401k 2025 Contribution Limit Catch Up Over 50

401k 2025 Contribution Limit Catch Up Over 50. If you’re age 50 or older, you get to benefit from higher contribution limits to help your retirement accounts catch up. In 2025, for people under 50 years old, this limit is $23,000,.

That means a total of $30,500 can be contributed. In 2025, you’re able to contribute an additional $7,500 to a 401 (k) each year, so long as you’ve made your contributions by the end of the calendar year.