The limit for employee contributions into a 401(k) plan is $23,500 for the 2025 calendar year.
The catch-up limit for participants aged 50 to 59, and aged 64+, is an additional $7,500, for a total of $31,000.
The catch-up limit for participants aged 60 to 63 is an additional $11,250, for a total of $34,750.
if you participate in a 403(b) plan, the deferral limits are identical to the 401(k) limits.
The limits apply January 1st - December 31st, regardless of the year-end of the plan.
The limits apply to any and all contributions to a 401(k) plan, even if you participate in multiple active 401(k) plans.
However, these are not the same limits for IRA or Roth IRA accounts. The limits for IRAs are separate and do not effect the limits of your 401(k) plan.
The limits apply to the combined total of both pre-tax and Roth employee contributions.