🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 185 (from laksa000)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa185.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.schwab.com/learn/story/401k-contribution-limits\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.schwab.com/learn/story/401k-contribution-limits\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.schwab.com\/learn\/story\/401k-contribution-limits","crawl_time":1775539164,"first_indexed_time":1769720357,"http_code":200,"src_unparsed":"com,schwab!www,\/learn\/story\/401k-contribution-limits s443","src_root_hash":"12386545145768976185","history_drop_reason":null,"meta_title":"401(k) Contribution Limits: 2024, 2025, and 2026 | Charles Schwab","meta_descriptions":["Learn the latest IRS 401(k) contribution limits (including catch-up and super catch-up rules) and how to plan contributions to maximize tax benefits."],"attrs_boilerpipe_text":"Key takeaways\n401(k) contributions can be made as traditional contributions to a tax-deferred account or as Roth contributions to a Roth account.\nBoth you as an employee and your employer can make contributions to a 401(k) plan.\nCatch-up contributions may allow qualified individuals age 50 and older to contribute even more.\nContribution limits—including catch-up and super catch-up limits—are adjusted periodically for inflation by the IRS.\nIf you contribute to multiple 401(k) plans, your combined contributions cannot exceed the annual limits.\n401(k) contribution limits\nAnnual\n401(k)\ncontribution limits are important to know because they define how much tax-advantaged money you can save in your 401(k) each year. They also provide a clear savings target that can help you plan your retirement contributions.\nWhen it comes to saving for retirement, maximizing your employer sponsored retirement plan contributions can be a powerful strategy for potentially growing your money over time, as well as helping you take advantage of some tax benefits.\nAhead, we'll review the annual contribution limits, how they're determined, and other important considerations to keep in mind while tax planning.\nThe tables below outline the annual employee elective deferral limits for workplace retirement plans. These limits apply to both traditional and Roth 401(k) contributions. Employer contributions do not count towards these limits. In addition to the standard contribution limits, each table provides\ncatch-up\nand super catch-up limits for the corresponding tax year. Detailed catch-up rules—including qualifying ages and SECURE 2.0 requirements—are covered further ahead.\n401(k) contribution limits*: 2024\n \nCategory\nStandard Contribution Limit\nCatch-up Contribution Limit\nTotal Contribution Limit\nUnder 50\n$23,000\nN\/A\n$23,000\nAge 50-59, 64+\n$23,000\n$7,500\n$30,500\nAge 60-63\n$23,000\n$7,500\n$30,500\n*Also applies to Roth 401(k), 457(b), and 403(b) plans.\nSource: IRS.gov\n401(k) contribution limits*: 2025\n \nCategory\nStandard Contribution Limit\nCatch-up Contribution Limit\nTotal Contribution Limit\nUnder 50\n$23,500\nN\/A\n$23,500\nAge 50-59, 64+\n$23,500\n$7,500\n$31,000\nAge 60-63\n$23,500\n$11,250\n$34,750\n* Also applies to Roth 401(k), 457(b), and 403(b) plans.\nSource: IRS.gov\n401(k) contribution limits*: 2026\n \nCategory\nStandard Contribution Limit\nCatch-up Contribution Limit\n†\nTotal Contribution Limit\nUnder 50\n$24,500\nN\/A\n$24,500\nAge 50-59, 64+\n$24,500\n$8,000\n$32,500\nAge 60-63\n$24,500\n$11,250\n$35,750\n*Also applies to Roth 401(k), 457(b), and 403(b) plans.\n†\nNote: Beginning on January 1, 2026, workers who are 50 (by December 31) or older who earned more than $150,000 in FICA wages in the prior year will need to make any catch-up contributions on a Roth basis, per a provision within SECURE 2.0 Act.\nSource: IRS.gov\nWant more ways to save for retirement?\nHow are 401(k) contribution limits determined?\nEach year, the Internal Revenue Service (IRS) is responsible for setting 401(k) contribution limits. The annual adjustments are typically based on inflation and other factors impacting the economy, ensuring the limits remain relevant to current economic conditions. Typically, new contribution limits for the upcoming year are announced in late fall.\nHow much should you contribute to your 401(k)?\nMaximizing your 401(k) contributions, if you can, is one of the most effective ways to build long-term financial security. By contributing up to the annual IRS limits, your investments can experience tax-advantaged compound growth—and the earlier you start, the more time your money has to potentially grow.\nOne way to consistently reach the maximum 401(k) contribution limit each year is by calculating the monthly (or per-paycheck) amount needed to reach the annual limit and then set up automated contributions in your 401(k) plan. Having\nautomated contributions\nmakes it easier to save since the funds are deducted automatically from your paycheck, and you can gradually increase your percentage each year to stay on track.\nIf contributing the full IRS limit isn't realistic, aim for what you can, starting with at least enough to capture your company match. A good contribution target is 10%–15% of your take-home pay.\nTraditional 401(k) vs. Roth 401(k) contributions\nMany employers now allow you to choose between making your 401(k) contributions to a traditional 401(k) or a Roth 401(k) plan.\nWith a\ntraditional 401(k)\n, your contributions are made tax-free, allowing you to reduce your tax bill this year. You will, however, pay ordinary income taxes on the pre-tax contributions and growth when you make a qualified withdrawal in retirement.\nWith a\nRoth 401(k)\n, your Roth contributions are made with after-tax dollars, so there's no up-front tax savings; however, qualified withdrawals in retirement are tax-free.\nWhen should I make my 401(k) contributions?\nYou need to make any 401(k) contributions by the end of the calendar year. However, the sooner you get the money into the account, the more time your money has to potentially grow.\nHow much can you contribute if you have multiple 401(k) plans?\nIf you have more than one employer and contribute to separate 401(k) plans during the year, the total employee contribution limit applies to you as an individual across all 401(k) plans you participate in during the year.\nFor instance, if you contribute $15,000 to one company's 401(k) and $10,000 to a different company's 401(k) in 2025, your total employee contribution of $25,000 would exceed the $23,500 employee limit by $1,500.\nAlthough most 401(k) plans have safeguards to prevent excess contributions, it's your responsibility to monitor your total contributions for the year to ensure they don't surpass the contribution limit.\nWhat happens if you contribute more than the limit?\nExceeding the annual contribution limit has specific tax implications. If you\nchange jobs\nduring the year and have more than one 401(k) plan you've contributed to that year or if you make a large contribution from a bonus early in the year you may be more at risk of overcontributing.\nIf you contribute more than the employee limit, the excess amount, referred to as an excess deferral, could be considered taxable income during the year the contribution was made.\nShould you make an excess contribution, contact your plan administrator to determine how to correct it. Generally, you must remove the excess contribution, along with any earnings attributable to it, from your 401(k) plan by April 15 of the following year.\nHow do employer contributions work?\nMany employers contribute to employees' retirement through a\n401(k) match\n, nonelective contributions, or profit-sharing contributions. These contributions are distinct from your employee contributions, and do not count toward your annual employee elective deferral limit. They do, however, count toward the total amount that can be contributed to your 401(k). The total amount is known as the annual additions limit.\nWhat is the annual additions limit?