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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 93 (from laksa113)

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/roth-401k-contribution-limits\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.fidelity.com/learning-center/smart-money/roth-401k-contribution-limits\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.fidelity.com\/learning-center\/smart-money\/roth-401k-contribution-limits","crawl_time":1775428071,"first_indexed_time":1702288721,"http_code":200,"src_unparsed":"com,fidelity!www,\/learning-center\/smart-money\/roth-401k-contribution-limits s443","src_root_hash":"17952695050214760493","history_drop_reason":null,"meta_title":"Roth 401(k) contribution limits for 2025 and 2026 | Fidelity","meta_descriptions":["A Roth 401(k) can be a powerful way to save for retirement, but you have to follow the rules set by the IRS. Here are the Roth 401(k) contribution limits for 2025 and 2026."],"attrs_boilerpipe_text":"Learn the max you can save in your Roth 401(k).\nKey takeaways\nEach year, the IRS determines the maximum that you and your employer can contribute to your Roth 401(k).\nFor 2025, the Roth 401(k) contribution limit is $23,500. For 2026, the Roth 401(k) contribution limit is $24,500. \nIf you are 50 or older, you can save $7,500 more in your Roth 401(k) as a \"catch-up contribution\" for 2025 and $8,000 for 2026. \nIf you are age 60 to 63, the \"catch-up contribution\" expands to $11,250 in 2025 and 2026 in lieu of the standard $7,500, only if your plan allows. \nRoth 401(k)s let you invest dollars you've already paid taxes on for retirement. You can then withdraw your contributions—plus any investment growth—tax-free once you've turned 59½ and at least 5 years have passed since you made the first contribution to your Roth account. These tax advantages can make Roth 401(k)s an appealing way to save for the future. But as with other retirement accounts, there are important contribution limits to keep in mind.\nIt's important to note that your total contributions cannot be more than your annual eligible compensation at the company that sponsors your 401(k) plan. If your firm has both traditional 401(k) and Roth 401(k) contribution options, or if you have access to other Roth 401(k)s or traditional 401(k)s from another company, your combined contributions across all these will be limited to the annual employee contribution limit.\nRoth 401(k) contribution limits 2025\nThe Roth 401(k) contribution limit for 2025 is $23,500 for employee contributions and $70,000 for employee and employer contributions combined. There's also a $7,500 catch-up contribution for those age 50 to 59 and 64 or older, which raises the employee limit to $31,000 for those eligible.\nIn 2025, those between ages 60 and 63 are eligible to contribute up to $11,250 as a \"super\" catch-up contribution, if your plan allows. So in 2025, those 60 to 63 can contribute up to $34,750 in 2025, depending on your plan. Check with your plan sponsor to find out if this larger catch-up is available to you.\nRoth 401(k) contribution limits 2026\nThe Roth 401(k) contribution limit for 2026 is $24,500 for employee contributions and $72,000 for employee and employer contributions combined. There's also a $8,000 catch-up contribution for those age 50 to 59 and 64 or older, which raises the employee limit to $32,500 for those eligible.\nIn 2026, those between ages 60 and 63 will be eligible to contribute up to $11,250 as a \"super\" catch-up contribution, if your plan allows. So in 2026, those 60 to 63 can contribute up to $35,750 in 2026, depending on your plan. Check with your plan sponsor to find out if this larger catch-up is available to you.\nStarting in 2026, if those with prior year wage income of $150,000 or more want to make catch-up contributions, they are required to make them to a Roth balance. If the plan does not have a Roth option, such individuals can't make catch-up contributions.\nRoth 401(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\nRoth 401(k) income limits\nUnlike\nRoth IRAs\n, Roth 401(k)s don't have any income limits. Regardless of how much you earn, you can contribute to a Roth 401(k) if your employer offers one.\nWhat happens if you contribute too much to your Roth 401(k)?\nContributing more than your allowable amount to a Roth 401(k) may trigger additional income tax liabilities if the excess deferral amount and investment earnings are not distributed by April 15 following the close of the calendar year during which the excess deferral was made. If you wait to withdraw excess contributions after April 15 or after you file your taxes for that contribution year, you may be subject to double taxation—once for the year you contributed and a second time when the deferrals and attributable earnings are ultimately distributed from the plan.\n401(k) plans typically have guardrails in place to keep you from contributing more than you're supposed to. But double-check your contribution amounts to make sure you won't exceed the limit, especially if you recently changed jobs or have multiple 401(k) plans. If you accidentally contributed too much to your Roth 401(k), it's a smart idea to reach out to a tax professional for guidance on how to best remove those excess contributions.\nHow to maximize your Roth 401(k) contributions\nContributing to your Roth 401(k) is just the first step to building your retirement savings. Consider these tips to potentially amplify the impact of those Roth 401(k) savings.\n1. Prioritize any matching\nMany employers encourage you to save for retirement by contributing a percentage of what you save in your 401(k) each year through what's called a 401(k) employer match. This usually means they contribute $0.50 or $1 for each $1 you do, up to a certain percent of your salary.\nIf your employer offers a 401(k) match, aim to contribute at least enough to your 401(k) to earn the full amount. This is like free money that could help to bolster your retirement savings over time.\n2. Contribute early and often\nOne of the keys to a successful retirement is saving as early as you can. The longer your money is invested, the more time you have to potentially benefit from compounding, a snowball-type effect where your investment returns begin to earn investment returns.\nStarting to save for retirement early could be especially beneficial to those with Roth accounts. Because people's earnings (and tax rates) may rise as they age, younger workers in particular may prefer Roth accounts to allow for long-term, tax-free growth.\n3. Always remember your Roth 401(k) when changing jobs\nThere's a lot to juggle when changing jobs, but try not to forget about your retirement accounts. If you settle in with a new employer, make sure to decide on a plan for \nwhat to do with your old 401(k)\n.","attrs_markdown":"[Skip to main content](https:\/\/www.fidelity.com\/learning-center\/smart-money\/roth-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  - [Transfers](https:\/\/www.fidelity.com\/customer-service\/money-movement)\n  - 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[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***\nRoth 401(k) contribution limits for 2025 and 2026 \\| Fidelity\n\nClicking a link will open a new window.