, you could contribute up to an additional $27,500 as after-tax contributions to bring your total to $72,000. \nKeep in mind that not all 401(k) plans allow for these after-tax contributions. If yours doesn't—or you simply want to save even more than after-tax contributions alone allow—there are other strategies to consider, like an\nIRA\n.\nWhat happens if you contribute too much to your 401(k)?\nIf you defer more than your 401(k) plan allows, your excess deferrals will be treated as income in the year they are made and taxed a second time upon distribution. Excess deferrals and earnings can be reported on Form 1099-R when you file taxes.\nLuckily, most 401(k) plans have infrastructure in place to prevent overcontributions. But if you switch jobs midyear or have access to multiple plans, you may accidentally wind up saving too much in your 401(k). If this happens, you must request that any excess contributions be returned to you by April 15, including any earnings it made while it was in your 401(k) to avoid double taxation.\nHow much should you contribute to your 401(k)?\nIt can be hard to figure out\nhow much to save in your 401(k)\n. How are you supposed to know how much money you'll want or need in retirement?\nOur guideline is to aim to save at least 15% of your income each year (including any employer contributions) for retirement. That includes any savings in other retirement accounts, like a Roth IRA.\nHow to maximize your 401(k) contributions\nTo get the most out of your 401(k), make sure you're:\nContributing as early as you can\nStarting to save as soon as you can is one of the keys to a successful retirement. That's because the longer your money is invested, the longer it has to benefit from compound returns—in other words, when your investment returns earn returns of their own.\nTaking full advantage of any 401(k) match\nA 401(k) match is a special benefit your company puts into your 401(k) based on what you contribute. The formula used to determine 401(k) matches varies by company. Often, this match is 50 cents or $1 for each dollar you contribute. There is also often a cap on the amount your employer will match, such as 6% of your total pay. It's a good idea to contribute at least enough to get your full 401(k) match. Each dollar your company contributes is one that you don't have to.\nWorking toward saving 15% for retirement\nThat 15% can seem like a huge amount to save for retirement, particularly when you're just starting out. But remember that 15% also includes any percentage that your employer matches, and you're able to start small and work your way up to contribute more. That might mean opting to increase your 401(k) contribution rate by 1% each year or whenever you get a raise. And if you get a bonus or another unexpected windfall, consider setting aside at least a portion of it for your retirement savings.\nKeeping track of your 401(k)s\nIt may be surprising, but it's not uncommon for people to forget about 401(k) plans from previous jobs. Audit your résumé and see if you have any retirement accounts collecting dust. Keeping track of these can help you get the most out of the money you've already saved. If you do find money you'd forgotten about in an old plan, \nlearn more about your options\n.\nCheck out your workplace benefits\nFor easy access to your workplace benefits with Fidelity, log in to NetBenefits\n®\n.\nMore to explore","attrs_markdown":"[Skip to main content](https:\/\/www.fidelity.com\/learning-center\/smart-money\/401k-contribution-limits#navSkipToContent)\n\n[Fidelity.com Home](https:\/\/www.fidelity.com\/)\n\n[Log in](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page)\n\n- [Accounts & Trade]()\n  - [Portfolio](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page?AuthRedUrl=https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/summary)\n  - [Account Positions](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/positions)\n  - [Trade](https:\/\/digital.fidelity.com\/ftgw\/digital\/trade-equity\/index\/orderEntry)\n  - [Fidelity Trader+ Web](https:\/\/digital.fidelity.com\/ftgw\/digital\/trader-dashboard)\n  - [Fidelity Trader+](https:\/\/www.fidelity.com\/trading\/trading-platforms)\n  - 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[Documents](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/documents)\n  - [Tax Forms & Information](https:\/\/www.fidelity.com\/tax-information\/overview)\n  - [Retirement Distributions](https:\/\/digital.fidelity.com\/ftgw\/digital\/mrdhub)\n  - [Refer a Friend](https:\/\/www.fidelity.com\/customer-service\/friendsandfamily3a)\n- [Retirement]()\n  - [Retirement Planning](https:\/\/www.fidelity.com\/retirement\/retirement-planning)\n  - [401(k) Rollovers & IRA Transfers](https:\/\/www.fidelity.com\/retirement\/401k-rollover)\n  - [Retirement Accounts](https:\/\/www.fidelity.com\/retirement\/retirement-accounts)\n  - [Retirement Education](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement-education)\n- [Wealth Management]()\n  - [Wealth Management Offerings](https:\/\/www.fidelity.com\/wealth\/wealth-management-offerings)\n  - [Financial Advisors](https:\/\/www.fidelity.com\/wealth\/financial-advisors)\n  - [Financial Planning](https:\/\/www.fidelity.com\/wealth\/financial-planning)\n  - [Investment Management](https:\/\/www.fidelity.com\/wealth\/investment-management)\n  - [Wealth Management Insights](https:\/\/www.fidelity.com\/learning-center\/wealth-management-insights)\n- [News & Research]()\n  - [News](https:\/\/www.fidelity.com\/news\/overview)\n  - [Wealth Management Insights](https:\/\/www.fidelity.com\/learning-center\/wealth-management-insights)\n  - [Watchlist](https:\/\/digital.fidelity.com\/ftgw\/digital\/watwebex)\n  - [Alerts](https:\/\/alertable.fidelity.com\/ftgw\/digital\/alerts)\n  - [Stocks, ETFs, Crypto](https:\/\/digital.fidelity.com\/prgw\/digital\/research\/src)\n  - [Mutual Funds](https:\/\/fundresearch.fidelity.com\/fund-screener)\n  - [Fixed Income, Bonds & CDs](https:\/\/fixedincome.fidelity.com\/ftgw\/fi\/FILanding)\n  - [Options](https:\/\/digital.fidelity.com\/ftgw\/digital\/options-home\/)\n  - [IPOs](https:\/\/brokerage.fidelity.com\/ftgw\/brkg\/ipo\/calendar)\n  - [Annuities](https:\/\/fundresearch.fidelity.com\/fund-screener\/annuities\/)\n  - [Learn](https:\/\/www.fidelity.com\/learning-center\/overview)\n- [Products]()\n  - [Spending & Saving](https:\/\/www.fidelity.com\/spend-save\/overview)\n  - [Investing & Trading](https:\/\/www.fidelity.com\/trading\/overview)\n  - [Mutual Funds](https:\/\/www.fidelity.com\/mutual-funds\/overview)\n  - [Crypto](https:\/\/www.fidelity.com\/crypto\/overview)\n  - [Direct Indexing](https:\/\/www.fidelity.com\/direct-indexing\/overview)\n  - [Fixed Income, Bonds & CDs](https:\/\/www.fidelity.com\/fixed-income-bonds\/overview)\n  - [ETFs](https:\/\/www.fidelity.com\/etfs\/investing-in-etfs)\n  - [Options](https:\/\/www.fidelity.com\/options-trading\/overview)\n  - [Sustainable Investing](https:\/\/www.fidelity.com\/sustainable\/overview)\n  - [529 College Savings](https:\/\/www.fidelity.com\/529-plans\/overview)\n  - [Health Savings Accounts](https:\/\/www.fidelity.com\/go\/hsa\/why-hsa)\n  - [Annuities](https:\/\/www.fidelity.com\/annuities\/overview)\n  - [Life Insurance](https:\/\/www.fidelity.com\/life-insurance\/term-life-insurance\/overview)\n\n## Learn\n- [Learn](https:\/\/www.fidelity.com\/learning-center\/overview)\n- [Favorites](https:\/\/www.fidelity.com\/learning-center\/favorites)\n- Topics\n  - Financial essentials\n    - [Saving and budgeting money](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/saving-and-budgeting-money \"Saving and budgeting money\")\n    - [Managing debt](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/managing-debt \"Managing debt\")\n    - [Saving for retirement](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/saving-for-retirement \"Saving for retirement\")\n    - [Working and income](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/working-and-income \"Working and income\")\n    - [Managing health care](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/managing-health-care \"Managing health care\")\n    - [Talking to family about money](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/talking-to-family-about-money \"Talking to family about money\")\n    - [Personal finance for students](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/personal-finance-for-students \"Personal finance for students\")\n    - [Managing taxes](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/managing-taxes\/managing-taxes \"Managing taxes\")\n    - [Managing estate planning](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/managing-estate-planning \"Managing estate planning\")\n    - [Making charitable donations](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/charitable-giving\/making-charitable-donations \"Making charitable donations\")\n  - Life events\n    - [Changing jobs](https:\/\/www.fidelity.com\/learning-center\/life-events\/career-planning \"Changing jobs\")\n    - [Planning for college](https:\/\/www.fidelity.com\/learning-center\/life-events\/prepare-for-college \"Planning for college\")\n    - [Getting divorced](https:\/\/www.fidelity.com\/learning-center\/life-events\/getting-divorced \"Getting divorced\")\n    - [Becoming a parent](https:\/\/www.fidelity.com\/learning-center\/life-events\/parenting \"Becoming a parent\")\n    - [Caring for aging loved ones](https:\/\/www.fidelity.com\/learning-center\/life-events\/caring-for-the-aging \"Caring for aging loved ones\")\n    - [Marriage and partnering](https:\/\/www.fidelity.com\/learning-center\/life-events\/marriage \"Marriage and partnering\")\n    - [Buying or selling a house](https:\/\/www.fidelity.com\/learning-center\/life-events\/selling-and-buying-house \"Buying or selling a house\")\n    - [Retiring](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/planning-your-retirement \"Retiring\")\n    - [Losing a loved one](https:\/\/www.fidelity.com\/learning-center\/life-events\/loss-of-loved-one \"Losing a loved one\")\n    - [Making a major purchase](https:\/\/www.fidelity.com\/learning-center\/life-events\/major-purchase \"Making a major purchase&#9;\")\n    - [Experiencing illness or injury](https:\/\/www.fidelity.com\/learning-center\/life-events\/injury-and-illness \"Experiencing illness or injury\")\n    - [Disabilities and special needs](https:\/\/www.fidelity.com\/learning-center\/life-events\/disabilities-and-special-needs \"Disabilities and special needs\")\n    - [Aging well](https:\/\/www.fidelity.com\/learning-center\/life-events\/aging-well \"Aging well\")\n    - [Becoming self-employed](https:\/\/www.fidelity.com\/learning-center\/life-events\/how-to-become-self-employed \"Becoming self-employed\")\n  - Investing and trading\n    - [Investing for beginners](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/investing-for-beginners \"Investing for beginners\")\n    - [Trading for beginners](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/trading-for-beginners \"Trading for beginners\")\n    - [Crypto basics](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/crypto\/crypto-for-beginners \"Crypto basics\")\n    - [Crypto: Beyond the basics](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/crypto\/crypto-advanced \"Crypto: Beyond the basics\")\n    - [Alternative investing](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/alternative-investing \"Alternative investing\")\n    - [Exploring stocks and sectors](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/finding-stocks-and-sector-ideas \"Exploring stocks and sectors\")\n    - [Investing for income](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/investing-for-income \"Investing for income\")\n    - [Analyzing stock fundamentals](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/fundamental-analysis\/analyzing-stock-fundamentals \"Analyzing stock fundamentals\")\n    - [Using technical analysis](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/technical-analysis\/using-technical-analysis \"Using technical analysis\")\n  - Investment products\n    - [ETFs](https:\/\/www.fidelity.com\/learning-center\/investment-products\/etf\/etfs \"ETFs\")\n    - [Mutual funds](https:\/\/www.fidelity.com\/learning-center\/investment-products\/mutual-funds\/mutual-funds \"Mutual funds \")\n    - [Stocks](https:\/\/www.fidelity.com\/learning-center\/investment-products\/stocks\/stocks \"Stocks\")\n    - [Fixed income, bonds, CDs](https:\/\/www.fidelity.com\/learning-center\/investment-products\/fixed-income-bonds\/fixed-income-bonds-cds \"Fixed income, bonds, CDs\")\n    - [Annuities](https:\/\/www.fidelity.com\/learning-center\/investment-products\/annuities \"Annuities\")\n    - [Closed-end funds](https:\/\/www.fidelity.com\/learning-center\/investment-products\/closed-end-funds\/closed-end-funds \"Closed-end funds\")\n  - Advanced trading\n    - [Using margin](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/using-margin \"Using margin\")\n    - [Options trading basics](https:\/\/www.fidelity.com\/learning-center\/investment-products\/options\/options-for-beginners \"Options trading basics\")\n    - [Options: Beyond the basics](https:\/\/www.fidelity.com\/learning-center\/investment-products\/options\/options \"Options: Beyond the basics\")\n    - [Advanced trading strategies](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/more-trading-strategies \"Advanced trading strategies\")\n    - [Using Fidelity Trader+](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/trading-platforms\/using-trader-plus \"Using Fidelity Trader+\")\n    - [Options Strategy Guide](https:\/\/www.fidelity.com\/learning-center\/investment-products\/options\/options-strategy-guide\/overview \"Options Strategy Guide\")\n    - [Technical Indicator Guide](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/technical-analysis\/technical-indicator-guide\/overview \"Technical Indicator Guide\")\n  - [Latest Market Insights](https:\/\/www.fidelity.com\/viewpoints\/market-and-economic-insights\/market-volatility-overview \"Latest Market Insights\")\n  - [Viewpoints: Expert insights](https:\/\/www.fidelity.com\/learning-center\/viewpoints \"Viewpoints: Expert insights\")\n  - [Smart Money: Tips and tactics](https:\/\/www.fidelity.com\/learning-center\/smart-money \"Smart Money: Tips and tactics\")\n  - [Money Unscripted](https:\/\/www.fidelity.com\/learning-center\/money-unscripted \"Money Unscripted\")\n  - [The Trading Post](https:\/\/www.fidelity.com\/learning-center\/trading-post \"The Trading Post\")\n  - [Women Talk Money](https:\/\/www.fidelity.com\/learning-center\/women-talk-money \"Women Talk Money\")\n  - [Wealth Management Insights](https:\/\/www.fidelity.com\/learning-center\/wealth-management-insights \"Wealth Management Insights\")\n- Events\n  - [Upcoming events](https:\/\/fidelityevents.com\/allevents\/special \"Upcoming events\")\n  - [On-demand webinars](https:\/\/www.fidelity.com\/learning-center\/events\/investing-webinars \"On-demand webinars\")\n  - [Market briefings](https:\/\/fidelityevents.com\/allevents\/filtered?hubFilter=tags|Coaching,Market%20Analysis#hub \"Market briefings\")\n  - [Market Sense](https:\/\/www.fidelity.com\/learning-center\/live-pi \"Market Sense\")\n  - [Trading Strategy Desk® coaching](https:\/\/www.fidelity.com\/learning-center\/events\/coaching-sessions \"Trading Strategy Desk® coaching\")\n  - [Trading Strategy Desk® classes](https:\/\/www.fidelity.com\/learning-center\/events\/virtual-classrooms \"Trading Strategy Desk® classes\")\n- Search\n\nDecember 19, 2025\n\n![Estimate Time](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/time-clock-circle.svg)5 min\n\nSave ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/Bookmark.svg) ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/save-success.svg)\n\nClose Popover\n\n***\nGreat, you have saved this article to you My Learn Profile page.