\nThe IRS sets an overall cap on the total amount that can go into your 401(k) each year, referred to as the annual additions limit.\nThe annual additions limit includes all of the following combined:\nYour employee elective deferrals (traditional or Roth)\nAny employer matching contributions\nEmployer nonelective or profit-sharing contributions\nAfter-tax contributions (if your plan allows them)\nThe 2024 annual additions limit is $69,000; the 2025 annual additions limit is $70,000; and the 2026 annual additions limit is $72,000. You can also add to this limit the catch-up contributions related to your age.\nThis limit is especially relevant for high earners, employees with generous employer contributions, and individuals using after-tax contributions or a mega backdoor Roth strategy.\nWhile most taxpayers will not reach the annual additions limit, understanding it can help you plan your retirement contributions more effectively—particularly if your plan allows additional after-tax savings beyond standard deferrals.\nKnowing your 401(k) contribution limits can help you plan\nUnderstanding 401(k) contribution limits can help you make informed decisions about your retirement savings. Reviewing your contributions annually helps ensure you're taking full advantage of potential tax benefits, staying within IRS rules, and positioning yourself for long-term financial security.\nWant more ways to save for retirement?\nMore from Charles Schwab\nThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.\nInvesting involves risk, including loss of principal.\nDiversification and automatic investing strategies do not ensure a profit and do not protect against losses in declining markets.\nThis information is not a specific recommendation, individualized investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager, Estate Attorney) to help answer questions about specific situations or needs prior to taking any action based upon this information. Certain information presented herein may be subject to change. The information or material contained in this document may not be copied, assigned, transferred, disclosed or utilized without the express written approval of Schwab.\nFor illustrative purpose(s) only. Individual situations will vary and are not the experience of any specific client. Not intended to be reflective of results you can expect to achieve.\nThe Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.\n0126-W56U","attrs_markdown":"Loading navigation\n\nMenu\n\n[401(k)](https:\/\/www.schwab.com\/learn\/topic\/401k)\n\n# 401(k) Contribution Limits: 2024, 2025, and 2026\nLearn the latest IRS 401(k) contribution limits (including catch-up and super catch-up rules) and how to plan contributions to maximize tax benefits.\n\nJanuary 29, 2026•[Hayden Adams](https:\/\/www.schwab.com\/learn\/author\/hayden-adams)\n\n![](https:\/\/educationcontent.schwab.com\/sites\/g\/files\/eyrktu1071\/files\/NL_KitofParts_RothvsTraditional_33_2x1.jpg?im=SmartCrop%2Cwidth%3D900%2Cheight%3D600&imwidth=3840)\n***\n\n## Key takeaways\n- 401(k) contributions can be made as traditional contributions to a tax-deferred account or as Roth contributions to a Roth account.\n- Both you as an employee and your employer can make contributions to a 401(k) plan.\n- Catch-up contributions may allow qualified individuals age 50 and older to contribute even more.\n- Contribution limits—including catch-up and super catch-up limits—are adjusted periodically for inflation by the IRS.\n- If you contribute to multiple 401(k) plans, your combined contributions cannot exceed the annual limits.\n## 401(k) contribution limits\nAnnual [401(k)](https:\/\/www.schwab.com\/learn\/story\/how-do-401ks-work-frequently-asked-questions) contribution limits are important to know because they define how much tax-advantaged money you can save in your 401(k) each year. They also provide a clear savings target that can help you plan your retirement contributions.\n\nWhen it comes to saving for retirement, maximizing your employer sponsored retirement plan contributions can be a powerful strategy for potentially growing your money over time, as well as helping you take advantage of some tax benefits.\n\nAhead, we'll review the annual contribution limits, how they're determined, and other important considerations to keep in mind while tax planning.\n\nThe tables below outline the annual employee elective deferral limits for workplace retirement plans. These limits apply to both traditional and Roth 401(k) contributions. Employer contributions do not count towards these limits. In addition to the standard contribution limits, each table provides [catch-up](https:\/\/www.schwab.com\/learn\/story\/what-to-know-about-catch-up-contributions) and super catch-up limits for the corresponding tax year. Detailed catch-up rules—including qualifying ages and SECURE 2.0 requirements—are covered further ahead.\n\n## 401(k) contribution limits\\*: 2024\n| Category | Standard Contribution Limit | Catch-up Contribution Limit | Total Contribution Limit |\n|---|---|---|---|\n| **Under 50** | \\$23,000 | N\/A | \\$23,000 |\n| **Age 50-59, 64+** | \\$23,000 | \\$7,500 | \\$30,500 |\n| **Age 60-63** | \\$23,000 | \\$7,500 | \\$30,500 |\n\n\\*Also applies to Roth 401(k), 457(b), and 403(b) plans.\n\nSource: IRS.gov\n\n## 401(k) contribution limits\\*: 2025\n| Category | Standard Contribution Limit | Catch-up Contribution Limit | Total Contribution Limit |\n|---|---|---|---|\n| **Under 50** | \\$23,500 | N\/A | \\$23,500 |\n| **Age 50-59, 64+** | \\$23,500 | \\$7,500 | \\$31,000 |\n| **Age 60-63** | \\$23,500 | \\$11,250 | \\$34,750 |\n\n\\* Also applies to Roth 401(k), 457(b), and 403(b) plans.\n\nSource: IRS.gov\n\n## 401(k) contribution limits\\*: 2026\n| Category | Standard Contribution Limit | Catch-up Contribution Limit**†** | Total Contribution Limit |\n|---|---|---|---|\n| **Under 50** | \\$24,500 | N\/A | \\$24,500 |\n| **Age 50-59, 64+** | \\$24,500 | \\$8,000 | \\$32,500 |\n| **Age 60-63** | \\$24,500 | \\$11,250 | \\$35,750 |\n\n\\*Also applies to Roth 401(k), 457(b), and 403(b) plans.\n\n†Note: Beginning on January 1, 2026, workers who are 50 (by December 31) or older who earned more than \\$150,000 in FICA wages in the prior year will need to make any catch-up contributions on a Roth basis, per a provision within SECURE 2.0 Act.\n\nSource: IRS.gov\n***\n## Want more ways to save for retirement?\n[See how an IRA can help](https:\/\/www.schwab.com\/ira)\n***\n## How are 401(k) contribution limits determined?\nEach year, the Internal Revenue Service (IRS) is responsible for setting 401(k) contribution limits. The annual adjustments are typically based on inflation and other factors impacting the economy, ensuring the limits remain relevant to current economic conditions. Typically, new contribution limits for the upcoming year are announced in late fall.\n\n## How much should you contribute to your 401(k)?\nMaximizing your 401(k) contributions, if you can, is one of the most effective ways to build long-term financial security. By contributing up to the annual IRS limits, your investments can experience tax-advantaged compound growth—and the earlier you start, the more time your money has to potentially grow.\n\nOne way to consistently reach the maximum 401(k) contribution limit each year is by calculating the monthly (or per-paycheck) amount needed to reach the annual limit and then set up automated contributions in your 401(k) plan. Having [automated contributions](https:\/\/www.schwab.com\/learn\/story\/automate-saving-and-investing-save-invest-repeat) makes it easier to save since the funds are deducted automatically from your paycheck, and you can gradually increase your percentage each year to stay on track.\n\nIf contributing the full IRS limit isn't realistic, aim for what you can, starting with at least enough to capture your company match. A good contribution target is 10%–15% of your take-home pay.\n\n## Traditional 401(k) vs. Roth 401(k) contributions\nMany employers now allow you to choose between making your 401(k) contributions to a traditional 401(k) or a Roth 401(k) plan.