Max Out Your 2025: Updated Retirement Contribution Limits

Welcome to 2025, stranger! It’s me again, popping back into your life with another exciting update about maximum retirement contributions! (Hold your applause). Honestly, I reference these numbers way too often myself, so I figured, why not make it easier for both of us and just post them here?

Disclaimer: Look, I’m not a financial wizard, guru, or anything even remotely resembling someone with official credentials. Just a guy with a keyboard, a dream, and a calculator. Please double-check this info and chat with a certified financial advisor before making any big money moves.

Time to Dive in - Max Retirement Amounts

Retirement Account	2024 Max	2025 Max	Amount Increase
Roth IRA / Traditional IRA	$7,000	$7,000	$0
HSA - Individual (Self-only)	$4,150	$4,300	$150
HSA - Family Coverage	$8,300	$8,550	$250
401(k) Deferral	$23,000	$23,500	$500
401(k) Annual Additions	$69,000	$70,000	$1,000
IRA Catch-Up	$1,000	$1,000	$0
HSA Catch-Up (55+)	$1,000	$1,000	$0
401(k) Catch-Up (50+)	$7,500	$7,500	$0

A few increases and others… not so much. Looking at you, Roth IRA!

Data Source

My Math and English professor’s would be proud. Take a look at my citations:

• Schwab - 2024-2025 Roth IRA Contribution Limits
• Fidelity - HSA contribution limits and eligibility rules for 2024 and 2025
• IRS - 401(k) limit increases to $23,500 for 2025, IRA limit remains $7,000
• Fidelity - Stay informed: IRS limits

Paycheck Math Time

Let’s crunch a few numbers because, hey, math is cheaper than therapy.

2024 Total: $34,150 for your IRA, HSA (Self), and 401(k)

• About $1,422.92 per paycheck if you’re getting paid twice a month
• About $1,313.46 per paycheck if you’re paid every two weeks

2025 Total: $34,800 for your IRA, HSA (Self), and 401(k)

• $1,450 semi-monthly
• About $1,338.46 bi-weekly

Saving for your future is important — very important. But don’t forget the true treasures in life: your time, your passions, your health, your family, and, of course, the perfect cup of coffee on a lazy Sunday morning.

Invest wisely, live fully.

Cheers,
Jeremiah