401k Limits 2025 Include Employer Match Fund

401k Limits 2025 Include Employer Match Fund. The total overall 401 (k) contribution limit for 2025, which includes employer matching contributions and nonelective contributions, is $69,000. Your employer match will only be $17,250, though, instead of the full $25,000, or 5%.

If you contribute, say, $23,000 toward your 401(k) in 2025 and your employer adds $5,000, you’re still within the irs limits. The 401 (k) contribution limit for 2025 is $23,000 for employee contributions, and $69,000 for the combined employee and employer contributions.