\n\nShare ![Share](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/share.svg)\n\nClose Popover\n\n***\n401(k) contribution limits 2025 and 2026 \\| Fidelity\n\nClicking a link will open a new window.\n\n- [Facebook](https:\/\/www.fidelity.com\/learning-center\/smart-money\/401k-contribution-limits#facebook)\n- [Twitter](https:\/\/www.fidelity.com\/learning-center\/smart-money\/401k-contribution-limits#twitter)\n- [LinkedIn](https:\/\/www.fidelity.com\/learning-center\/smart-money\/401k-contribution-limits#linkedin)\n\n[Print ![Print](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/Print.svg)](https:\/\/www.fidelity.com\/learning-center\/smart-money\/401k-contribution-limits#print)\n\n# 401(k) contribution limits for 2025 and 2026\nGet to know how much you can save in your 401(k).\n\nFidelity Learn\n\n![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/migration\/401k-contribution-limits-2022-and-2023_banner.png)\n\n### Key takeaways\n- The IRS sets the maximum that you and your employer can contribute to your 401(k) each year.\n- For tax year 2025, the most you can contribute to a Roth 401(k), a traditional 401(k), or a combination of the two is \\$23,500. For 2026, this rises to \\$24,500 for 2026.\n- Those 50 and older can contribute an additional \\$7,500 in 2025, and \\$8,000 in 2026.\n- Those 60 to 63 can contribute an additional \\$11,250 in 2025 and 2026 in place of the \\$7,500, if your plan allows.\n\nWhile you can save quite a lot in a 401(k) every year, you can't contribute an unlimited amount: The IRS sets clear guidelines for 401(k) contribution limits each year that you and your employer must stick to.\n\n### 401(k) contribution limits for 2025\nThe 401(k) contribution limit for 2025 is \\$23,500 for employee salary deferrals, and \\$70,000 for the combined employee and employer contributions. If you're age 50 to 59 or 64 or older, you're eligible for a catch-up contribution up to an additional \\$7,500. Those between ages 60 and 63 are eligible to contribute up to \\$11,250 as a \"super\" catch-up contribution in lieu of the \\$7,500, if your plan allows. This means those 50 to 59 or 64 or older are able to contribute up to \\$31,000 in 2025 and those 60 to 63 are able to contribute up to \\$34,750 in 2025, if your plan allows. Depending on your plan, you may be able to make post-tax contributions beyond the pretax and Roth contribution limit but less than the combined employee and employer contribution limit to invest even more for retirement. Total contributions cannot exceed your annual eligible compensation at the company that sponsors your plan. Check with your plan sponsor to see what catch-up contributions are available to you.\n\n### 401(k) contribution limits for 2026\nThe 401(k) contribution limit for 2026 is \\$24,500 for employee salary deferrals, and \\$72,000 for the combined employee and employer contributions. If you're age 50 or older, you're eligible for a catch-up contribution and can contribute up to an additional \\$8,000 in 2026. However, if you're between ages 60 and 63 and your plan allows, you can contribute up to \\$11,250 as a \"super\" catch-up contribution in lieu of the standard \\$8,000. This means if you're age 50 or older you'll be able to contribute up to \\$32,500 in 2026, and if you're between 60 and 63 and your plan allows, you'll be able to contribute up to \\$35,750 in 2026. Depending on your plan, you may be able to make post-tax contributions beyond the pretax and Roth contribution limit but less than the combined employee and employer contribution limit to invest even more for retirement. Total contributions cannot exceed your annual eligible compensation at the company that sponsors your plan. Check with your plan sponsor to see what catch-up contributions are available to you.\n\n### Roth 401(k) contribution limits\nThe [Roth 401(k) contribution limits](https:\/\/www.fidelity.com\/learning-center\/smart-money\/roth-401k-contribution-limits) for 2025 and 2026 are the same as those for traditional 401(k) plans. If you have access to a Roth 401(k) and a traditional 401(k), you can contribute up to the annual maximum across both. In other words, if you're under 50, you can't put more than \\$24,500 total as employee contributions in your 401(k) accounts in 2026, no matter how many accounts you have.\n\n### 401(k) contribution limits\n|   | Pretax and Roth employee contributions | Employee + employer contributions | Catch-up contributions (in addition to the employee and employer limit) |\n|---|---|---|---|\n| 401(k) contribution limit for 2025 | \\$23,500 | \\$70,000 | \\$7,500 (50-59 or 64+), \\$11,250 (60-63, if your plan allows) |\n| 401(k) contribution limit for 2026 | \\$24,500 | \\$72,000 | \\$8,000 (50-59 or 64+), \\$11,250 (60-63, if your plan allows) |\n\nSource: IRS\n\n### 401(k) contribution limits when you have multiple 401(k) plans at different employers\nIf you have access to multiple 401(k) plans through different employers, you are still limited to the total employee contribution amount for the year.\n\nFor instance, if you have 2 401(k) plans in 2026, you may choose to split your maximum contribution of \\$24,500 between the plans.\n\nNote: These limits do not affect the amount you can put into an individual retirement account (IRA) each year. You can save the legally allowable maximum in both a 401(k) and an IRA.\n\n### After-tax 401(k) contribution limits\nIf you reach the maximum that you can contribute to your 401(k), you may be able to save more for retirement in your workplace plan through [after-tax contributions](https:\/\/www.fidelity.com\/viewpoints\/retirement\/401k-contributions). That means that while your after-tax contributions have the potential to benefit from investment growth while they're in your 401(k) account, you only pay taxes on the growth when you withdraw funds in retirement.\n\nDepending on your plan, you may be able to contribute up to the total employee and employer contribution limit for the year, provided your existing employee and employer contributions do not exceed the limit. For example, if you're under 50 and contributing \\$24,500 and your employer is contributing \\$20,000 in 2026, you could contribute up to an additional \\$27,500 as after-tax contributions to bring your total to \\$72,000.\n\nKeep in mind that not all 401(k) plans allow for these after-tax contributions. If yours doesn't—or you simply want to save even more than after-tax contributions alone allow—there are other strategies to consider, like an [IRA](https:\/\/www.fidelity.com\/building-savings\/learn-about-iras\/what-is-an-ira).\n\n### What happens if you contribute too much to your 401(k)?\nIf you defer more than your 401(k) plan allows, your excess deferrals will be treated as income in the year they are made and taxed a second time upon distribution. Excess deferrals and earnings can be reported on Form 1099-R when you file taxes.\n\nLuckily, most 401(k) plans have infrastructure in place to prevent overcontributions. But if you switch jobs midyear or have access to multiple plans, you may accidentally wind up saving too much in your 401(k). If this happens, you must request that any excess contributions be returned to you by April 15, including any earnings it made while it was in your 401(k) to avoid double taxation.