\n\nWith a **traditional 401(k)**, your contributions are made tax-free, allowing you to reduce your tax bill this year. You will, however, pay ordinary income taxes on the pre-tax contributions and growth when you make a qualified withdrawal in retirement.\n\nWith a **Roth 401(k)**, your Roth contributions are made with after-tax dollars, so there's no up-front tax savings; however, qualified withdrawals in retirement are tax-free.\n## When should I make my 401(k) contributions?\nYou need to make any 401(k) contributions by the end of the calendar year. However, the sooner you get the money into the account, the more time your money has to potentially grow.\n\n## How much can you contribute if you have multiple 401(k) plans?\nIf you have more than one employer and contribute to separate 401(k) plans during the year, the total employee contribution limit applies to you as an individual across all 401(k) plans you participate in during the year.\n\nFor instance, if you contribute \\$15,000 to one company's 401(k) and \\$10,000 to a different company's 401(k) in 2025, your total employee contribution of \\$25,000 would exceed the \\$23,500 employee limit by \\$1,500.\n\nAlthough most 401(k) plans have safeguards to prevent excess contributions, it's your responsibility to monitor your total contributions for the year to ensure they don't surpass the contribution limit.\n## What happens if you contribute more than the limit?\nExceeding the annual contribution limit has specific tax implications. If you [change jobs](https:\/\/www.schwab.com\/learn\/story\/changing-jobs-should-you-roll-over-your-401k) during the year and have more than one 401(k) plan you've contributed to that year or if you make a large contribution from a bonus early in the year you may be more at risk of overcontributing.\n\nIf you contribute more than the employee limit, the excess amount, referred to as an excess deferral, could be considered taxable income during the year the contribution was made.\n\nShould you make an excess contribution, contact your plan administrator to determine how to correct it. Generally, you must remove the excess contribution, along with any earnings attributable to it, from your 401(k) plan by April 15 of the following year.\n## How do employer contributions work?\nMany employers contribute to employees' retirement through a [401(k) match](https:\/\/www.schwab.com\/learn\/story\/401k-match), nonelective contributions, or profit-sharing contributions. These contributions are distinct from your employee contributions, and do not count toward your annual employee elective deferral limit. They do, however, count toward the total amount that can be contributed to your 401(k). The total amount is known as the annual additions limit.\n\n## What is the annual additions limit?\nThe IRS sets an overall cap on the total amount that can go into your 401(k) each year, referred to as the annual additions limit.\n\nThe annual additions limit includes all of the following combined:\n\n- Your employee elective deferrals (traditional or Roth)\n- Any employer matching contributions\n- Employer nonelective or profit-sharing contributions\n- After-tax contributions (if your plan allows them)\n\nThe 2024 annual additions limit is \\$69,000; the 2025 annual additions limit is \\$70,000; and the 2026 annual additions limit is \\$72,000. You can also add to this limit the catch-up contributions related to your age.\n\nThis limit is especially relevant for high earners, employees with generous employer contributions, and individuals using after-tax contributions or a mega backdoor Roth strategy.\n\nWhile most taxpayers will not reach the annual additions limit, understanding it can help you plan your retirement contributions more effectively—particularly if your plan allows additional after-tax savings beyond standard deferrals.\n## Knowing your 401(k) contribution limits can help you plan\nUnderstanding 401(k) contribution limits can help you make informed decisions about your retirement savings. Reviewing your contributions annually helps ensure you're taking full advantage of potential tax benefits, staying within IRS rules, and positioning yourself for long-term financial security.\n***\n## Want more ways to save for retirement?\n[See how an IRA can help](https:\/\/www.schwab.com\/ira)\n***\n## More from Charles Schwab\n[![](https:\/\/educationcontent.schwab.com\/sites\/g\/files\/eyrktu1071\/files\/MA_Diversify-Portfolio-1-trueblue_1x1.jpg?imwidth=3840)Target Date Funds' Benefits Article \\| Mar 4, 2026](https:\/\/www.schwab.com\/learn\/story\/target-date-funds-wealth-accumulation-made-simple)\n\n[![Illustration of an investor placing money into a egg full of savings](https:\/\/educationcontent.schwab.com\/sites\/g\/files\/eyrktu1071\/files\/FD_S21E2_1x1.jpeg?imwidth=3840)Why the 401(k) is Crucial to Saving Podcast \\| Mar 2, 2026](https:\/\/www.schwab.com\/learn\/story\/why-is-401k-crucial-to-retirement-saving)\n\n[![](https:\/\/educationcontent.schwab.com\/sites\/g\/files\/eyrktu1071\/files\/AdobeStock_112562333_2x1.jpg?im=SmartCrop%2Cwidth%3D368%2Cheight%3D368&imwidth=3840)401(k)—Scam or Smart Move? Article \\| Feb 4, 2026](https:\/\/www.schwab.com\/learn\/story\/why-401k-is-smart-move-not-scam)\n\n## Explore more topics\n- [Retirement](https:\/\/www.schwab.com\/learn\/topic\/retirement)\n- [401(k)](https:\/\/www.schwab.com\/learn\/topic\/401k)\n\nThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.\n\nInvesting involves risk, including loss of principal.\n\nDiversification and automatic investing strategies do not ensure a profit and do not protect against losses in declining markets.\n\nThis information is not a specific recommendation, individualized investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager, Estate Attorney) to help answer questions about specific situations or needs prior to taking any action based upon this information. Certain information presented herein may be subject to change. The information or material contained in this document may not be copied, assigned, transferred, disclosed or utilized without the express written approval of Schwab.\n\nFor illustrative purpose(s) only. Individual situations will vary and are not the experience of any specific client. 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Both you as an employee and your employer can make contributions to a 401(k) plan. Catch-up contributions may allow qualified individuals age 50 and older to contribute even more. Contribution limits—including catch-up and super catch-up limits—are adjusted periodically for inflation by the IRS. If you contribute to multiple 401(k) plans, your combined contributions cannot exceed the annual limits.\n\n401(k) contribution limits\n\nAnnual [401(k)](https:\/\/www.schwab.com\/learn\/story\/how-do-401ks-work-frequently-asked-questions) contribution limits are important to know because they define how much tax-advantaged money you can save in your 401(k) each year. They also provide a clear savings target that can help you plan your retirement contributions. When it comes to saving for retirement, maximizing your employer sponsored retirement plan contributions can be a powerful strategy for potentially growing your money over time, as well as helping you take advantage of some tax benefits. Ahead, we'll review the annual contribution limits, how they're determined, and other important considerations to keep in mind while tax planning. The tables below outline the annual employee elective deferral limits for workplace retirement plans. These limits apply to both traditional and Roth 401(k) contributions. Employer contributions do not count towards these limits. In addition to the standard contribution limits, each table provides [catch-up](https:\/\/www.schwab.com\/learn\/story\/what-to-know-about-catch-up-contributions) and super catch-up limits for the corresponding tax year. Detailed catch-up rules—including qualifying ages and SECURE 2.0 requirements—are covered further ahead.