\n\n- [Facebook](https:\/\/www.fidelity.com\/learning-center\/smart-money\/roth-401k-contribution-limits#facebook)\n- [Twitter](https:\/\/www.fidelity.com\/learning-center\/smart-money\/roth-401k-contribution-limits#twitter)\n- [LinkedIn](https:\/\/www.fidelity.com\/learning-center\/smart-money\/roth-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\/roth-401k-contribution-limits#print)\n\n# Roth 401(k) contribution limits for 2025 and 2026\nLearn the max you can save in your Roth 401(k).\n\nFidelity Learn\n\n![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/learning-center\/heros\/roth-401k-contribution-limits-23-24_353844868_banner.png)\n\n### Key takeaways\n- Each year, the IRS determines the maximum that you and your employer can contribute to your Roth 401(k).\n- For 2025, the Roth 401(k) contribution limit is \\$23,500. For 2026, the Roth 401(k) contribution limit is \\$24,500.\n- If you are 50 or older, you can save \\$7,500 more in your Roth 401(k) as a \"catch-up contribution\" for 2025 and \\$8,000 for 2026.\n- If you are age 60 to 63, the \"catch-up contribution\" expands to \\$11,250 in 2025 and 2026 in lieu of the standard \\$7,500, only if your plan allows.\n\nRoth 401(k)s let you invest dollars you've already paid taxes on for retirement. You can then withdraw your contributions—plus any investment growth—tax-free once you've turned 59½ and at least 5 years have passed since you made the first contribution to your Roth account. These tax advantages can make Roth 401(k)s an appealing way to save for the future. But as with other retirement accounts, there are important contribution limits to keep in mind.\n\nIt's important to note that your total contributions cannot be more than your annual eligible compensation at the company that sponsors your 401(k) plan. If your firm has both traditional 401(k) and Roth 401(k) contribution options, or if you have access to other Roth 401(k)s or traditional 401(k)s from another company, your combined contributions across all these will be limited to the annual employee contribution limit.\n\n### Roth 401(k) contribution limits 2025\nThe Roth 401(k) contribution limit for 2025 is \\$23,500 for employee contributions and \\$70,000 for employee and employer contributions combined. There's also a \\$7,500 catch-up contribution for those age 50 to 59 and 64 or older, which raises the employee limit to \\$31,000 for those eligible.\n\nIn 2025, those between ages 60 and 63 are eligible to contribute up to \\$11,250 as a \"super\" catch-up contribution, if your plan allows. So in 2025, those 60 to 63 can contribute up to \\$34,750 in 2025, depending on your plan. Check with your plan sponsor to find out if this larger catch-up is available to you.\n\n### Roth 401(k) contribution limits 2026\nThe Roth 401(k) contribution limit for 2026 is \\$24,500 for employee contributions and \\$72,000 for employee and employer contributions combined. There's also a \\$8,000 catch-up contribution for those age 50 to 59 and 64 or older, which raises the employee limit to \\$32,500 for those eligible.\n\nIn 2026, those between ages 60 and 63 will be eligible to contribute up to \\$11,250 as a \"super\" catch-up contribution, if your plan allows. So in 2026, those 60 to 63 can contribute up to \\$35,750 in 2026, depending on your plan. Check with your plan sponsor to find out if this larger catch-up is available to you.\n\nStarting in 2026, if those with prior year wage income of \\$150,000 or more want to make catch-up contributions, they are required to make them to a Roth balance. If the plan does not have a Roth option, such individuals can't make catch-up contributions.\n\n### Roth 401(k) contribution limits\n|   |   |   |   |\n|---|---|---|---|\n|   | Pretax and Roth employee contributions | Employee + employer contributions | Catch-up contributions (in addition to the employee and employer limit) |\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### Roth 401(k) income limits\nUnlike [Roth IRAs](https:\/\/www.fidelity.com\/learning-center\/smart-money\/roth-ira-contribution-limits \"Roth IRAs\"), Roth 401(k)s don't have any income limits. Regardless of how much you earn, you can contribute to a Roth 401(k) if your employer offers one.\n\n### What happens if you contribute too much to your Roth 401(k)?\nContributing more than your allowable amount to a Roth 401(k) may trigger additional income tax liabilities if the excess deferral amount and investment earnings are not distributed by April 15 following the close of the calendar year during which the excess deferral was made. If you wait to withdraw excess contributions after April 15 or after you file your taxes for that contribution year, you may be subject to double taxation—once for the year you contributed and a second time when the deferrals and attributable earnings are ultimately distributed from the plan.\n\n401(k) plans typically have guardrails in place to keep you from contributing more than you're supposed to. But double-check your contribution amounts to make sure you won't exceed the limit, especially if you recently changed jobs or have multiple 401(k) plans. If you accidentally contributed too much to your Roth 401(k), it's a smart idea to reach out to a tax professional for guidance on how to best remove those excess contributions.\n\n### How to maximize your Roth 401(k) contributions\nContributing to your Roth 401(k) is just the first step to building your retirement savings. Consider these tips to potentially amplify the impact of those Roth 401(k) savings.\n\n**1\\. Prioritize any matching**\n\nMany employers encourage you to save for retirement by contributing a percentage of what you save in your 401(k) each year through what's called a 401(k) employer match. This usually means they contribute \\$0.50 or \\$1 for each \\$1 you do, up to a certain percent of your salary.\n\nIf your employer offers a 401(k) match, aim to contribute at least enough to your 401(k) to earn the full amount. This is like free money that could help to bolster your retirement savings over time.\n\n**2\\. Contribute early and often**\n\nOne of the keys to a successful retirement is saving as early as you can. The longer your money is invested, the more time you have to potentially benefit from compounding, a snowball-type effect where your investment returns begin to earn investment returns.\n\nStarting to save for retirement early could be especially beneficial to those with Roth accounts. Because people's earnings (and tax rates) may rise as they age, younger workers in particular may prefer Roth accounts to allow for long-term, tax-free growth.\n\n**3\\. Always remember your Roth 401(k) when changing jobs**\n\nThere's a lot to juggle when changing jobs, but try not to forget about your retirement accounts. If you settle in with a new employer, make sure to decide on a plan for [what to do with your old 401(k)](https:\/\/www.fidelity.com\/learning-center\/smart-money\/what-happens-to-your-401k-when-you-leave-a-job \"what to do with your old 401(k)\").\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### [Consider an IRA](https:\/\/www.fidelity.com\/retirement-ira\/overview)\nTake advantage of potential tax-deferred or tax-free growth.\n\n### [Retirement rules of the road](https:\/\/www.fidelity.com\/viewpoints\/retirement\/retirement-roadmap)\n4 easy guidelines to help you reach your retirement goals.