\n\n### How much should you contribute to your 401(k)?\nIt can be hard to figure out [how much to save in your 401(k)](https:\/\/www.fidelity.com\/viewpoints\/retirement\/how-much-money-should-I-save). How are you supposed to know how much money you'll want or need in retirement?\n\nOur guideline is to aim to save at least 15% of your income each year (including any employer contributions) for retirement. That includes any savings in other retirement accounts, like a Roth IRA.\n\n### How to maximize your 401(k) contributions\nTo get the most out of your 401(k), make sure you're:\n\n1. **Contributing as early as you can**   \n    Starting to save as soon as you can is one of the keys to a successful retirement. That's because the longer your money is invested, the longer it has to benefit from compound returns—in other words, when your investment returns earn returns of their own.\n2. **Taking full advantage of any 401(k) match**   \n    A 401(k) match is a special benefit your company puts into your 401(k) based on what you contribute. The formula used to determine 401(k) matches varies by company. Often, this match is 50 cents or \\$1 for each dollar you contribute. There is also often a cap on the amount your employer will match, such as 6% of your total pay. It's a good idea to contribute at least enough to get your full 401(k) match. Each dollar your company contributes is one that you don't have to.\n3. **Working toward saving 15% for retirement**   \n    That 15% can seem like a huge amount to save for retirement, particularly when you're just starting out. But remember that 15% also includes any percentage that your employer matches, and you're able to start small and work your way up to contribute more. That might mean opting to increase your 401(k) contribution rate by 1% each year or whenever you get a raise. And if you get a bonus or another unexpected windfall, consider setting aside at least a portion of it for your retirement savings.\n4. **Keeping track of your 401(k)s**   \n    It may be surprising, but it's not uncommon for people to forget about 401(k) plans from previous jobs. Audit your résumé and see if you have any retirement accounts collecting dust. Keeping track of these can help you get the most out of the money you've already saved. If you do find money you'd forgotten about in an old plan, [learn more about your options](https:\/\/www.fidelity.com\/viewpoints\/retirement\/what-to-do-with-an-old-401k).\n\n## Check out your workplace benefits\nFor easy access to your workplace benefits with Fidelity, log in to NetBenefits®.\n\n[Log inLog In Required](https:\/\/nb.fidelity.com\/public\/nb\/default\/home \"Log in\")\n\n## More to explore\n### [Maxed out your 401(k)? 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Build your knowledge with education for all levels.\n\n### *Fidelity Smart Money℠*\nWhat the news means for your money, plus tips to help you spend, save, and invest.\n\n### Active Investor\nOur most advanced investment insights, strategies, and tools.\n\n### *Insights from Fidelity Wealth Management* ℠\nTimely news, events, and wealth strategies from top Fidelity thought leaders.\n\n### Women Talk Money\nReal talk and helpful tips about money, investing, and careers.\n\n### Educational Webinars and Events\nFree financial education from Fidelity and other leading industry professionals.\n\n*Fidelity Viewpoints®*\n\nTimely news and insights from our pros on markets, investing, and personal finance.(debug tcm:2 ...\n\nDecode Crypto\n\nClarity on crypto every month. Build your knowledge with education for all levels.\n\n*Fidelity Smart Money℠*\n\nWhat the news means for your money, plus tips to help you spend, save, and invest.\n\nActive Investor\n\nOur most advanced investment insights, strategies, and tools.\n\n*Insights from Fidelity Wealth Management* ℠\n\nTimely news, events, and wealth strategies from top Fidelity thought leaders.\n\nWomen Talk Money\n\nReal talk and helpful tips about money, investing, and careers.\n\nEducational Webinars and Events\n\nFree financial education from Fidelity and other leading industry professionals.\n\nDone\n\nAdd subscriptions\n\nNo, thanks.\n\nLoading\n\n- [Managing taxes](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/managing-taxes\/managing-taxes)\n- [Changing jobs](https:\/\/www.fidelity.com\/learning-center\/life-events\/career-planning)\n- [Investing for income](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/investing-for-income)\n- [Preparing for retirement](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/planning-your-retirement)\n- [Saving for retirement](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/saving-for-retirement)\n- [Living in retirement](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/planning-your-retirement)\n\n*Keep in mind that investing involves risk. 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bPJL+pkG7w4iF1IiZLyXhfbQ7pml9e3604pRtnPccfbDeIDF0v6ba\/uJ4NBrnVJRu9y\/BnOlMoqjVPDpsP3c7dAzw4SR1mWv8zQEYrcClV137yHSITjs3bAQfYYQRRhhhhBFGGAH8D9DXSGd7oPh2AAAAAElFTkSuQmCC)\n\nWelcome 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information](https:\/\/www.fidelity.com\/learning-center\/smart-money\/401k-contribution-limits)\n\n![](data:image\/png;base64,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)\n\nTo get your conversation started, type a question in the entry field or choose from one of the following popular topics and commonly asked questions.\n\n- What is the 401(k) contribution limit?\n- How can I transfer my 401k to my existing Roth IRA without exceeding the annual contribution limit?\n- How the \\$69,000 annual conversion limit for after-tax 401(k) contributions work?\n\nProvide Feedback\n\nanswers will appear above the text input\n\nSubmit message","attrs_readable_markdown":"Get to know how much you can save in your 401(k).\n\n![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/migration\/401k-contribution-limits-2022-and-2023_banner.png)\n\n### Key takeaways\n- The IRS sets the maximum that you and your employer can contribute to your 401(k) each year.\n- For tax year 2025, the most you can contribute to a Roth 401(k), a traditional 401(k), or a combination of the two is \\$23,500. For 2026, this rises to \\$24,500 for 2026.\n- Those 50 and older can contribute an additional \\$7,500 in 2025, and \\$8,000 in 2026.\n- Those 60 to 63 can contribute an additional \\$11,250 in 2025 and 2026 in place of the \\$7,500, if your plan allows.\n\nWhile you can save quite a lot in a 401(k) every year, you can't contribute an unlimited amount: The IRS sets clear guidelines for 401(k) contribution limits each year that you and your employer must stick to.\n\n### 401(k) contribution limits for 2025\nThe 401(k) contribution limit for 2025 is \\$23,500 for employee salary deferrals, and \\$70,000 for the combined employee and employer contributions. If you're age 50 to 59 or 64 or older, you're eligible for a catch-up contribution up to an additional \\$7,500. Those between ages 60 and 63 are eligible to contribute up to \\$11,250 as a \"super\" catch-up contribution in lieu of the \\$7,500, if your plan allows. This means those 50 to 59 or 64 or older are able to contribute up to \\$31,000 in 2025 and those 60 to 63 are able to contribute up to \\$34,750 in 2025, if your plan allows. Depending on your plan, you may be able to make post-tax contributions beyond the pretax and Roth contribution limit but less than the combined employee and employer contribution limit to invest even more for retirement. Total contributions cannot exceed your annual eligible compensation at the company that sponsors your plan. Check with your plan sponsor to see what catch-up contributions are available to you.