• 401(k), 403(b), governmental 457 plans, and the federal government’s Thrift Savings Plan are increased to $23,500, up from $23,000. There is a catch-up allowed for taxpayers over 50 of $7,500. For those aged 60-63 who participate in these plans, the catch up is $11,250. The deadline is December 31, 2025

• 401(K) with Profit Sharing maximum is $23,500, 401(K) + catch-up if over 50 years old, plus $39,000 to the Profit Sharing component. The deadline for the profit-sharing contribution is March 15, 2026

• Traditional & ROTH IRA remains at $7,000 with $1,000 catch-up available for taxpayers over 50. The deadline is April 15, 2026

• SEP IRA contribution limit is $70,000 (25% of eligible compensation maximum). The deadline is April 15, 2026

 

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