401k 2025 Maximum Contribution Over 50. The contribution limit on individual retirement accounts will increase by $500 in 2025, from $6,500 to $7,000. The contribution limit for simple 401 (k)s is $16,000 (up to $19,500 if you're 50 or older).

So, for those individuals, the total 401 (k) contribution cap. Savers will be able to contribute as much as $23,000 in 2025 to a 401(k), up from $22,500 in 2023, an increase of $500 from 2023.