\n\n## Subscribe to  *Fidelity Smart Money℠*\nWhat the news means for your money, plus tips to help you spend, save, and invest.\n\n### Looking for more ideas and insights?\nWe'll deliver them right to your inbox.\n\nManage subscriptions\n\n### Thanks for subscribing\\!\nCheck out your Favorites page, where you can:\n\n- Tell us the topics you want to learn more about\n- View content you've saved for later\n- Subscribe to our newsletters\n\n[Go to Favorites](https:\/\/www.fidelity.com\/learning-center\/favorites)\n\n### We're on our way, but not quite there yet\nGood news, you're on the early-access list.   \n But we're not available in your state just yet. 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bPJL+pkG7w4iF1IiZLyXhfbQ7pml9e3604pRtnPccfbDeIDF0v6ba\/uJ4NBrnVJRu9y\/BnOlMoqjVPDpsP3c7dAzw4SR1mWv8zQEYrcClV137yHSITjs3bAQfYYQRRhhhhBFGGAH8D9DXSGd7oPh2AAAAAElFTkSuQmCC)\n\nWelcome 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AMDeP2uJX1rbc1PAMmJH6Pekzn70x\/bWI5vav\/\/bO+0hAT+ntcP8P8IOrGXbdHt4cao9BL8tNnDYQU66wQ4LTrUbPJL+pkG7w4iF1IiZLyXhfbQ7pml9e3604pRtnPccfbDeIDF0v6ba\/uJ4NBrnVJRu9y\/BnOlMoqjVPDpsP3c7dAzw4SR1mWv8zQEYrcClV137yHSITjs3bAQfYYQRRhhhhBFGGAH8D9DXSGd7oPh2AAAAAElFTkSuQmCC)\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- How can I transfer my 401k to my existing Roth IRA without exceeding the annual contribution limit?\n- What are Roth IRA contribution limits?\n- Can you own multiple investments in a Roth IRA as long as contributions are within the annual limit?\n\nProvide Feedback\n\nanswers will appear above the text input\n\nSubmit message","attrs_readable_markdown":"Learn the max you can save in your Roth 401(k).\n\n![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/learning-center\/heros\/roth-401k-contribution-limits-23-24_353844868_banner.png)\n\n### Key takeaways\n- Each year, the IRS determines the maximum that you and your employer can contribute to your Roth 401(k).\n- For 2025, the Roth 401(k) contribution limit is \\$23,500. For 2026, the Roth 401(k) contribution limit is \\$24,500.\n- If you are 50 or older, you can save \\$7,500 more in your Roth 401(k) as a \"catch-up contribution\" for 2025 and \\$8,000 for 2026.\n- If you are age 60 to 63, the \"catch-up contribution\" expands to \\$11,250 in 2025 and 2026 in lieu of the standard \\$7,500, only if your plan allows.\n\nRoth 401(k)s let you invest dollars you've already paid taxes on for retirement. You can then withdraw your contributions—plus any investment growth—tax-free once you've turned 59½ and at least 5 years have passed since you made the first contribution to your Roth account. These tax advantages can make Roth 401(k)s an appealing way to save for the future. But as with other retirement accounts, there are important contribution limits to keep in mind.\n\nIt's important to note that your total contributions cannot be more than your annual eligible compensation at the company that sponsors your 401(k) plan. If your firm has both traditional 401(k) and Roth 401(k) contribution options, or if you have access to other Roth 401(k)s or traditional 401(k)s from another company, your combined contributions across all these will be limited to the annual employee contribution limit.\n\n### Roth 401(k) contribution limits 2025\nThe Roth 401(k) contribution limit for 2025 is \\$23,500 for employee contributions and \\$70,000 for employee and employer contributions combined. There's also a \\$7,500 catch-up contribution for those age 50 to 59 and 64 or older, which raises the employee limit to \\$31,000 for those eligible.\n\nIn 2025, those between ages 60 and 63 are eligible to contribute up to \\$11,250 as a \"super\" catch-up contribution, if your plan allows. So in 2025, those 60 to 63 can contribute up to \\$34,750 in 2025, depending on your plan. Check with your plan sponsor to find out if this larger catch-up is available to you.\n\n### Roth 401(k) contribution limits 2026\nThe Roth 401(k) contribution limit for 2026 is \\$24,500 for employee contributions and \\$72,000 for employee and employer contributions combined. There's also a \\$8,000 catch-up contribution for those age 50 to 59 and 64 or older, which raises the employee limit to \\$32,500 for those eligible.\n\nIn 2026, those between ages 60 and 63 will be eligible to contribute up to \\$11,250 as a \"super\" catch-up contribution, if your plan allows. So in 2026, those 60 to 63 can contribute up to \\$35,750 in 2026, depending on your plan. Check with your plan sponsor to find out if this larger catch-up is available to you.\n\nStarting in 2026, if those with prior year wage income of \\$150,000 or more want to make catch-up contributions, they are required to make them to a Roth balance. If the plan does not have a Roth option, such individuals can't make catch-up contributions.\n\n### Roth 401(k) contribution limits\n|   |   |   |   |\n|---|---|---|---|\n|   | Pretax and Roth employee contributions | Employee + employer contributions | Catch-up contributions (in addition to the employee and employer limit) |\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### Roth 401(k) income limits\nUnlike [Roth IRAs](https:\/\/www.fidelity.com\/learning-center\/smart-money\/roth-ira-contribution-limits \"Roth IRAs\"), Roth 401(k)s don't have any income limits. Regardless of how much you earn, you can contribute to a Roth 401(k) if your employer offers one.\n\n### What happens if you contribute too much to your Roth 401(k)?\nContributing more than your allowable amount to a Roth 401(k) may trigger additional income tax liabilities if the excess deferral amount and investment earnings are not distributed by April 15 following the close of the calendar year during which the excess deferral was made. If you wait to withdraw excess contributions after April 15 or after you file your taxes for that contribution year, you may be subject to double taxation—once for the year you contributed and a second time when the deferrals and attributable earnings are ultimately distributed from the plan.\n\n401(k) plans typically have guardrails in place to keep you from contributing more than you're supposed to. But double-check your contribution amounts to make sure you won't exceed the limit, especially if you recently changed jobs or have multiple 401(k) plans. If you accidentally contributed too much to your Roth 401(k), it's a smart idea to reach out to a tax professional for guidance on how to best remove those excess contributions.\n\n### How to maximize your Roth 401(k) contributions\nContributing to your Roth 401(k) is just the first step to building your retirement savings. Consider these tips to potentially amplify the impact of those Roth 401(k) savings.\n\n**1\\. Prioritize any matching**\n\nMany employers encourage you to save for retirement by contributing a percentage of what you save in your 401(k) each year through what's called a 401(k) employer match. This usually means they contribute \\$0.50 or \\$1 for each \\$1 you do, up to a certain percent of your salary.\n\nIf your employer offers a 401(k) match, aim to contribute at least enough to your 401(k) to earn the full amount. This is like free money that could help to bolster your retirement savings over time.\n\n**2\\. Contribute early and often**\n\nOne of the keys to a successful retirement is saving as early as you can. The longer your money is invested, the more time you have to potentially benefit from compounding, a snowball-type effect where your investment returns begin to earn investment returns.\n\nStarting to save for retirement early could be especially beneficial to those with Roth accounts. Because people's earnings (and tax rates) may rise as they age, younger workers in particular may prefer Roth accounts to allow for long-term, tax-free growth.\n\n**3\\. Always remember your Roth 401(k) when changing jobs**\n\nThere's a lot to juggle when changing jobs, but try not to forget about your retirement accounts. If you settle in with a new employer, make sure to decide on a plan for [what to do with your old 401(k)](https:\/\/www.fidelity.com\/learning-center\/smart-money\/what-happens-to-your-401k-when-you-leave-a-job \"what to do with your old 401(k)\").","meta_canonical":null}

