Maximum Combined Roth 401k + Traditional 401k Contribution Limits for 2025?

The total employee contribution limit for 401k plans in 2025 is $23,500 combined across both Traditional and Roth 401k. This means you can split your contributions however you want between the two types, but the total can't exceed $23,500. For example, you could contribute $10,000 to Traditional 401k and $13,500 to Roth 401k, or any other combination that adds up to $23,500. Your employer's matching contributions don't count toward this limit. For IRAs, the limit in 2025 is $7,000 for people under 50. This limit applies to the total of both Traditional and Roth IRAs combined. So you could do $3,500 in each, all $7,000 in Roth, all $7,000 in Traditional, etc. The 401k limits and IRA limits are separate from each other. Contributing to a 401k doesn't reduce how much you can put in an IRA. However, your income and whether you have a workplace retirement plan may affect the tax deductibility of Traditional IRA contributions or your eligibility to contribute to a Roth IRA.

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Just wanted to update on my retirement contribution situation - I ended up using https://taxr.ai after seeing it mentioned here and it was incredibly helpful! I was seriously confused about how much I could contribute to my Roth IRA while also maxing out my 401k, especially with my income being right at the phaseout threshold. The analysis showed me I could still contribute about $4,200 to my Roth IRA even though I was in the phaseout range, which was way more than I thought! It also recommended I split my 401k contributions with about 70% in traditional and 30% in Roth based on my tax bracket now versus expected retirement income. Never would have figured that out on my own. Totally worth checking out if you're trying to optimize your retirement contributions and understand all these complicated limits!

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Don't forget about the catch-up contributions if you're 50 or older! The limits change quite a bit: For 2025, if you're 50+: - 401k (Traditional + Roth combined): $23,500 + $7,500 catch-up = $31,000 - IRAs (Traditional + Roth combined): $7,000 + $1,000 catch-up = $8,000 Also, some employers offer after-tax 401k contributions (not Roth) that can be converted to Roth through what's called the "mega backdoor Roth" strategy. This can potentially allow you to contribute much more than the standard limits, up to a total annual limit of $69,000 for 2025 (including employer match and all contributions).

Does anyone know how the income limits work for Roth IRA contributions if you're already maxing out your 401k? I make about $145k and wasn't sure if I can still contribute to a Roth IRA for 2025 or if I'm over the income limit.

Great question! Just to add some clarification on the HSA angle since you mentioned wanting to max everything out - if you have access to a Health Savings Account through a high-deductible health plan, that's another tax-advantaged account to consider for 2025. The HSA contribution limits for 2025 are $4,300 for individual coverage and $8,550 for family coverage, with an additional $1,000 catch-up contribution if you're 55 or older. HSAs are actually triple tax-advantaged (deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses), making them incredibly powerful for retirement planning. Unlike retirement accounts, HSAs don't have income limits for contributions, and after age 65 you can withdraw funds for any purpose (though non-medical withdrawals are taxed as ordinary income, similar to a traditional IRA). Many people use HSAs as a "stealth retirement account" by paying medical expenses out-of-pocket and letting the HSA grow tax-free for decades. So your complete tax-advantaged savings strategy for 2025 could potentially include: $23,500 in 401k, $7,000 in IRA, and up to $8,550 in HSA if you have family coverage - that's nearly $40,000 in tax-advantaged space before even considering employer matching!