\n\n### 401(k) contribution limits for 2026\nThe 401(k) contribution limit for 2026 is \\$24,500 for employee salary deferrals, and \\$72,000 for the combined employee and employer contributions. If you're age 50 or older, you're eligible for a catch-up contribution and can contribute up to an additional \\$8,000 in 2026. However, if you're between ages 60 and 63 and your plan allows, you can contribute up to \\$11,250 as a \"super\" catch-up contribution in lieu of the standard \\$8,000. This means if you're age 50 or older you'll be able to contribute up to \\$32,500 in 2026, and if you're between 60 and 63 and your plan allows, you'll be able to contribute up to \\$35,750 in 2026. Depending on your plan, you may be able to make post-tax contributions beyond the pretax and Roth contribution limit but less than the combined employee and employer contribution limit to invest even more for retirement. Total contributions cannot exceed your annual eligible compensation at the company that sponsors your plan. Check with your plan sponsor to see what catch-up contributions are available to you.\n\n### Roth 401(k) contribution limits\nThe [Roth 401(k) contribution limits](https:\/\/www.fidelity.com\/learning-center\/smart-money\/roth-401k-contribution-limits) for 2025 and 2026 are the same as those for traditional 401(k) plans. If you have access to a Roth 401(k) and a traditional 401(k), you can contribute up to the annual maximum across both. In other words, if you're under 50, you can't put more than \\$24,500 total as employee contributions in your 401(k) accounts in 2026, no matter how many accounts you have.\n\n### 401(k) contribution limits\n|   | Pretax and Roth employee contributions | Employee + employer contributions | Catch-up contributions (in addition to the employee and employer limit) |\n|---|---|---|---|\n| 401(k) contribution limit for 2025 | \\$23,500 | \\$70,000 | \\$7,500 (50-59 or 64+), \\$11,250 (60-63, if your plan allows) |\n| 401(k) contribution limit for 2026 | \\$24,500 | \\$72,000 | \\$8,000 (50-59 or 64+), \\$11,250 (60-63, if your plan allows) |\n\nSource: IRS\n\n### 401(k) contribution limits when you have multiple 401(k) plans at different employers\nIf you have access to multiple 401(k) plans through different employers, you are still limited to the total employee contribution amount for the year.\n\nFor instance, if you have 2 401(k) plans in 2026, you may choose to split your maximum contribution of \\$24,500 between the plans.\n\nNote: These limits do not affect the amount you can put into an individual retirement account (IRA) each year. You can save the legally allowable maximum in both a 401(k) and an IRA.\n\n### After-tax 401(k) contribution limits\nIf you reach the maximum that you can contribute to your 401(k), you may be able to save more for retirement in your workplace plan through [after-tax contributions](https:\/\/www.fidelity.com\/viewpoints\/retirement\/401k-contributions). That means that while your after-tax contributions have the potential to benefit from investment growth while they're in your 401(k) account, you only pay taxes on the growth when you withdraw funds in retirement.\n\nDepending on your plan, you may be able to contribute up to the total employee and employer contribution limit for the year, provided your existing employee and employer contributions do not exceed the limit. For example, if you're under 50 and contributing \\$24,500 and your employer is contributing \\$20,000 in 2026, you could contribute up to an additional \\$27,500 as after-tax contributions to bring your total to \\$72,000.\n\nKeep in mind that not all 401(k) plans allow for these after-tax contributions. If yours doesn't—or you simply want to save even more than after-tax contributions alone allow—there are other strategies to consider, like an [IRA](https:\/\/www.fidelity.com\/building-savings\/learn-about-iras\/what-is-an-ira).\n\n### What happens if you contribute too much to your 401(k)?\nIf you defer more than your 401(k) plan allows, your excess deferrals will be treated as income in the year they are made and taxed a second time upon distribution. Excess deferrals and earnings can be reported on Form 1099-R when you file taxes.\n\nLuckily, most 401(k) plans have infrastructure in place to prevent overcontributions. But if you switch jobs midyear or have access to multiple plans, you may accidentally wind up saving too much in your 401(k). If this happens, you must request that any excess contributions be returned to you by April 15, including any earnings it made while it was in your 401(k) to avoid double taxation.\n\n### How much should you contribute to your 401(k)?\nIt can be hard to figure out [how much to save in your 401(k)](https:\/\/www.fidelity.com\/viewpoints\/retirement\/how-much-money-should-I-save). How are you supposed to know how much money you'll want or need in retirement?\n\nOur guideline is to aim to save at least 15% of your income each year (including any employer contributions) for retirement. That includes any savings in other retirement accounts, like a Roth IRA.\n\n### How to maximize your 401(k) contributions\nTo get the most out of your 401(k), make sure you're:\n\n1. **Contributing as early as you can**   \n    Starting to save as soon as you can is one of the keys to a successful retirement. That's because the longer your money is invested, the longer it has to benefit from compound returns—in other words, when your investment returns earn returns of their own.\n2. **Taking full advantage of any 401(k) match**   \n    A 401(k) match is a special benefit your company puts into your 401(k) based on what you contribute. The formula used to determine 401(k) matches varies by company. Often, this match is 50 cents or \\$1 for each dollar you contribute. There is also often a cap on the amount your employer will match, such as 6% of your total pay. It's a good idea to contribute at least enough to get your full 401(k) match. Each dollar your company contributes is one that you don't have to.\n3. **Working toward saving 15% for retirement**   \n    That 15% can seem like a huge amount to save for retirement, particularly when you're just starting out. But remember that 15% also includes any percentage that your employer matches, and you're able to start small and work your way up to contribute more. That might mean opting to increase your 401(k) contribution rate by 1% each year or whenever you get a raise. And if you get a bonus or another unexpected windfall, consider setting aside at least a portion of it for your retirement savings.\n4. **Keeping track of your 401(k)s**   \n    It may be surprising, but it's not uncommon for people to forget about 401(k) plans from previous jobs. Audit your résumé and see if you have any retirement accounts collecting dust. Keeping track of these can help you get the most out of the money you've already saved. If you do find money you'd forgotten about in an old plan, [learn more about your options](https:\/\/www.fidelity.com\/viewpoints\/retirement\/what-to-do-with-an-old-401k).\n\nCheck out your workplace benefits\n\nFor easy access to your workplace benefits with Fidelity, log in to NetBenefits®.\n\nMore to explore","meta_canonical":null}

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URL	https://www.fidelity.com/learning-center/smart-money/401k-contribution-limits
Last Crawled	2026-04-05 10:58:32 (2 days ago)
First Indexed	2022-12-24 07:41:40 (3 years ago)
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Meta Title	401(k) contribution limits 2025 and 2026 \| Fidelity
Meta Description	Here's how much you can contribute to your 401(k) in 2025 and 2026.