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URL	https://www.fidelity.com/learning-center/smart-money/roth-401k-contribution-limits
Last Crawled	2026-04-05 22:27:51 (8 days ago)
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Meta Title	Roth 401(k) contribution limits for 2025 and 2026 \| Fidelity
Meta Description	A Roth 401(k) can be a powerful way to save for retirement, but you have to follow the rules set by the IRS. Here are the Roth 401(k) contribution limits for 2025 and 2026.
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Boilerpipe Text	Learn the max you can save in your Roth 401(k). Key takeaways Each year, the IRS determines the maximum that you and your employer can contribute to your Roth 401(k). For 2025, the Roth 401(k) contribution limit is $23,500. For 2026, the Roth 401(k) contribution limit is $24,500. If you are 50 or older, you can save $7,500 more in your Roth 401(k) as a "catch-up contribution" for 2025 and $8,000 for 2026. If you are age 60 to 63, the "catch-up contribution" expands to $11,250 in 2025 and 2026 in lieu of the standard $7,500, only if your plan allows. Roth 401(k)s let you invest dollars you've already paid taxes on for retirement. You can then withdraw your contributions—plus any investment growth—tax-free once you've turned 59½ and at least 5 years have passed since you made the first contribution to your Roth account. These tax advantages can make Roth 401(k)s an appealing way to save for the future. But as with other retirement accounts, there are important contribution limits to keep in mind. It's important to note that your total contributions cannot be more than your annual eligible compensation at the company that sponsors your 401(k) plan. If your firm has both traditional 401(k) and Roth 401(k) contribution options, or if you have access to other Roth 401(k)s or traditional 401(k)s from another company, your combined contributions across all these will be limited to the annual employee contribution limit. Roth 401(k) contribution limits 2025 The Roth 401(k) contribution limit for 2025 is $23,500 for employee contributions and $70,000 for employee and employer contributions combined. There's also a $7,500 catch-up contribution for those age 50 to 59 and 64 or older, which raises the employee limit to $31,000 for those eligible. In 2025, those between ages 60 and 63 are eligible to contribute up to $11,250 as a "super" catch-up contribution, if your plan allows. So in 2025, those 60 to 63 can contribute up to $34,750 in 2025, depending on your plan. Check with your plan sponsor to find out if this larger catch-up is available to you. Roth 401(k) contribution limits 2026 The Roth 401(k) contribution limit for 2026 is $24,500 for employee contributions and $72,000 for employee and employer contributions combined. There's also a $8,000 catch-up contribution for those age 50 to 59 and 64 or older, which raises the employee limit to $32,500 for those eligible. In 2026, those between ages 60 and 63 will be eligible to contribute up to $11,250 as a "super" catch-up contribution, if your plan allows. So in 2026, those 60 to 63 can contribute up to $35,750 in 2026, depending on your plan. Check with your plan sponsor to find out if this larger catch-up is available to you. Starting in 2026, if those with prior year wage income of $150,000 or more want to make catch-up contributions, they are required to make them to a Roth balance. If the plan does not have a Roth option, such individuals can't make catch-up contributions. Roth 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 Roth 401(k) income limits Unlike Roth IRAs , Roth 401(k)s don't have any income limits. Regardless of how much you earn, you can contribute to a Roth 401(k) if your employer offers one. What happens if you contribute too much to your Roth 401(k)? Contributing more than your allowable amount to a Roth 401(k) may trigger additional income tax liabilities if the excess deferral amount and investment earnings are not distributed by April 15 following the close of the calendar year during which the excess deferral was made. If you wait to withdraw excess contributions after April 15 or after you file your taxes for that contribution year, you may be subject to double taxation—once for the year you contributed and a second time when the deferrals and attributable earnings are ultimately distributed from the plan. 401(k) plans typically have guardrails in place to keep you from contributing more than you're supposed to. But double-check your contribution amounts to make sure you won't exceed the limit, especially if you recently changed jobs or have multiple 401(k) plans. If you accidentally contributed too much to your Roth 401(k), it's a smart idea to reach out to a tax professional for guidance on how to best remove those excess contributions. How to maximize your Roth 401(k) contributions Contributing to your Roth 401(k) is just the first step to building your retirement savings. Consider these tips to potentially amplify the impact of those Roth 401(k) savings. 1. Prioritize any matching Many employers encourage you to save for retirement by contributing a percentage of what you save in your 401(k) each year through what's called a 401(k) employer match. This usually means they contribute $0.50 or $1 for each $1 you do, up to a certain percent of your salary. If your employer offers a 401(k) match, aim to contribute at least enough to your 401(k) to earn the full amount. This is like free money that could help to bolster your retirement savings over time. 2. Contribute early and often One of the keys to a successful retirement is saving as early as you can. The longer your money is invested, the more time you have to potentially benefit from compounding, a snowball-type effect where your investment returns begin to earn investment returns. Starting to save for retirement early could be especially beneficial to those with Roth accounts. Because people's earnings (and tax rates) may rise as they age, younger workers in particular may prefer Roth accounts to allow for long-term, tax-free growth. 3. Always remember your Roth 401(k) when changing jobs There's a lot to juggle when changing jobs, but try not to forget about your retirement accounts. If you settle in with a new employer, make sure to decide on a plan for what to do with your old 401(k) .
