Ira 2025 Contribution Limit Catch Up. The internal revenue service (irs) has announced the 2025 ira contribution limits will remain unchanged from 2024. The 2025 catch‑up contribution limit for individuals aged 50 and over will stay at $1,000, the same rate from 2024.

In particular, participants can now elect to defer up to $23,500 to 401(k), 403(b), and 457(b) plans in 2025 compared to $23,000 in 2024. For individuals under the age of 50,.