401(k) Contribution Strategies for 2025

Maximize your 401(k) contributions in 2025. Learn about contribution limits ($23,500), employer matching, Roth vs Traditional, and tax-saving strategies.

2025 401(k) Limits

• Employee contribution limit: $23,500 (under 50) / $31,000 (50 and over).
• Total limit (employee + employer): $70,000.
• Traditional 401(k): Contributions reduce your taxable income now; taxed on withdrawal.
• Roth 401(k): Contributions are after-tax; qualified withdrawals are tax-free.

Always contribute at least enough to get the full employer match — it's essentially free money.