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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 * Roth 401(k) contribution limits for 2025 and 2026 \\| Fidelity Clicking a link will open a new window. - [Facebook](https://www.fidelity.com/learning-center/smart-money/roth-401k-contribution-limits#facebook) - [Twitter](https://www.fidelity.com/learning-center/smart-money/roth-401k-contribution-limits#twitter) - [LinkedIn](https://www.fidelity.com/learning-center/smart-money/roth-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/roth-401k-contribution-limits#print) # Roth 401(k) contribution limits for 2025 and 2026 Learn the max you can save in your Roth 401(k). Fidelity Learn ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/learning-center/heros/roth-401k-contribution-limits-23-24_353844868_banner.png) ### Key takeaways - Each year, the IRS determines the maximum that you and your employer can contribute to your Roth 401(k). - For 2025, the Roth 401(k) contribution limit is \$23,500. For 2026, the Roth 401(k) contribution limit is \$24,500. - If you are 50 or older, you can save \$7,500 more in your Roth 401(k) as a "catch-up contribution" for 2025 and \$8,000 for 2026. - If you are age 60 to 63, the "catch-up contribution" expands to \$11,250 in 2025 and 2026 in lieu of the standard \$7,500, only if your plan allows. Roth 401(k)s let you invest dollars you've already paid taxes on for retirement. You can then withdraw your contributions—plus any investment growth—tax-free once you've turned 59½ and at least 5 years have passed since you made the first contribution to your Roth account. These tax advantages can make Roth 401(k)s an appealing way to save for the future. But as with other retirement accounts, there are important contribution limits to keep in mind. It's important to note that your total contributions cannot be more than your annual eligible compensation at the company that sponsors your 401(k) plan. If your firm has both traditional 401(k) and Roth 401(k) contribution options, or if you have access to other Roth 401(k)s or traditional 401(k)s from another company, your combined contributions across all these will be limited to the annual employee contribution limit. ### Roth 401(k) contribution limits 2025 The Roth 401(k) contribution limit for 2025 is \$23,500 for employee contributions and \$70,000 for employee and employer contributions combined. There's also a \$7,500 catch-up contribution for those age 50 to 59 and 64 or older, which raises the employee limit to \$31,000 for those eligible. In 2025, those between ages 60 and 63 are eligible to contribute up to \$11,250 as a "super" catch-up contribution, if your plan allows. So in 2025, those 60 to 63 can contribute up to \$34,750 in 2025, depending on your plan. Check with your plan sponsor to find out if this larger catch-up is available to you. ### Roth 401(k) contribution limits 2026 The Roth 401(k) contribution limit for 2026 is \$24,500 for employee contributions and \$72,000 for employee and employer contributions combined. There's also a \$8,000 catch-up contribution for those age 50 to 59 and 64 or older, which raises the employee limit to \$32,500 for those eligible. In 2026, those between ages 60 and 63 will be eligible to contribute up to \$11,250 as a "super" catch-up contribution, if your plan allows. So in 2026, those 60 to 63 can contribute up to \$35,750 in 2026, depending on your plan. Check with your plan sponsor to find out if this larger catch-up is available to you. Starting in 2026, if those with prior year wage income of \$150,000 or more want to make catch-up contributions, they are required to make them to a Roth balance. If the plan does not have a Roth option, such individuals can't make catch-up contributions. ### Roth 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 ### Roth 401(k) income limits Unlike [Roth IRAs](https://www.fidelity.com/learning-center/smart-money/roth-ira-contribution-limits "Roth IRAs"), Roth 401(k)s don't have any income limits. Regardless of how much you earn, you can contribute to a Roth 401(k) if your employer offers one. ### What happens if you contribute too much to your Roth 401(k)? Contributing more than your allowable amount to a Roth 401(k) may trigger additional income tax liabilities if the excess deferral amount and investment earnings are not distributed by April 15 following the close of the calendar year during which the excess deferral was made. If you wait to withdraw excess contributions after April 15 or after you file your taxes for that contribution year, you may be subject to double taxation—once for the year you contributed and a second time when the deferrals and attributable earnings are ultimately distributed from the plan. 401(k) plans typically have guardrails in place to keep you from contributing more than you're supposed to. But double-check your contribution amounts to make sure you won't exceed the limit, especially if you recently changed jobs or have multiple 401(k) plans. If you accidentally contributed too much to your Roth 401(k), it's a smart idea to reach out to a tax professional for guidance on how to best remove those excess contributions. ### How to maximize your Roth 401(k) contributions Contributing to your Roth 401(k) is just the first step to building your retirement savings. Consider these tips to potentially amplify the impact of those Roth 401(k) savings. 