\n\n## 401(k) contribution limits\\*: 2024\n| Category | Standard Contribution Limit | Catch-up Contribution Limit | Total Contribution Limit |\n|---|---|---|---|\n| **Under 50** | \\$23,000 | N\/A | \\$23,000 |\n| **Age 50-59, 64+** | \\$23,000 | \\$7,500 | \\$30,500 |\n| **Age 60-63** | \\$23,000 | \\$7,500 | \\$30,500 |\n\n\\*Also applies to Roth 401(k), 457(b), and 403(b) plans. Source: IRS.gov\n\n## 401(k) contribution limits\\*: 2025\n| Category | Standard Contribution Limit | Catch-up Contribution Limit | Total Contribution Limit |\n|---|---|---|---|\n| **Under 50** | \\$23,500 | N\/A | \\$23,500 |\n| **Age 50-59, 64+** | \\$23,500 | \\$7,500 | \\$31,000 |\n| **Age 60-63** | \\$23,500 | \\$11,250 | \\$34,750 |\n\n\\* Also applies to Roth 401(k), 457(b), and 403(b) plans. Source: IRS.gov\n\n## 401(k) contribution limits\\*: 2026\n| Category | Standard Contribution Limit | Catch-up Contribution Limit**†** | Total Contribution Limit |\n|---|---|---|---|\n| **Under 50** | \\$24,500 | N\/A | \\$24,500 |\n| **Age 50-59, 64+** | \\$24,500 | \\$8,000 | \\$32,500 |\n| **Age 60-63** | \\$24,500 | \\$11,250 | \\$35,750 |\n\n\\*Also applies to Roth 401(k), 457(b), and 403(b) plans. †Note: Beginning on January 1, 2026, workers who are 50 (by December 31) or older who earned more than \\$150,000 in FICA wages in the prior year will need to make any catch-up contributions on a Roth basis, per a provision within SECURE 2.0 Act. Source: IRS.gov\n***\nWant more ways to save for retirement?\n***\nHow are 401(k) contribution limits determined?\n\nEach year, the Internal Revenue Service (IRS) is responsible for setting 401(k) contribution limits. The annual adjustments are typically based on inflation and other factors impacting the economy, ensuring the limits remain relevant to current economic conditions. Typically, new contribution limits for the upcoming year are announced in late fall.\n\nHow much should you contribute to your 401(k)?\n\nMaximizing your 401(k) contributions, if you can, is one of the most effective ways to build long-term financial security. By contributing up to the annual IRS limits, your investments can experience tax-advantaged compound growth—and the earlier you start, the more time your money has to potentially grow. One way to consistently reach the maximum 401(k) contribution limit each year is by calculating the monthly (or per-paycheck) amount needed to reach the annual limit and then set up automated contributions in your 401(k) plan. Having [automated contributions](https:\/\/www.schwab.com\/learn\/story\/automate-saving-and-investing-save-invest-repeat) makes it easier to save since the funds are deducted automatically from your paycheck, and you can gradually increase your percentage each year to stay on track. If contributing the full IRS limit isn't realistic, aim for what you can, starting with at least enough to capture your company match. A good contribution target is 10%–15% of your take-home pay.\n\n## Traditional 401(k) vs. Roth 401(k) contributions\nMany employers now allow you to choose between making your 401(k) contributions to a traditional 401(k) or a Roth 401(k) plan. With a **traditional 401(k)**, your contributions are made tax-free, allowing you to reduce your tax bill this year. You will, however, pay ordinary income taxes on the pre-tax contributions and growth when you make a qualified withdrawal in retirement. With a **Roth 401(k)**, your Roth contributions are made with after-tax dollars, so there's no up-front tax savings; however, qualified withdrawals in retirement are tax-free.\n\nWhen should I make my 401(k) contributions?\n\nYou need to make any 401(k) contributions by the end of the calendar year. However, the sooner you get the money into the account, the more time your money has to potentially grow.\n\nHow much can you contribute if you have multiple 401(k) plans?\n\nIf you have more than one employer and contribute to separate 401(k) plans during the year, the total employee contribution limit applies to you as an individual across all 401(k) plans you participate in during the year. For instance, if you contribute \\$15,000 to one company's 401(k) and \\$10,000 to a different company's 401(k) in 2025, your total employee contribution of \\$25,000 would exceed the \\$23,500 employee limit by \\$1,500. Although most 401(k) plans have safeguards to prevent excess contributions, it's your responsibility to monitor your total contributions for the year to ensure they don't surpass the contribution limit.\n\nWhat happens if you contribute more than the limit?\n\nExceeding the annual contribution limit has specific tax implications. If you [change jobs](https:\/\/www.schwab.com\/learn\/story\/changing-jobs-should-you-roll-over-your-401k) during the year and have more than one 401(k) plan you've contributed to that year or if you make a large contribution from a bonus early in the year you may be more at risk of overcontributing. If you contribute more than the employee limit, the excess amount, referred to as an excess deferral, could be considered taxable income during the year the contribution was made. Should you make an excess contribution, contact your plan administrator to determine how to correct it. Generally, you must remove the excess contribution, along with any earnings attributable to it, from your 401(k) plan by April 15 of the following year.\n\nHow do employer contributions work?\n\nMany employers contribute to employees' retirement through a [401(k) match](https:\/\/www.schwab.com\/learn\/story\/401k-match), nonelective contributions, or profit-sharing contributions. These contributions are distinct from your employee contributions, and do not count toward your annual employee elective deferral limit. They do, however, count toward the total amount that can be contributed to your 401(k). The total amount is known as the annual additions limit.\n\nWhat is the annual additions limit?\n\nThe IRS sets an overall cap on the total amount that can go into your 401(k) each year, referred to as the annual additions limit. The annual additions limit includes all of the following combined: Your employee elective deferrals (traditional or Roth) Any employer matching contributions Employer nonelective or profit-sharing contributions After-tax contributions (if your plan allows them) The 2024 annual additions limit is \\$69,000; the 2025 annual additions limit is \\$70,000; and the 2026 annual additions limit is \\$72,000. You can also add to this limit the catch-up contributions related to your age. This limit is especially relevant for high earners, employees with generous employer contributions, and individuals using after-tax contributions or a mega backdoor Roth strategy. While most taxpayers will not reach the annual additions limit, understanding it can help you plan your retirement contributions more effectively—particularly if your plan allows additional after-tax savings beyond standard deferrals.\n\nKnowing your 401(k) contribution limits can help you plan\n\nUnderstanding 401(k) contribution limits can help you make informed decisions about your retirement savings. Reviewing your contributions annually helps ensure you're taking full advantage of potential tax benefits, staying within IRS rules, and positioning yourself for long-term financial security.\n***\nWant more ways to save for retirement?\n***\nMore from Charles Schwab\n\nThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. Investing involves risk, including loss of principal. Diversification and automatic investing strategies do not ensure a profit and do not protect against losses in declining markets. This information is not a specific recommendation, individualized investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager, Estate Attorney) to help answer questions about specific situations or needs prior to taking any action based upon this information. Certain information presented herein may be subject to change. The information or material contained in this document may not be copied, assigned, transferred, disclosed or utilized without the express written approval of Schwab. For illustrative purpose(s) only. Individual situations will vary and are not the experience of any specific client. Not intended to be reflective of results you can expect to achieve. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.\n\n0126-W56U","meta_canonical":null}

