Federal Contribution Limits 2025. The increase also applies to private sector retirement accounts like the 401 (k), 403 (b) and 457 plans. This contribution limit is across all of your iras.

The 2025 contribution limit to the thrift savings plan is increasing to $23,500 per year, an increase of 2.2% over the 2024 annual limit ($23,000), according to an announcement from the internal revenue service. Starting in 2025, employees can contribute up to $23,500 into their 401 (k) and 403 (b) plans, most 457 plans, and the thrift savings plan for federal employees, the irs announced nov.