Retirement tax questions

The 401k contribution rules have nothing to do with IRAs, they are controlled by completely separate laws and rules.

 

For 2024, you can contribute up to $23,000 to a 401k by salary deferral, or $30,500 if you are age 50 or over.  The maximum total contribution to a 401k, including employer match, is $69,000.

 

If your employer offers a designated Roth option within the 401k, the same limits apply.  However, any employer match must be contributed to a traditional pre-tax 401k account.

 

Whether you can also make Roth IRA contributions, or make deductible contributions to a pre-tax IRA, depends on your filing status, income, and participation in a workplace place, and the limits are here.

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-li...