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Boilerpipe Text	Key takeaways 401(k) contributions can be made as traditional contributions to a tax-deferred account or as Roth contributions to a Roth account. Both you as an employee and your employer can make contributions to a 401(k) plan. Catch-up contributions may allow qualified individuals age 50 and older to contribute even more. Contribution limits—including catch-up and super catch-up limits—are adjusted periodically for inflation by the IRS. If you contribute to multiple 401(k) plans, your combined contributions cannot exceed the annual limits. 401(k) contribution limits Annual 401(k) contribution limits are important to know because they define how much tax-advantaged money you can save in your 401(k) each year. They also provide a clear savings target that can help you plan your retirement contributions. When it comes to saving for retirement, maximizing your employer sponsored retirement plan contributions can be a powerful strategy for potentially growing your money over time, as well as helping you take advantage of some tax benefits. Ahead, we'll review the annual contribution limits, how they're determined, and other important considerations to keep in mind while tax planning. The tables below outline the annual employee elective deferral limits for workplace retirement plans. These limits apply to both traditional and Roth 401(k) contributions. Employer contributions do not count towards these limits. In addition to the standard contribution limits, each table provides catch-up and super catch-up limits for the corresponding tax year. Detailed catch-up rules—including qualifying ages and SECURE 2.0 requirements—are covered further ahead. 401(k) contribution limits: 2024 Category Standard Contribution Limit Catch-up Contribution Limit Total Contribution Limit Under 50 $23,000 N/A $23,000 Age 50-59, 64+ $23,000 $7,500 $30,500 Age 60-63 $23,000 $7,500 $30,500 Also applies to Roth 401(k), 457(b), and 403(b) plans. Source: IRS.gov 401(k) contribution limits: 2025 Category Standard Contribution Limit Catch-up Contribution Limit Total Contribution Limit Under 50 $23,500 N/A $23,500 Age 50-59, 64+ $23,500 $7,500 $31,000 Age 60-63 $23,500 $11,250 $34,750 Also applies to Roth 401(k), 457(b), and 403(b) plans. Source: IRS.gov 401(k) contribution limits: 2026 Category Standard Contribution Limit Catch-up Contribution Limit † Total Contribution Limit Under 50 $24,500 N/A $24,500 Age 50-59, 64+ $24,500 $8,000 $32,500 Age 60-63 $24,500 $11,250 $35,750 Also applies to Roth 401(k), 457(b), and 403(b) plans. † Note: Beginning on January 1, 2026, workers who are 50 (by December 31) or older who earned more than $150,000 in FICA wages in the prior year will need to make any catch-up contributions on a Roth basis, per a provision within SECURE 2.0 Act. Source: IRS.gov Want more ways to save for retirement? How are 401(k) contribution limits determined? Each year, the Internal Revenue Service (IRS) is responsible for setting 401(k) contribution limits. The annual adjustments are typically based on inflation and other factors impacting the economy, ensuring the limits remain relevant to current economic conditions. Typically, new contribution limits for the upcoming year are announced in late fall. How much should you contribute to your 401(k)? Maximizing your 401(k) contributions, if you can, is one of the most effective ways to build long-term financial security. By contributing up to the annual IRS limits, your investments can experience tax-advantaged compound growth—and the earlier you start, the more time your money has to potentially grow. One way to consistently reach the maximum 401(k) contribution limit each year is by calculating the monthly (or per-paycheck) amount needed to reach the annual limit and then set up automated contributions in your 401(k) plan. Having automated contributions makes it easier to save since the funds are deducted automatically from your paycheck, and you can gradually increase your percentage each year to stay on track. If contributing the full IRS limit isn't realistic, aim for what you can, starting with at least enough to capture your company match. A good contribution target is 10%–15% of your take-home pay. Traditional 401(k) vs. Roth 401(k) contributions Many employers now allow you to choose between making your 401(k) contributions to a traditional 401(k) or a Roth 401(k) plan. With a traditional 401(k) , your contributions are made tax-free, allowing you to reduce your tax bill this year. You will, however, pay ordinary income taxes on the pre-tax contributions and growth when you make a qualified withdrawal in retirement. With a Roth 401(k) , your Roth contributions are made with after-tax dollars, so there's no up-front tax savings; however, qualified withdrawals in retirement are tax-free. When should I make my 401(k) contributions? You need to make any 401(k) contributions by the end of the calendar year. However, the sooner you get the money into the account, the more time your money has to potentially grow. How much can you contribute if you have multiple 401(k) plans? If you have more than one employer and contribute to separate 401(k) plans during the year, the total employee contribution limit applies to you as an individual across all 401(k) plans you participate in during the year. For instance, if you contribute $15,000 to one company's 401(k) and $10,000 to a different company's 401(k) in 2025, your total employee contribution of $25,000 would exceed the $23,500 employee limit by $1,500. Although most 401(k) plans have safeguards to prevent excess contributions, it's your responsibility to monitor your total contributions for the year to ensure they don't surpass the contribution limit. What happens if you contribute more than the limit? Exceeding the annual contribution limit has specific tax implications. If you change jobs during the year and have more than one 401(k) plan you've contributed to that year or if you make a large contribution from a bonus early in the year you may be more at risk of overcontributing. If you contribute more than the employee limit, the excess amount, referred to as an excess deferral, could be considered taxable income during the year the contribution was made. Should you make an excess contribution, contact your plan administrator to determine how to correct it. Generally, you must remove the excess contribution, along with any earnings attributable to it, from your 401(k) plan by April 15 of the following year. How do employer contributions work? Many employers contribute to employees' retirement through a 401(k) match , nonelective contributions, or profit-sharing contributions. These contributions are distinct from your employee contributions, and do not count toward your annual employee elective deferral limit. They do, however, count toward the total amount that can be contributed to your 401(k). The total amount is known as the annual additions limit. What is the annual additions limit? The IRS sets an overall cap on the total amount that can go into your 401(k) each year, referred to as the annual additions limit. The annual additions limit includes all of the following combined: Your employee elective deferrals (traditional or Roth) Any employer matching contributions Employer nonelective or profit-sharing contributions After-tax contributions (if your plan allows them) The 2024 annual additions limit is $69,000; the 2025 annual additions limit is $70,000; and the 2026 annual additions limit is $72,000. You can also add to this limit the catch-up contributions related to your age. This limit is especially relevant for high earners, employees with generous employer contributions, and individuals using after-tax contributions or a mega backdoor Roth