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Boilerpipe Text	Get to know how much you can save in your 401(k). Key takeaways The IRS sets the maximum that you and your employer can contribute to your 401(k) each year. For tax year 2025, the most you can contribute to a Roth 401(k), a traditional 401(k), or a combination of the two is $23,500. For 2026, this rises to $24,500 for 2026. Those 50 and older can contribute an additional $7,500 in 2025, and $8,000 in 2026. Those 60 to 63 can contribute an additional $11,250 in 2025 and 2026 in place of the $7,500, if your plan allows. While you can save quite a lot in a 401(k) every year, you can't contribute an unlimited amount: The IRS sets clear guidelines for 401(k) contribution limits each year that you and your employer must stick to. 401(k) contribution limits for 2025 The 401(k) contribution limit for 2025 is $23,500 for employee salary deferrals, and $70,000 for the combined employee and employer contributions. If you're age 50 to 59 or 64 or older, you're eligible for a catch-up contribution up to an additional $7,500. Those between ages 60 and 63 are eligible to contribute up to $11,250 as a "super" catch-up contribution in lieu of the $7,500, if your plan allows. This means those 50 to 59 or 64 or older are able to contribute up to $31,000 in 2025 and those 60 to 63 are able to contribute up to $34,750 in 2025, if your plan allows. Depending on your plan, you may be able to make post-tax contributions beyond the pretax and Roth contribution limit but less than the combined employee and employer contribution limit to invest even more for retirement. Total contributions cannot exceed your annual eligible compensation at the company that sponsors your plan. Check with your plan sponsor to see what catch-up contributions are available to you. 401(k) contribution limits for 2026 The 401(k) contribution limit for 2026 is $24,500 for employee salary deferrals, and $72,000 for the combined employee and employer contributions. If you're age 50 or older, you're eligible for a catch-up contribution and can contribute up to an additional $8,000 in 2026. However, if you're between ages 60 and 63 and your plan allows, you can contribute up to $11,250 as a "super" catch-up contribution in lieu of the standard $8,000. This means if you're age 50 or older you'll be able to contribute up to $32,500 in 2026, and if you're between 60 and 63 and your plan allows, you'll be able to contribute up to $35,750 in 2026. Depending on your plan, you may be able to make post-tax contributions beyond the pretax and Roth contribution limit but less than the combined employee and employer contribution limit to invest even more for retirement. Total contributions cannot exceed your annual eligible compensation at the company that sponsors your plan. Check with your plan sponsor to see what catch-up contributions are available to you. Roth 401(k) contribution limits The Roth 401(k) contribution limits for 2025 and 2026 are the same as those for traditional 401(k) plans. If you have access to a Roth 401(k) and a traditional 401(k), you can contribute up to the annual maximum across both. In other words, if you're under 50, you can't put more than $24,500 total as employee contributions in your 401(k) accounts in 2026, no matter how many accounts you have. 401(k) contribution limits Pretax and Roth employee contributions Employee + employer contributions Catch-up contributions (in addition to the employee and employer limit) 401(k) contribution limit for 2025 $23,500 $70,000 $7,500 (50-59 or 64+), $11,250 (60-63, if your plan allows) 401(k) contribution limit for 2026 $24,500 $72,000 $8,000 (50-59 or 64+), $11,250 (60-63, if your plan allows) Source: IRS 401(k) contribution limits when you have multiple 401(k) plans at different employers If you have access to multiple 401(k) plans through different employers, you are still limited to the total employee contribution amount for the year. For instance, if you have 2 401(k) plans in 2026, you may choose to split your maximum contribution of $24,500 between the plans. Note: These limits do not affect the amount you can put into an individual retirement account (IRA) each year. You can save the legally allowable maximum in both a 401(k) and an IRA. After-tax 401(k) contribution limits If you reach the maximum that you can contribute to your 401(k), you may be able to save more for retirement in your workplace plan through after-tax contributions . That means that while your after-tax contributions have the potential to benefit from investment growth while they're in your 401(k) account, you only pay taxes on the growth when you withdraw funds in retirement. Depending on your plan, you may be able to contribute up to the total employee and employer contribution limit for the year, provided your existing employee and employer contributions do not exceed the limit. For example, if you're under 50 and contributing $24,500 and your employer is contributing $20,000 in 2026, you could contribute up to an additional $27,500 as after-tax contributions to bring your total to $72,000. Keep in mind that not all 401(k) plans allow for these after-tax contributions. If yours doesn't—or you simply want to save even more than after-tax contributions alone allow—there are other strategies to consider, like an IRA . What happens if you contribute too much to your 401(k)? If you defer more than your 401(k) plan allows, your excess deferrals will be treated as income in the year they are made and taxed a second time upon distribution. Excess deferrals and earnings can be reported on Form 1099-R when you file taxes. Luckily, most 401(k) plans have infrastructure in place to prevent overcontributions. But if you switch jobs midyear or have access to multiple plans, you may accidentally wind up saving too much in your 401(k). If this happens, you must request that any excess contributions be returned to you by April 15, including any earnings it made while it was in your 401(k) to avoid double taxation. How much should you contribute to your 401(k)? It can be hard to figure out how much to save in your 401(k) . How are you supposed to know how much money you'll want or need in retirement? Our guideline is to aim to save at least 15% of your income each year (including any employer contributions) for retirement. That includes any savings in other retirement accounts, like a Roth IRA. How to maximize your 401(k) contributions To get the most out of your 401(k), make sure you're: Contributing as early as you can Starting to save as soon as you can is one of the keys to a successful retirement. That's because the longer your money is invested, the longer it has to benefit from compound returns—in other words, when your investment returns earn returns of their own. Taking full advantage of any 401(k) match A 401(k) match is a special benefit your company puts into your 401(k) based on what you contribute. The formula used to determine 401(k) matches varies by company. Often, this match is 50 cents or $1 for each dollar you contribute. There is also often a cap on the amount your employer will match, such as 6% of your total pay. It's a good idea to contribute at least enough to get your full 401(k) match. Each dollar your company contributes is one that you don't have to. Working toward saving 15% for retirement That 15% can seem like a huge amount to save for retirement, particularly when you're just starting out. But remember that 15% also includes any percentage that your employer matches, and you're able to start small and work your way up to contribute more. That might mean opting to increase your 401(k) contribution rate by 1% each year or whenever you get a raise. And if you get a bonus or another unexpected windfall, consider setting aside at least a portion of it for your retirement savings. Keeping track of your 401(k)s It may be surprising, but it's not uncommon for people to forget about 401(k) plans from previous jobs. Audit your résumé and see if you have any retirement accounts collecting dust. Keeping track of these can help you get the most out of the money you've already saved. If you do find money you'd forgotten about in an old plan, learn more about your options . Check out your workplace benefits For easy access to your workplace benefits with Fidelity, log in to NetBenefits ® . More to explore
