US Retirement Contribution Limits Estimator
Select Your Details
Select the tax year, your age, and the type of retirement plan to see the estimated contribution limits.
Limits provided for Tax Years 2023, 2024, and 2025 based on current IRS data.
Enter your age as of December 31st of the tax year.
Estimated Contribution Limits
Select your details in the other tab and click "Estimate Limits".
Note on Retirement Contribution Limits (U.S. Federal):
- Limits change annually and are subject to cost-of-living adjustments.
- Catch-up contributions are for individuals age 50 or older by the end of the tax year.
- **Income Limitations:** Eligibility to **deduct** Traditional IRA contributions and **contribute** to a Roth IRA are subject to Modified Adjusted Gross Income (MAGI) phase-outs, which vary by filing status and year. This tool does NOT calculate income limitations.
- **Employer Contributions:** Limits on employer contributions (e.g., for 401(k), SEP, Solo 401(k)) depend on compensation rules and the specific plan document. SEP and Solo 401(k) employer contributions are often limited to 25% of net adjusted self-employment income (for self-employed) or W-2 compensation (for employees of own corporation), up to the annual dollar limit.
- This tool provides the standard and catch-up **dollar limits** for selected plan types for the specified years. It does not account for plan-specific rules, compensation limits, or income phase-outs.