strategy. While most taxpayers will not reach the annual additions limit, understanding it can help you plan your retirement contributions more effectively—particularly if your plan allows additional after-tax savings beyond standard deferrals. Knowing your 401(k) contribution limits can help you plan Understanding 401(k) contribution limits can help you make informed decisions about your retirement savings. Reviewing your contributions annually helps ensure you're taking full advantage of potential tax benefits, staying within IRS rules, and positioning yourself for long-term financial security. Want more ways to save for retirement? More from Charles Schwab This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. Investing involves risk, including loss of principal. Diversification and automatic investing strategies do not ensure a profit and do not protect against losses in declining markets. This information is not a specific recommendation, individualized investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager, Estate Attorney) to help answer questions about specific situations or needs prior to taking any action based upon this information. Certain information presented herein may be subject to change. The information or material contained in this document may not be copied, assigned, transferred, disclosed or utilized without the express written approval of Schwab. For illustrative purpose(s) only. Individual situations will vary and are not the experience of any specific client. Not intended to be reflective of results you can expect to achieve. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. 0126-W56U
Markdown	Loading navigation Menu [401(k)](https://www.schwab.com/learn/topic/401k) # 401(k) Contribution Limits: 2024, 2025, and 2026 Learn the latest IRS 401(k) contribution limits (including catch-up and super catch-up rules) and how to plan contributions to maximize tax benefits. January 29, 2026•[Hayden Adams](https://www.schwab.com/learn/author/hayden-adams) ![](https://educationcontent.schwab.com/sites/g/files/eyrktu1071/files/NL_KitofParts_RothvsTraditional_33_2x1.jpg?im=SmartCrop%2Cwidth%3D900%2Cheight%3D600&imwidth=3840) *** ## Key takeaways - 401(k) contributions can be made as traditional contributions to a tax-deferred account or as Roth contributions to a Roth account. - Both you as an employee and your employer can make contributions to a 401(k) plan. - Catch-up contributions may allow qualified individuals age 50 and older to contribute even more. - Contribution limits—including catch-up and super catch-up limits—are adjusted periodically for inflation by the IRS. - If you contribute to multiple 401(k) plans, your combined contributions cannot exceed the annual limits. ## 401(k) contribution limits Annual [401(k)](https://www.schwab.com/learn/story/how-do-401ks-work-frequently-asked-questions) contribution limits are important to know because they define how much tax-advantaged money you can save in your 401(k) each year. They also provide a clear savings target that can help you plan your retirement contributions. When it comes to saving for retirement, maximizing your employer sponsored retirement plan contributions can be a powerful strategy for potentially growing your money over time, as well as helping you take advantage of some tax benefits. Ahead, we'll review the annual contribution limits, how they're determined, and other important considerations to keep in mind while tax planning. The tables below outline the annual employee elective deferral limits for workplace retirement plans. These limits apply to both traditional and Roth 401(k) contributions. Employer contributions do not count towards these limits. In addition to the standard contribution limits, each table provides [catch-up](https://www.schwab.com/learn/story/what-to-know-about-catch-up-contributions) and super catch-up limits for the corresponding tax year. Detailed catch-up rules—including qualifying ages and SECURE 2.0 requirements—are covered further ahead. ## 401(k) contribution limits\: 2024 \| Category \| Standard Contribution Limit \| Catch-up Contribution Limit \| Total Contribution Limit \| \|---\|---\|---\|---\| \| Under 50* \| \$23,000 \| N/A \| \$23,000 \| \| Age 50-59, 64+ \| \$23,000 \| \$7,500 \| \$30,500 \| \| Age 60-63 \| \$23,000 \| \$7,500 \| \$30,500 \| \Also applies to Roth 401(k), 457(b), and 403(b) plans. Source: IRS.gov ## 401(k) contribution limits\: 2025 \| Category \| Standard Contribution Limit \| Catch-up Contribution Limit \| Total Contribution Limit \| \|---\|---\|---\|---\| \| Under 50 \| \$23,500 \| N/A \| \$23,500 \| \| Age 50-59, 64+ \| \$23,500 \| \$7,500 \| \$31,000 \| \| Age 60-63 \| \$23,500 \| \$11,250 \| \$34,750 \| \* Also applies to Roth 401(k), 457(b), and 403(b) plans. Source: IRS.gov ## 401(k) contribution limits\: 2026 \| Category \| Standard Contribution Limit \| Catch-up Contribution Limit†* \| Total Contribution Limit \| \|---\|---\|---\|---\| \| Under 50 \| \$24,500 \| N/A \| \$24,500 \| \| Age 50-59, 64+ \| \$24,500 \| \$8,000 \| \$32,500 \| \| Age 60-63 \| \$24,500 \| \$11,250 \| \$35,750 \| \Also applies to Roth 401(k), 457(b), and 403(b) plans. †Note: Beginning on January 1, 2026, workers who are 50 (by December 31) or older who earned more than \$150,000 in FICA wages in the prior year will need to make any catch-up contributions on a Roth basis, per a provision within SECURE 2.0 Act. Source: IRS.gov ## Want more ways to save for retirement? [See how an IRA can help](https://www.schwab.com/ira) * ## How are 401(k) contribution limits determined? Each year, the Internal Revenue Service (IRS) is responsible for setting 401(k) contribution limits. The annual adjustments are typically based on inflation and other factors impacting the economy, ensuring the limits remain relevant to current economic conditions. Typically, new contribution limits for the upcoming year are announced in late fall. ## How much should you contribute to your 401(k)? Maximizing your 401(k) contributions, if you can, is one of the most effective ways to build long-term financial security. By contributing up to the annual IRS limits, your investments can experience tax-advantaged compound growth—and the earlier you start, the more time your money has to potentially grow. One way to consistently reach the maximum 401(k) contribution limit each year is by calculating the monthly (or per-paycheck) amount needed to reach the annual limit and then set up automated contributions in your 401(k) plan. Having [automated contributions](https://www.schwab.com/learn/story/automate-saving-and-investing-save-invest-repeat) makes it easier to save since the funds are deducted automatically from your paycheck, and you can gradually increase your percentage each year to stay on track. If contributing the full IRS limit isn't realistic, aim for what you can, starting with at least enough to capture your company match. A good contribution target is 10%–15% of your take-home pay. ## Traditional 401(k) vs. Roth 401(k) contributions Many employers now allow you to choose between making your 401(k) contributions to a traditional 401(k) or a Roth 401(k) plan. With a traditional 401(k), your contributions are made tax-free, allowing you to reduce your tax bill this year. You will, however, pay ordinary income taxes on the pre-tax contributions and growth when you make a qualified withdrawal in retirement. With a Roth 401(k), your Roth contributions are made with after-tax dollars, so there's no up-front tax savings; however, qualified withdrawals in retirement are tax-free. ## When should I make my 401(k) contributions? You need to make any 401(k) contributions by the end of the calendar year. However, the sooner you get the money into the account, the more time your money has to potentially grow. ## How much can you contribute if you have multiple 401(k) plans? If you have more than one employer and contribute to separate 401(k) plans during the year, the total employee contribution limit applies to you as an individual across all 401(k) plans you participate