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Search December 19, 2025 ![Estimate Time](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/article/time-clock-circle.svg)5 min Save ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/article/Bookmark.svg) ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/article/save-success.svg) Close Popover * Great, you have saved this article to you My Learn Profile page. Share ![Share](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/article/share.svg) Close Popover * 401(k) contribution limits 2025 and 2026 \\| Fidelity Clicking a link will open a new window. - [Facebook](https://www.fidelity.com/learning-center/smart-money/401k-contribution-limits#facebook) - [Twitter](https://www.fidelity.com/learning-center/smart-money/401k-contribution-limits#twitter) - [LinkedIn](https://www.fidelity.com/learning-center/smart-money/401k-contribution-limits#linkedin) [Print ![Print](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/article/Print.svg)](https://www.fidelity.com/learning-center/smart-money/401k-contribution-limits#print) # 401(k) contribution limits for 2025 and 2026 Get to know how much you can save in your 401(k). Fidelity Learn ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/migration/401k-contribution-limits-2022-and-2023_banner.png) ### Key takeaways - The IRS sets the maximum that you and your employer can contribute to your 401(k) each year. - For tax year 2025, the most you can contribute to a Roth 401(k), a traditional 401(k), or a combination of the two is \$23,500. For 2026, this rises to \$24,500 for 2026. - Those 50 and older can contribute an additional \$7,500 in 2025, and \$8,000 in 2026. - Those 60 to 63 can contribute an additional \$11,250 in 2025 and 2026 in place of the \$7,500, if your plan allows. While you can save quite a lot in a 401(k) every year, you can't contribute an unlimited amount: The IRS sets clear guidelines for 401(k) contribution limits each year that you and your employer must stick to. ### 401(k) contribution limits for 2025 The 401(k) contribution limit for 2025 is \$23,500 for employee salary deferrals, and \$70,000 for the combined employee and employer contributions. If you're age 50 to 59 or 64 or older, you're eligible for a catch-up contribution up to an additional \$7,500. Those between ages 60 and 63 are eligible to contribute up to \$11,250 as a "super" catch-up contribution in lieu of the \$7,500, if your plan allows. This means those 50 to 59 or 64 or older are able to contribute up to \$31,000 in 2025 and those 60 to 63 are able to contribute up to \$34,750 in 2025, if your plan allows. Depending on your plan, you may be able to make post-tax contributions beyond the pretax and Roth contribution limit but less than the combined employee and employer contribution limit to invest even more for retirement. Total contributions cannot exceed your annual eligible compensation at the company that sponsors your plan. Check with your plan sponsor to see what catch-up contributions are available to you. ### 401(k) contribution limits for 2026 The 401(k) contribution limit for 2026 is \$24,500 for employee salary deferrals, and \$72,000 for the combined employee and employer contributions. If you're age 50 or older, you're eligible for a catch-up contribution and can contribute up to an additional \$8,000 in 2026. However, if you're between ages 60 and 63 and your plan allows, you can contribute up to \$11,250 as a "super" catch-up contribution in lieu of the standard \$8,000. This means if you're age 50 or older you'll be able to contribute up to \$32,500 in 2026, and if you're between 60 and 63 and your plan allows, you'll be able to contribute up to \$35,750 in 2026. Depending on your plan, you may be able to make post-tax contributions beyond the pretax and Roth contribution limit but less than the combined employee and employer contribution limit to invest even more for retirement. Total contributions cannot exceed your annual eligible compensation at the company that sponsors your plan. Check with your plan sponsor to see what catch-up contributions are available to you. ### Roth 401(k) contribution limits The [Roth 401(k) contribution limits](https://www.fidelity.com/learning-center/smart-money/roth-401k-contribution-limits) for 2025 and 2026 are the same as those for traditional 401(k) plans. If you have access to a Roth 401(k) and a traditional 401(k), you can contribute up to the annual maximum across both. In other words, if you're under 50, you can't put more than \$24,500 total as employee contributions in your 401(k) accounts in 2026, no matter how many accounts you have. ### 401(k) contribution limits \| \| Pretax and Roth employee contributions \| Employee + employer contributions \| Catch-up contributions (in addition to the employee and employer limit) \| \|---\|---\|---\|---\| \| 401(k) contribution limit for 2025 \| \$23,500 \| \$70,000 \| \$7,500 (50-59 or 64+), \$11,250 (60-63, if your plan allows) \| \| 401(k) contribution limit for 2026 \| \$24,500 \| \$72,000 \| \$8,000 (50-59 or 64+), \$11,250 (60-63, if your plan allows) \| Source: IRS ### 401(k) contribution limits when you have multiple 401(k) plans at different employers If you have access to multiple 401(k) plans through different employers, you are still limited to the total employee contribution amount for the year. For instance, if you have 2 401(k) plans in 2026, you may choose to split your maximum contribution of \$24,500 between the plans. Note: These limits do not affect the amount you can put into an individual retirement account (IRA) each year. You can save the legally allowable maximum in both a 401(k) and an IRA. ### After-tax 401(k) contribution limits If you reach the maximum that you can contribute to your 401(k), you may be able to save more for retirement in your workplace plan through [after-tax contributions](https://www.fidelity.com/viewpoints/retirement/401k-contributions). That means that while your after-tax contributions have the potential to benefit from investment growth while they're in your 401(k) account, you only pay taxes on the growth when you withdraw funds in retirement. Depending on your plan, you may be able to contribute up to the total employee and employer contribution limit for the year, provided your existing employee and employer contributions do not exceed the limit. For example, if you're under 50 and contributing \$24,500 and your employer is contributing \$20,000 in 2026, you could contribute up to an additional \$27,500 as after-tax contributions to bring your total to \$72,000. Keep in mind that not all 401(k) plans allow for these after-tax contributions. If yours doesn't—or you simply want to save even more than after-tax contributions alone allow—there are other strategies to consider, like an [IRA](https://www.fidelity.com/building-savings/learn-about-iras/what-is-an-ira). ### What happens if you contribute too much to your 401(k)? If you defer more than your 401(k) plan allows, your excess deferrals will be treated as income in the year they are made and taxed a second time upon distribution. Excess deferrals and earnings can be reported on Form 1099-R when you file taxes. Luckily, most 401(k) plans have infrastructure in place to prevent overcontributions. But if you switch jobs midyear or have access to multiple plans, you may accidentally wind up saving too much in your 401(k). If this happens, you must request that any excess contributions be returned to you by April 15, including any earnings it made while it was in your 401(k) to avoid double taxation. ### How much should you contribute to your 401(k)? It can be hard to figure out [how much to save in your 401(k)](https://www.fidelity.com/viewpoints/retirement/how-much-money-should-I-save). How are you supposed to know how much money you'll want or need in retirement? Our guideline is to aim to save at least 15% of your income each year (including any employer contributions) for retirement. That includes any savings in other retirement accounts, like a Roth IRA. ### How to maximize your 401(k) contributions To get the most out of your 401(k), make sure you're: 1. Contributing as early as you can Starting to save as soon as you can is one of the keys to a successful retirement. That's because the longer your money is invested, the longer it has to benefit from compound returns—in other words, when your investment returns earn returns of their own. 2. Taking full advantage of any 401(k) match A 401(k) match is a special benefit your company puts into your 401(k) based on what you contribute. The formula used to determine 401(k) matches varies by company. Often, this match is 50 cents or \$1 for each dollar you contribute. There is also often a cap on the amount your employer will match, such as 6% of your total pay. It's a good idea to contribute at least enough to get your full 401(k) match. Each dollar your company contributes is one that you don't have to. 3. Working toward saving 15% for retirement That 15% can seem like a huge amount to save for retirement, particularly when you're just starting out. But remember that 15% also includes any percentage that your employer matches, and you're able to start small and work your way up to contribute more. That might mean opting to increase your 401(k) contribution rate by 1% each year or whenever you get a raise. And if you get a bonus or another unexpected windfall, consider setting aside at least a portion of it for your retirement savings. 4. Keeping track of your 401(k)s It may be surprising, but it's not uncommon for people to forget about 401(k) plans from previous jobs. Audit your résumé and see if you have any retirement accounts collecting dust. Keeping track of these can help you get the most out of the money you've already saved. If you do find money you'd forgotten about in an old plan, [learn more about your options](https://www.fidelity.com/viewpoints/retirement/what-to-do-with-an-old-401k). ## Check out your workplace benefits For easy access to your workplace benefits with Fidelity, log in to NetBenefits®. [Log inLog In Required](https://nb.fidelity.com/public/nb/default/home "Log in") ## More to explore ### [Maxed out your 401(k)? Learn about IRAs](https://www.fidelity.com/retirement-ira/overview) We can help you understand your options, plus potential tax benefits. ### [Retirement roadmap](https://www.fidelity.com/viewpoints/retirement/retirement-roadmap) 4 key retirement guideposts to help you stay on target. ## Subscribe to Fidelity Smart Money℠ What the news means for your money, plus tips to help you spend, save, and invest. ### Looking for more ideas and insights? We'll deliver them right to your inbox. Manage subscriptions ### Thanks for subscribing\! 