401(k) contribution planner, 2025
This works out one number from the 401(k) Contribution Limit figures published for 2025. Every amount it uses is below, with the document it was read from. What you enter is your own: this site has no way to check it, and the answer it produces is not a published figure.
Effective 2025-01-01Source: Notice 2024-80 (IRS)Verified 2026-09-01
How it is worked out
The published base limit, plus the published catch-up amount if you are eligible for it, less what you enter as contributed so far. Both published amounts are exact, so only your own figure is rounded, to the nearest cent. Where you have already contributed more than the limit allows, the answer is nothing rather than a negative amount.
It uses Elective deferral, $23,500, published above.
Which catch-up applies to you, from the 2 this year publishes: Age 50 catch-up (+$7,500), Age 60 through 63 catch-up (+$11,250). The calculator uses the one you pick and says which.
Figures in this colour are computed from the amounts above. They are not published figures and no document states them.
Work it out
The live calculator needs JavaScript. The table below covers common amounts and is computed the same way.
Worked out for common amounts
| What you have contributed so far this year | Age 50 catch-up | Age 60 through 63 catch-up |
|---|---|---|
| 0 | $31,000 | $34,750 |
| 5,000 | $26,000 | $29,750 |
| 10,000 | $21,000 | $24,750 |
| 20,000 | $11,000 | $14,750 |
How each figure was verified
Each number below was read from a stored copy of the document named beside it, and checked to occur word for word in the quoted sentence. The digest is of that stored text.
Notice 2024-80 (IRS)
- Elective deferral
The limitation under section 402(g)(1) on the exclusion for elective deferrals described in section 402(g)(3), which includes elective deferrals made to the Thrift Savings Plan, is increased from $23,000 to $23,500.
- Age 50 catch-up
The limitation under section 414(v)(2)(B)(i) for catch-up contributions to an applicable employer plan other than a plan described in section 401(k)(11) or section 408(p) that generally applies for individuals aged 50 or over remains $7,500.
- Age 60 through 63 catch-up
The limitation under section 414(v)(2)(E)(i) for catch-up contributions to an applicable employer plan other than a plan described in section 401(k)(11) or section 408(p) that applies for individuals who attain age 60, 61, 62, or 63 in 2025 is $11,250.
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