in during the year. For instance, if you contribute \$15,000 to one company's 401(k) and \$10,000 to a different company's 401(k) in 2025, your total employee contribution of \$25,000 would exceed the \$23,500 employee limit by \$1,500. Although most 401(k) plans have safeguards to prevent excess contributions, it's your responsibility to monitor your total contributions for the year to ensure they don't surpass the contribution limit. ## What happens if you contribute more than the limit? Exceeding the annual contribution limit has specific tax implications. If you [change jobs](https://www.schwab.com/learn/story/changing-jobs-should-you-roll-over-your-401k) during the year and have more than one 401(k) plan you've contributed to that year or if you make a large contribution from a bonus early in the year you may be more at risk of overcontributing. If you contribute more than the employee limit, the excess amount, referred to as an excess deferral, could be considered taxable income during the year the contribution was made. Should you make an excess contribution, contact your plan administrator to determine how to correct it. Generally, you must remove the excess contribution, along with any earnings attributable to it, from your 401(k) plan by April 15 of the following year. ## How do employer contributions work? Many employers contribute to employees' retirement through a [401(k) match](https://www.schwab.com/learn/story/401k-match), nonelective contributions, or profit-sharing contributions. These contributions are distinct from your employee contributions, and do not count toward your annual employee elective deferral limit. They do, however, count toward the total amount that can be contributed to your 401(k). The total amount is known as the annual additions limit. ## What is the annual additions limit? The IRS sets an overall cap on the total amount that can go into your 401(k) each year, referred to as the annual additions limit. The annual additions limit includes all of the following combined: - Your employee elective deferrals (traditional or Roth) - Any employer matching contributions - Employer nonelective or profit-sharing contributions - After-tax contributions (if your plan allows them) The 2024 annual additions limit is \$69,000; the 2025 annual additions limit is \$70,000; and the 2026 annual additions limit is \$72,000. You can also add to this limit the catch-up contributions related to your age. This limit is especially relevant for high earners, employees with generous employer contributions, and individuals using after-tax contributions or a mega backdoor Roth strategy. While most taxpayers will not reach the annual additions limit, understanding it can help you plan your retirement contributions more effectively—particularly if your plan allows additional after-tax savings beyond standard deferrals. ## Knowing your 401(k) contribution limits can help you plan Understanding 401(k) contribution limits can help you make informed decisions about your retirement savings. Reviewing your contributions annually helps ensure you're taking full advantage of potential tax benefits, staying within IRS rules, and positioning yourself for long-term financial security. * ## Want more ways to save for retirement? [See how an IRA can help](https://www.schwab.com/ira) * ## More from Charles Schwab [![](https://educationcontent.schwab.com/sites/g/files/eyrktu1071/files/MA_Diversify-Portfolio-1-trueblue_1x1.jpg?imwidth=3840)Target Date Funds' Benefits Article \\| Mar 4, 2026](https://www.schwab.com/learn/story/target-date-funds-wealth-accumulation-made-simple) [![Illustration of an investor placing money into a egg full of savings](https://educationcontent.schwab.com/sites/g/files/eyrktu1071/files/FD_S21E2_1x1.jpeg?imwidth=3840)Why the 401(k) is Crucial to Saving Podcast \\| Mar 2, 2026](https://www.schwab.com/learn/story/why-is-401k-crucial-to-retirement-saving) [![](https://educationcontent.schwab.com/sites/g/files/eyrktu1071/files/AdobeStock_112562333_2x1.jpg?im=SmartCrop%2Cwidth%3D368%2Cheight%3D368&imwidth=3840)401(k)—Scam or Smart Move? Article \\| Feb 4, 2026](https://www.schwab.com/learn/story/why-401k-is-smart-move-not-scam) ## Explore more topics - [Retirement](https://www.schwab.com/learn/topic/retirement) - [401(k)](https://www.schwab.com/learn/topic/401k) This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. Investing involves risk, including loss of principal. Diversification and automatic investing strategies do not ensure a profit and do not protect against losses in declining markets. This information is not a specific recommendation, individualized investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager, Estate Attorney) to help answer questions about specific situations or needs prior to taking any action based upon this information. Certain information presented herein may be subject to change. The information or material contained in this document may not be copied, assigned, transferred, disclosed or utilized without the express written approval of Schwab. For illustrative purpose(s) only. Individual situations will vary and are not the experience of any specific client. Not intended to be reflective of results you can expect to achieve. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. 0126-W56U Investment and Insurance Products Are: Not FDIC Insured • Not Insured by Any Federal Government Agency • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or any of its Affiliates • Subject to Investment Risks, Including Possible Loss of Principal Amount Invested The Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. Its broker-dealer subsidiary, Charles Schwab & Co. Inc. ([Member SIPC](http://www.sipc.org/)), and its affiliates offer investment services and products. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. This site is designed for U.S. residents. Non-U.S. residents are subject to country-specific restrictions. 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Readable Markdown	## Key takeaways 401(k) contributions can be made as traditional contributions to a tax-deferred account or as Roth contributions to a Roth account. Both you as an employee and your employer can make contributions to a 401(k) plan. Catch-up contributions may allow qualified individuals age 50 and older to contribute even more. Contribution limits—including catch-up and super catch-up limits—are adjusted periodically for inflation by the IRS. If you contribute to multiple 401(k) plans, your combined contributions cannot exceed the annual limits. 401(k) contribution limits Annual [401(k)](https://www.schwab.com/learn/story/how-do-401ks-work-frequently-asked-questions) contribution limits are important to know because they define how much tax-advantaged money you can save in your 401(k) each year. They also provide a clear savings target that can help you plan your retirement contributions. When it comes to saving for retirement, maximizing your employer sponsored retirement plan contributions can be a powerful strategy for potentially growing your money over time, as well as helping you take advantage of some tax benefits. Ahead, we'll review the annual contribution limits, how they're determined, and other important considerations to keep in mind while tax planning. The tables below outline the annual employee elective deferral limits for workplace retirement plans. These limits apply to both traditional and Roth 401(k) contributions. Employer contributions do not count towards these limits. In addition to the standard contribution limits, each table provides [catch-up](https://www.schwab.com/learn/story/what-to-know-about-catch-up-contributions) and super catch-up limits for the corresponding tax year. Detailed catch-up rules—including qualifying ages and SECURE 2.0 requirements—are covered further ahead. ## 401(k) contribution limits\: 2024 \| Category \| Standard Contribution Limit \| Catch-up Contribution Limit \| Total Contribution Limit \| \|---\|---\|---\|---\| \| Under 50* \| \$23,000 \| N/A \| \$23,000 \| \| Age 50-59, 