1\. Prioritize any matching Many employers encourage you to save for retirement by contributing a percentage of what you save in your 401(k) each year through what's called a 401(k) employer match. This usually means they contribute \$0.50 or \$1 for each \$1 you do, up to a certain percent of your salary. If your employer offers a 401(k) match, aim to contribute at least enough to your 401(k) to earn the full amount. This is like free money that could help to bolster your retirement savings over time. 2\. Contribute early and often One of the keys to a successful retirement is saving as early as you can. The longer your money is invested, the more time you have to potentially benefit from compounding, a snowball-type effect where your investment returns begin to earn investment returns. Starting to save for retirement early could be especially beneficial to those with Roth accounts. Because people's earnings (and tax rates) may rise as they age, younger workers in particular may prefer Roth accounts to allow for long-term, tax-free growth. 3\. Always remember your Roth 401(k) when changing jobs There's a lot to juggle when changing jobs, but try not to forget about your retirement accounts. If you settle in with a new employer, make sure to decide on a plan for [what to do with your old 401(k)](https://www.fidelity.com/learning-center/smart-money/what-happens-to-your-401k-when-you-leave-a-job "what to do with your old 401(k)"). ## 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 ### [Consider an IRA](https://www.fidelity.com/retirement-ira/overview) Take advantage of potential tax-deferred or tax-free growth. ### [Retirement rules of the road](https://www.fidelity.com/viewpoints/retirement/retirement-roadmap) 4 easy guidelines to help you reach your retirement goals. ## 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. 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zw4SR1mWv8zQEYrcClV137yHSITjs3bAQfYYQRRhhhhBFGGAH8D9DXSGd7oPh2AAAAAElFTkSuQmCC) 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[Important information](https://www.fidelity.com/learning-center/smart-money/roth-401k-contribution-limits) ![](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAGAAAABhCAYAAAApxKSdAAAACXBIWXMAACxLAAAsSwGlPZapAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAA5iSURBVHgB7Z1frFTFHcfnNk3wgUvtS6vY2O2DN5rUimJ9MnINPHlJxPJQY6qgwaQEk0ITmmDSAiWRRB/QBEMTSblgY/EBL03BJwgX05cWaWlrYgMPvTblT30RgSb6tJ3P2fmtv52dc87MOWfvXep+k8ne3XvOnpnf//nNb2aNGWGEEUYYYYQRRhhhhBFGGGGELxPGzE2Gdrt9q33RTTBn29WxsbGr5ibC0DLAEXrSthW2tWxb5l5jcM42GHHa/X3OMmbODCGGigGW6JP25XHb1ph4YscCRsza9jvLjFkzQgdIum3bbfukPX/4p217bGuZBcaCaYCT9u2mY2aicfnTiz2vgsW3LDHji8bN7V+7wyRi2radC2Wi5p0BlvDY8j2mhPDXP7tmLnz8D3Petj//60/m/H8+7CN6Hu76xj1m6a132Ne7zfI7H8pexy2DSjBtFoAR88YA51SR+M1510D04x8cNafPn8iIz3sBBNTvU/GAZcTUvU9kDCnRkmkzj4yYFwY4c3PA5DhWJPyNP+zNXvOwYmJVxpgUTFhNOP/xh8HvevLBZzKm5GDOdJgwbQaMr5oBokzqYwgvgFgpDEDKF98yHvwf30Pjmg0Pv2BWW83w0LLtgO3/fZYJW8wA8RUzILgI45QJEB+Cb3zrmazFEB/cvmRpjB3vAobd+Ox64TX4lF3Ht5k1+1ZmviaAzS5iapkBYSAMcI4W4i/Tn2PD95x4KYnw3Xs/v54501gg1SHzEwKMePrXa8wvLTMCjr5l2yk3psbROANsR9eZDvFb+nMI/vSBJ8zh9w+Zqiiw2T1AUyqEo+b432cy4QiYupbpMGGNaRiNMsARf9r05mgyO8/ARLpiCanBvcsj73vkrpXRIWvoOT9754Wszx4Y04wbY2NojAFOOqb1Z5gc1Hq/NxhCTKKQFPBdMC7GD6ywDEgNWdEYLRj0GUYEvmfaRXWNoBEGOCd1QH9Gxze+tS5Tax/8j5lriibc+LzjUGP8AN+b41RzsWXltj6/hCliDAFtmmnKJ9RmgIp2umZHiH+hwAm+bX3BL6Z2R9tqYQAxfBFES1JM0JZVL5o9J3cH/8cYtPl0EHPUMjXRhAYg4i15E0N8uQ47+8ra100MxBSUac2Ui+ljGfC8nQeQQyq6nv9tPdJnjlqmM/ZaqMUAKwFMsnpUcde7L5YSX4B5WmwHv2XVttJrhUATJXkdcdRlcwCAH2IiFnC4fWBM+AQPy8iqmhqozADniHbozxhIarqAe558cF1oNpoLopwQSD2ISSubA5Cww/Tw/FhtwUcwj/GwuY5TrqMBPU4Xad4fIUk+uI+BbbZOsMgfaCJNfPOe4DWPTKzsuzYEnvPK2g7h306clzCPCQjZAZd2SUYlBjjT05L3DOSNCsQXcC9mZd9ThwrNi9jgFTkaIA66iAHyHJjAc6tkWDGz3jNapiDLW4RkBjjPv0N/ptW4ygwUDaBxL+FgHq67SIjrlnrP4bMJF6IWEfXlH+zNrqW/oRA5BjK/8fCTKlpQRQO26zcMQg9E8u6pEA3i3phJ2v1eNKSjo7w5ADZfrgsQMApoEA2B8UyRZH6TkMQAJ/3r9We+6YEZSBdqnsII0QIAoXCoPq4otffTEtqJh0wQ4aYwVvxOCiD6D+39ty25o6thzB08bVufqgWpGtAn/aHBMjgkjEEf3Xgyesarmfny2r19/uCSepaOhMa9WbXfJ3wD4WboOWXguxnHzx97ybx34WRPiM1zvOQixE/yBakMmNRvigaSpXht9pO1XLQhZtartYBrsdd5gDDiB/ywVM8B+B6IJ4BgMWGnEH7mxyeytAlzgNB9RFGeFiT5gmgG2C9db1Tkkyf9GnRMMouYI7ShjBHaNiPVzyvJlXSEQAjva5jMAXiOjqwyiT1z0BRBEx6TQ8QTiP17xsg6tgLEX28ikaIBPWnYFDVmfiCDEEYwyBAjINIx5dQxHUJgP7qRz3VYKkKhw03d5zyh0YTnmVeuXco0OGZiGbjmcROJKAY45zsp74kyUvPtqD5Lf3Ifg8xz1Pu9+FyHjhowwE9RyzWYHU38vLDTJzzv6euP7ApZygzZc+qTsWYoVgMm9ZsyNc4DA9KZRQiESUIjprwoRjs3iBJK2vH5T23EpAHjIKifNfU1NkR4ie+LTE4eZvu1YL2JQFRZiuUmotNdjtOSXBWEmn68j2btOrYts+EQBOJo6UbKyiIq+uWbNiRf+xZJwunvZpFo65FNlcfFd53Y3KMF02NjY8+W3RfLgE+My/dDJBawmwBE0E5WAMHEcYf+L6AvExELNCIw8n0+g9C2/RXTEhpvPndU94dS+a+X3VNaF+RWfrr2LHUCUwQGjeRhr7U0QihakQOEWPSljAEwU6Ipn/BZlYadTFVNSfjw+kPRcauswi7GB7T0m7MNMgBAZKKNkOoXrX7BvBjph5Gh0FfmKU0RHwSEc7LsnpjKuJ4FlytXvyAUg2My1DYdaSJ045XBpdhScc4QKmbWzPWn7ax0i+eAY9GUyfHBpNNDq+yeGAbcJ3/QYb3QIdLD4sYDd36/r95SGJExxWMOs9XL1y52iSBMyPMLGlxXpbSFZ0H4lNokTCOrduOLlmSljqJJ2WfObL53/mRGFxmrMqffLvv+GAZ07T9EDIH8CI1pueRlmKUud3F6EXzNId9T5FwllbA6MeMq9l6cMRBiSkqD90JwTWANXS7/rp0B+1oEjdR9pZUTMQxoyR83IlSWDknxK4AB2HJeQ0SV9G4MJJUwnljSIs/BxKUiI7YjOq3MbF2++u8eR2xKkKYBFWJkP8GWMcRqR2yRlYakEqqsN8RANoWcdX329yhEfUdvvqpZBnhfngxJB4jvEO2AIWWZUv++JiAEn3UbQpoIsQP1Q4VI2h/QdNQg2sHUX7QD2+4TWGqIBHlrwmWQuUNHws9El88MEgPdoBELsemyn8uHzuFXMV0C0tk4SRZW6qZSmsKCMYAlxxUTK7sZzTxAKF3uUsf+o2WEyjRMzm+tQ0cjFpIZMQyYMy4SWlqh4kGA1CLd2Pyp766JlmJifo3lDdl/+iJREUw45taJ6zLDG9dc2fUD1QAkjvnApCV65FbRHvirbg+U73CsBK2FWQhtTRRmqorPYyuVwtWy62MYwBb/Fn/clVORphET2WQzRmuPL9jJDK+XbOzMZOySS3NsX707Y9gxL09TVhldBKlDvf3WbxXmkLK+u+dwD8xIKbf0hKwRBnza/fJF48EHyqxX1mhxdswUUelLLvWgWx5IaVAyKIxjxQz7LxFQnfCTe/ViEM8at6kFGL3UMYXnaqGRrCz3aDNVhNt6he6vpgSl6wE2pUqZRbcCeNWrD2WqKZ2lCcF5rRqqInWSlhYzIBDGsXJWB/SNRfYiieb51P7ITnupxhYTKsw4fOZQXwFwYFFmi01Hv2oKEMOASdPZgJGhyg7HMpB8k7odiBRKT0uOJhWLFy3p0SqgtSoFwgjRGvqDr5BjFNAytFbh0bKTWWJ9QBdIRJMM8Jcm8+p2YEw17bqYrYjpLKswO5UJMpHLG39gDnPOlCB2SfIvxmX2ZJN1XSBNVDv46WuIFUIT+R+0QKe6cbKB8sLKYDwqUOCQqPvL7okNQzl5KmOA2MI6nZaCKT9KymMsk7YqmcwywFT2GtRZjNfwgoTTMffElqV0S7/EDlYF0UeI+EUlg1PfG0z2s9Ofu4P9SUUgRXI05r4oBjhH0o1pV1c0B9y376mDPYMVk1ZUi9NU9lNDa7BoZKgiOxaeiZyLPRYtpTSxW41FvJ86q80qjK0ZkftiD+zQGy+axPEPZnrOhuA5bz43k7yBHDAmL0M7G3tvCgN6zBD5nBjISpREHnIUQGw4+0jF1HMZ2BgoTl9vVSIqK1uTNoE+egL5Wuy9SQc22WiI+cAkfxdFLILOZrjXMzsr+8hSy0C8YqdGoSM6/+ygw+8ftGYxzvEzQVRmNSr6EaTuD+hylgcWhYZiV2+zySkIX6UGZ1DmR4BvEZOjzw4i5YCG/MYyv8w5QwPvmmjpB8lHlnGAkXHJuTwtYGCYHQYS2MAQDSmqGiTo2xO/WtXXR10WGTiqoAtP+nG+3zEJqLJJb6f8IQscGlNuSRGJr1v8tPrewYWfAmz3hoc39X2Otop/QAhCEVJA+neaRFQ6tE/7Ai1B4oiamFkysLrJtxQUBQWM6zEbdPzXJhslRR6YTCZLP6i6U36n7pzswaqer+nHIGL/IhRFPowJU8pivgjZhv5i30dNBVRigJtkdJ2NHAPZJObD/Ghoh5wHKT3E9Hj9e63qOaN1zorYYdSa54acPV9V4J9eNV/wN22EENjNP2e8kwNSUJkB7pz+7g6QmLMeYrEQxAd5Dln/PzDGR+v8ZkGt84KcKeoebCqOqS7m2/xoEP/nCYBsFlSofcRx7ROz3JJb1x/oco8qqFJ42zRCDjmwdwG7v8PURCOH9tmOsG48K+/rTKAGlftJge+QGYs36z/nxlwbTZ4bSg+7S3BTWeo53SesGAIGAAkqAnuZGWOlkDOERk9Pd5uTe44s9vcGFyFQVbCg8Ha7gIz4Tf5QUKMn57qOIR3d1HWOFAWx0Lbfh0f8WdMw8UHjZ0fTQdugdk/OCDvK6YhFJmkY7H8OcLiNEx8M9Acc/KIuULQugPlpYh7RICD4zrLiqjoY+C9oqJN1W/pz/8cbSGcUnQ+0AMDeP2uJX1rbc1PAMmJH6Pekzn70x/bWI5vav//bO+0hAT+ntcP8P8IOrGXbdHt4cao9BL8tNnDYQU66wQ4LTrUbPJL+pkG7w4iF1IiZLyXhfbQ7pml9e3604pRtnPccfbDeIDF0v6ba/uJ4NBrnVJRu9y/BnOlMoqjVPDpsP3c7dAzw4SR1mWv8zQEYrcClV137yHSITjs3bAQfYYQRRhhhhBFGGAH8D9DXSGd7oPh2AAAAAElFTkSuQmCC) 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. - How can I transfer my 401k to my existing Roth IRA without exceeding the annual contribution limit? - What are Roth IRA contribution limits? - Can you own multiple investments in a Roth IRA as long as contributions are within the annual limit? 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Readable Markdown	Learn the max you can save in your Roth 401(k). ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/learning-center/heros/roth-401k-contribution-limits-23-24_353844868_banner.png) ### Key takeaways - Each year, the IRS determines the maximum that you and your employer can contribute to your Roth 401(k). - For 2025, the Roth 401(k) contribution limit is \$23,500. For 2026, the Roth 401(k) contribution limit is \$24,500. - If you are 50 or older, you can save \$7,500 more in your Roth 401(k) as a "catch-up contribution" for 2025 and \$8,000 for 2026. - If you are age 60 to 63, the "catch-up contribution" expands to \$11,250 in 2025 and 2026 in lieu of the standard \$7,500, only if your plan allows. Roth 401(k)s let you invest dollars you've already paid taxes on for retirement. You can then withdraw your contributions—plus any investment growth—tax-free once you've turned 59½ and at least 5 years have passed since you made the first contribution to your Roth account. These tax advantages can make Roth 401(k)s an appealing way to save for the future. But as with other retirement accounts, there are important contribution limits to keep in mind. It's important to note that your total contributions cannot be more than your annual eligible compensation at the company that sponsors your 401(k) plan. If your firm has both traditional 401(k) and Roth 401(k) contribution options, or if you have access to other Roth 401(k)s or traditional 401(k)s