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![](data:image/png;base64,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) 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[Important information](https://www.fidelity.com/learning-center/smart-money/401k-contribution-limits) 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zw4SR1mWv8zQEYrcClV137yHSITjs3bAQfYYQRRhhhhBFGGAH8D9DXSGd7oPh2AAAAAElFTkSuQmCC) To get your conversation started, type a question in the entry field or choose from one of the following popular topics and commonly asked questions. - What is the 401(k) contribution limit? - How can I transfer my 401k to my existing Roth IRA without exceeding the annual contribution limit? - How the \$69,000 annual conversion limit for after-tax 401(k) contributions work? 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Readable Markdown	Get to know how much you can save in your 401(k). ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/migration/401k-contribution-limits-2022-and-2023_banner.png) ### Key takeaways - The IRS sets the maximum that you and your employer can contribute to your 401(k) each year. - For tax year 2025, the most you can contribute to a Roth 401(k), a traditional 401(k), or a combination of the two is \$23,500. For 2026, this rises to \$24,500 for 2026. - Those 50 and older can contribute an additional \$7,500 in 2025, and \$8,000 in 2026. - Those 60 to 63 can contribute an additional \$11,250 in 2025 and 2026 in place of the \$7,500, if your plan allows. While you can save quite a lot in a 401(k) every year, you can't contribute an unlimited amount: The IRS sets clear guidelines for 401(k) contribution limits each year that you and your employer must stick to. ### 401(k) contribution limits for 2025 The 401(k) contribution limit for 2025 is \$23,500 for employee salary deferrals, and \$70,000 for the combined employee and employer contributions. If you're age 50 to 59 or 64 or older, you're eligible for a catch-up contribution up to an additional \$7,500. Those between ages 60 and 63 are eligible to contribute up to \$11,250 as a "super" catch-up contribution in lieu of the \$7,500, if your plan allows. This means those 50 to 59 or 64 or older are able to contribute up to \$31,000 in 2025 and those 60 to 63 are able to contribute up to \$34,750 in 2025, if your plan allows. Depending on your plan, you may be able to make post-tax contributions beyond the pretax and Roth contribution limit but less than the combined employee and employer contribution limit to invest even more for retirement. Total contributions cannot exceed your annual eligible compensation at the company that sponsors your plan. Check with your plan sponsor to see what catch-up contributions are available to you. ### 401(k) contribution limits for 2026 The 401(k) contribution limit for 2026 is \$24,500 for employee salary deferrals, and \$72,000 for the combined employee and employer contributions. If you're age 50 or older, you're eligible for a catch-up contribution and can contribute up to an additional \$8,000 in 2026. However, if you're between ages 60 and 63 and your plan allows, you can contribute up to \$11,250 as a "super" catch-up contribution in lieu of the standard \$8,000. This means if you're age 50 or older you'll be able to contribute up to \$32,500 in 2026, and if you're between 60 and 63 and your plan allows, you'll be able to contribute up to \$35,750 in 2026. Depending on your plan, you may be able to make post-tax contributions beyond the pretax and Roth contribution limit but less than the combined employee and employer contribution limit to invest even more for retirement. Total contributions cannot exceed your annual eligible compensation at the company that sponsors your plan. Check with your plan sponsor to see what catch-up contributions are available to you. ### Roth 401(k) contribution limits The [Roth 401(k) contribution limits](https://www.fidelity.com/learning-center/smart-money/roth-401k-contribution-limits) for 2025 and 2026 are the same as those for traditional 401(k) plans. If you have access to a Roth 401(k) and a traditional 401(k), you can contribute up to the annual maximum across both. In other words, if you're under 50, you can't put more than \$24,500 total as employee contributions in your 401(k) accounts in 2026, no matter how many accounts you have. ### 401(k) contribution limits \| \| Pretax and Roth employee contributions \| Employee + employer contributions \| Catch-up contributions (in addition to the employee and employer limit) \| \|---\|---\|---\|---\| \| 401(k) contribution limit for 2025 \| \$23,500 \| \$70,000 \| \$7,500 (50-59 or 64+), \$11,250 (60-63, if your plan allows) \| \| 401(k) contribution limit for 2026 \| \$24,500 \| \$72,000 \| \$8,000 (50-59 or 64+), \$11,250 (60-63, if your plan allows) \| Source: IRS ### 401(k) contribution limits when you have multiple 401(k) plans at different employers If you have access to multiple 401(k) plans through different employers, you are still limited to the total employee contribution amount for the year. For instance, if you have 2 401(k) plans in 2026, you may choose to split your maximum contribution of \$24,500 between the plans. Note: These limits do not affect the amount you can put into an individual retirement account (IRA) each year. You can save the legally allowable maximum in both a 401(k) and an IRA. ### After-tax 401(k) contribution limits If you reach the maximum that you can contribute to your 401(k), you may be able to save more for retirement in your workplace plan through [after-tax contributions](https://www.fidelity.com/viewpoints/retirement/401k-contributions). That means that while your after-tax contributions have the potential to benefit from investment growth while they're in your 401(k) account, you only pay taxes on the growth when you withdraw funds in retirement. Depending on your plan, you may be able to contribute up to the total employee and employer contribution limit for the year, provided your existing employee and employer contributions do not exceed the limit. For example, if you're under 50 and contributing \$24,500 and your employer is contributing \$20,000 in 2026, you could contribute up to an additional \$27,500 as after-tax contributions to bring your total to \$72,000. Keep in mind that not all 401(k) plans allow for these after-tax contributions. If yours doesn't—or you simply want to save even more than after-tax contributions alone allow—there are other strategies to consider, like an [IRA](https://www.fidelity.com/building-savings/learn-about-iras/what-is-an-ira). ### What happens if you contribute too much to your 401(k)? If you defer more than your 401(k) plan allows, your excess deferrals will be treated as income in the year they are made and taxed a second time upon distribution. Excess deferrals and earnings can be reported on Form 1099-R when you file taxes. Luckily, most 401(k) plans have infrastructure in place to prevent overcontributions. But if you switch jobs midyear or have access to multiple plans, you may accidentally wind up saving too much in your 401(k). If this happens, you must request that any excess contributions be returned to you by April 15, including any earnings it made while it was in your 401(k) to avoid double taxation. ### How much should you contribute to your 401(k)? It can be hard to figure out [how much to save in your 401(k)](https://www.fidelity.com/viewpoints/retirement/how-much-money-should-I-save). How are you supposed to know how much money you'll want or need in retirement? Our guideline is to aim to save at least 15% of your income each year (including any employer contributions) for retirement. That includes any savings in other retirement accounts, like a Roth IRA. ### How to maximize your 401(k) contributions To get the most out of your 401(k), make sure you're: 1. Contributing as early as you can Starting to save as soon as you can is one of the keys to a successful retirement. That's because the longer your money is invested, the longer it has to benefit from compound returns—in other words, when your investment returns earn returns of their own. 2. Taking full advantage of any 401(k) match A 401(k) match is a special benefit your company puts into your 401(k) based on what you contribute. The formula used to determine 401(k) matches varies by company. Often, this match is 50 cents or \$1 for each dollar you contribute. There is also often a cap on the amount your employer will match, such as 6% of your total pay. It's a good idea to contribute at least enough to get your full 401(k) match. Each dollar your company contributes is one that you don't have to. 3. Working toward saving 15% for retirement That 15% can seem like a huge amount to save for retirement, particularly when you're just starting out. But remember that 15% also includes any percentage that your employer matches, and you're able to start small and work your way up to contribute more. That might mean opting to increase your 401(k) contribution rate by 1% each year or whenever you get a raise. And if you get a bonus or another unexpected windfall, consider setting aside at least a portion of it for your retirement savings. 4. Keeping track of your 401(k)s It may be surprising, but it's not uncommon for people to forget about 401(k) plans from previous jobs. Audit your résumé and see if you have any retirement accounts collecting dust. Keeping track of these can help you get the most out of the money you've already saved. If you do find money you'd forgotten about in an old plan, [learn more about your options](https://www.fidelity.com/viewpoints/retirement/what-to-do-with-an-old-401k). Check out your workplace benefits For easy access to your workplace benefits with Fidelity, log in to NetBenefits®. More to explore
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