64+ \| \$23,000 \| \$7,500 \| \$30,500 \| \| Age 60-63 \| \$23,000 \| \$7,500 \| \$30,500 \| \Also applies to Roth 401(k), 457(b), and 403(b) plans. Source: IRS.gov ## 401(k) contribution limits\: 2025 \| Category \| Standard Contribution Limit \| Catch-up Contribution Limit \| Total Contribution Limit \| \|---\|---\|---\|---\| \| Under 50 \| \$23,500 \| N/A \| \$23,500 \| \| Age 50-59, 64+ \| \$23,500 \| \$7,500 \| \$31,000 \| \| Age 60-63 \| \$23,500 \| \$11,250 \| \$34,750 \| \* Also applies to Roth 401(k), 457(b), and 403(b) plans. Source: IRS.gov ## 401(k) contribution limits\: 2026 \| Category \| Standard Contribution Limit \| Catch-up Contribution Limit†* \| Total Contribution Limit \| \|---\|---\|---\|---\| \| Under 50 \| \$24,500 \| N/A \| \$24,500 \| \| Age 50-59, 64+ \| \$24,500 \| \$8,000 \| \$32,500 \| \| Age 60-63 \| \$24,500 \| \$11,250 \| \$35,750 \| \Also applies to Roth 401(k), 457(b), and 403(b) plans. †Note: Beginning on January 1, 2026, workers who are 50 (by December 31) or older who earned more than \$150,000 in FICA wages in the prior year will need to make any catch-up contributions on a Roth basis, per a provision within SECURE 2.0 Act. Source: IRS.gov Want more ways to save for retirement? * How are 401(k) contribution limits determined? Each year, the Internal Revenue Service (IRS) is responsible for setting 401(k) contribution limits. The annual adjustments are typically based on inflation and other factors impacting the economy, ensuring the limits remain relevant to current economic conditions. Typically, new contribution limits for the upcoming year are announced in late fall. How much should you contribute to your 401(k)? Maximizing your 401(k) contributions, if you can, is one of the most effective ways to build long-term financial security. By contributing up to the annual IRS limits, your investments can experience tax-advantaged compound growth—and the earlier you start, the more time your money has to potentially grow. One way to consistently reach the maximum 401(k) contribution limit each year is by calculating the monthly (or per-paycheck) amount needed to reach the annual limit and then set up automated contributions in your 401(k) plan. Having [automated contributions](https://www.schwab.com/learn/story/automate-saving-and-investing-save-invest-repeat) makes it easier to save since the funds are deducted automatically from your paycheck, and you can gradually increase your percentage each year to stay on track. If contributing the full IRS limit isn't realistic, aim for what you can, starting with at least enough to capture your company match. A good contribution target is 10%–15% of your take-home pay. ## Traditional 401(k) vs. Roth 401(k) contributions Many employers now allow you to choose between making your 401(k) contributions to a traditional 401(k) or a Roth 401(k) plan. With a traditional 401(k), your contributions are made tax-free, allowing you to reduce your tax bill this year. You will, however, pay ordinary income taxes on the pre-tax contributions and growth when you make a qualified withdrawal in retirement. With a Roth 401(k), your Roth contributions are made with after-tax dollars, so there's no up-front tax savings; however, qualified withdrawals in retirement are tax-free. When should I make my 401(k) contributions? You need to make any 401(k) contributions by the end of the calendar year. However, the sooner you get the money into the account, the more time your money has to potentially grow. How much can you contribute if you have multiple 401(k) plans? If you have more than one employer and contribute to separate 401(k) plans during the year, the total employee contribution limit applies to you as an individual across all 401(k) plans you participate in during the year. For instance, if you contribute \$15,000 to one company's 401(k) and \$10,000 to a different company's 401(k) in 2025, your total employee contribution of \$25,000 would exceed the \$23,500 employee limit by \$1,500. Although most 401(k) plans have safeguards to prevent excess contributions, it's your responsibility to monitor your total contributions for the year to ensure they don't surpass the contribution limit. What happens if you contribute more than the limit? Exceeding the annual contribution limit has specific tax implications. If you [change jobs](https://www.schwab.com/learn/story/changing-jobs-should-you-roll-over-your-401k) during the year and have more than one 401(k) plan you've contributed to that year or if you make a large contribution from a bonus early in the year you may be more at risk of overcontributing. If you contribute more than the employee limit, the excess amount, referred to as an excess deferral, could be considered taxable income during the year the contribution was made. Should you make an excess contribution, contact your plan administrator to determine how to correct it. Generally, you must remove the excess contribution, along with any earnings attributable to it, from your 401(k) plan by April 15 of the following year. How do employer contributions work? Many employers contribute to employees' retirement through a [401(k) match](https://www.schwab.com/learn/story/401k-match), nonelective contributions, or profit-sharing contributions. These contributions are distinct from your employee contributions, and do not count toward your annual employee elective deferral limit. They do, however, count toward the total amount that can be contributed to your 401(k). The total amount is known as the annual additions limit. What is the annual additions limit? The IRS sets an overall cap on the total amount that can go into your 401(k) each year, referred to as the annual additions limit. The annual additions limit includes all of the following combined: Your employee elective deferrals (traditional or Roth) Any employer matching contributions Employer nonelective or profit-sharing contributions After-tax contributions (if your plan allows them) The 2024 annual additions limit is \$69,000; the 2025 annual additions limit is \$70,000; and the 2026 annual additions limit is \$72,000. You can also add to this limit the catch-up contributions related to your age. This limit is especially relevant for high earners, employees with generous employer contributions, and individuals using after-tax contributions or a mega backdoor Roth strategy. While most taxpayers will not reach the annual additions limit, understanding it can help you plan your retirement contributions more effectively—particularly if your plan allows additional after-tax savings beyond standard deferrals. Knowing your 401(k) contribution limits can help you plan Understanding 401(k) contribution limits can help you make informed decisions about your retirement savings. Reviewing your contributions annually helps ensure you're taking full advantage of potential tax benefits, staying within IRS rules, and positioning yourself for long-term financial security. * Want more ways to save for retirement? * More from Charles Schwab This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. Investing involves risk, including loss of principal. Diversification and automatic investing strategies do not ensure a profit and do not protect against losses in declining markets. This information is not a specific recommendation, individualized investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager, Estate Attorney) to help answer questions about specific situations or needs prior to taking any action based upon this information. Certain information presented herein may be subject to change. The information or material contained in this document may not be copied, assigned, transferred, disclosed or utilized without the express written approval of Schwab. For illustrative purpose(s) only. Individual situations will vary and are not the experience of any specific client. Not intended to be reflective of results you can expect to achieve. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. 0126-W56U
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