from another company, your combined contributions across all these will be limited to the annual employee contribution limit. ### Roth 401(k) contribution limits 2025 The Roth 401(k) contribution limit for 2025 is \$23,500 for employee contributions and \$70,000 for employee and employer contributions combined. There's also a \$7,500 catch-up contribution for those age 50 to 59 and 64 or older, which raises the employee limit to \$31,000 for those eligible. In 2025, those between ages 60 and 63 are eligible to contribute up to \$11,250 as a "super" catch-up contribution, if your plan allows. So in 2025, those 60 to 63 can contribute up to \$34,750 in 2025, depending on your plan. Check with your plan sponsor to find out if this larger catch-up is available to you. ### Roth 401(k) contribution limits 2026 The Roth 401(k) contribution limit for 2026 is \$24,500 for employee contributions and \$72,000 for employee and employer contributions combined. There's also a \$8,000 catch-up contribution for those age 50 to 59 and 64 or older, which raises the employee limit to \$32,500 for those eligible. In 2026, those between ages 60 and 63 will be eligible to contribute up to \$11,250 as a "super" catch-up contribution, if your plan allows. So in 2026, those 60 to 63 can contribute up to \$35,750 in 2026, depending on your plan. Check with your plan sponsor to find out if this larger catch-up is available to you. Starting in 2026, if those with prior year wage income of \$150,000 or more want to make catch-up contributions, they are required to make them to a Roth balance. If the plan does not have a Roth option, such individuals can't make catch-up contributions. ### Roth 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 ### Roth 401(k) income limits Unlike [Roth IRAs](https://www.fidelity.com/learning-center/smart-money/roth-ira-contribution-limits "Roth IRAs"), Roth 401(k)s don't have any income limits. Regardless of how much you earn, you can contribute to a Roth 401(k) if your employer offers one. ### What happens if you contribute too much to your Roth 401(k)? Contributing more than your allowable amount to a Roth 401(k) may trigger additional income tax liabilities if the excess deferral amount and investment earnings are not distributed by April 15 following the close of the calendar year during which the excess deferral was made. If you wait to withdraw excess contributions after April 15 or after you file your taxes for that contribution year, you may be subject to double taxation—once for the year you contributed and a second time when the deferrals and attributable earnings are ultimately distributed from the plan. 401(k) plans typically have guardrails in place to keep you from contributing more than you're supposed to. But double-check your contribution amounts to make sure you won't exceed the limit, especially if you recently changed jobs or have multiple 401(k) plans. If you accidentally contributed too much to your Roth 401(k), it's a smart idea to reach out to a tax professional for guidance on how to best remove those excess contributions. ### How to maximize your Roth 401(k) contributions Contributing to your Roth 401(k) is just the first step to building your retirement savings. Consider these tips to potentially amplify the impact of those Roth 401(k) savings. 1\. Prioritize any matching Many employers encourage you to save for retirement by contributing a percentage of what you save in your 401(k) each year through what's called a 401(k) employer match. This usually means they contribute \$0.50 or \$1 for each \$1 you do, up to a certain percent of your salary. If your employer offers a 401(k) match, aim to contribute at least enough to your 401(k) to earn the full amount. This is like free money that could help to bolster your retirement savings over time. 2\. Contribute early and often One of the keys to a successful retirement is saving as early as you can. The longer your money is invested, the more time you have to potentially benefit from compounding, a snowball-type effect where your investment returns begin to earn investment returns. Starting to save for retirement early could be especially beneficial to those with Roth accounts. Because people's earnings (and tax rates) may rise as they age, younger workers in particular may prefer Roth accounts to allow for long-term, tax-free growth. 3\. Always remember your Roth 401(k) when changing jobs There's a lot to juggle when changing jobs, but try not to forget about your retirement accounts. If you settle in with a new employer, make sure to decide on a plan for [what to do with your old 401(k)](https://www.fidelity.com/learning-center/smart-money/what-happens-to-your-401k-when-you-leave-a-job "what to do with your old 401(k)").
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