Maximum Contributions – Maximum Benefits
IRA/HSA CONTRIBUTION LIMITS
The tax benefits of these accounts make increased contributions a smart idea. Here are the maximum amounts you can contribute.
| Traditional IRA/Roth IRA Contribution Limits* | 2024 | 2025 |
|---|---|---|
| Up to age 50 | $7,000 | $7,000 |
| Catch Up Contributions Provision Age 50+ | $1,000 | $1,000 |
| Traditional IRA Deductibility Modified Adjusted Gross Income Limit Phase-Out Ranges*† | 2024 | 2025 |
|---|---|---|
| Single or Head of Household - Active Participant | $77,000 - $87,000 | $79,000 - $89,000 |
| Married Active Participant Filing Joint | $123,000 - $143,000 | $126,000 - $146,000 |
| Married Active Participant Filing Separate | Less than $10,000 | Less than $10,000 |
| Roth IRA Contribution Limits Modified Adjusted Gross Income Phase-Out Ranges* | 2024 | 2025 |
|---|---|---|
| Single or Head of Household | $146,000 - $161,000 | $150,000 - $165,000 |
| Married Filing Joint Tax Return | $230,000 - $240,000 | $236,000 - $246,000 |
| Married Filing Separate Tax Return | Less than $10,000 | Less than $10,000 |
| Individual Elective Deferral Contribution Limits 401(k), 403(b) & Profit-Sharing Plans* | 2024 | 2025 |
|---|---|---|
| Up to age 50 | $23,000 | $23,500 |
| Catch Up Contributions Provision Age 50+ | $7,500 | $7,500 |
| Defined Contribution Limits | $69,000 | $70,000 |
| SEP IRA Contribution Limits* | 2024 | 2025 |
|---|---|---|
| SEP IRA Contribution Limits | $69,000 | $70,000 |
| Health Savings Account* | 2024 | 2025 |
|---|---|---|
| Single | $4,150 | $4,300 |
| Family | $8,300 | $8,550 |
| Catch Up Contributions Provision Age 55+ | $1,000 | $1,000 |
| IRS COLA Adjustments* |
|---|
| Select to view COLA Increases for Dollar Limitations on Benefits and Contributions |
| Roth MAGI Limits* |
|---|
| Select to view Amount of Roth IRA Contributions That You Can Make for 2023 |
| Amount of Roth IRA Contributions That You can Make for 2024 |
| IRA Deductibility* |
|---|
| Select to view IRA Contribution Limits |
*For specific tax advice or, to determine qualifications, eligibility, and/or contribution limits, etc., please consult a tax professional and/or the IRS.
†If you are covered by a retirement plan at work.
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