Roth 401k and annual limits?
9/3/2025 11:26am
The annual limits for Roth 401(k) contributions are as follows:
1. **Roth 401(k) Contribution Limits**:
- For 2023, the Roth 401(k) contribution limit was $22,500.
- For 2024, the limit increased to $23,000.
- For 2025, the limit further increased to $23,500.
2. **Catch-Up Contributions**:
- For those aged 50 or older, an additional $7,500 can be contributed in 2023, 2024, and 2025.
- For those aged 60 to 63, the catch-up contribution expands to $11,250 in 2025 if the plan allows.
3. **Employer and Employee Combined Contributions**:
- The combined limit for employee and employer contributions is $66,000 for 2023, $69,000 for 2024, and $70,000 for 2025.
- With the catch-up contribution, the limit for employee contributions increases to $30,000 in 2023, $30,500 in 2024, and $31,500 in 2025 for those aged 50 or older.
These limits are subject to change annually based on IRS determinations. It's important to note that these limits apply to the total contributions made to both Roth 401(k) and traditional 401(k) plans, if applicable, to avoid exceeding the annual employee contribution limit.