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Retirement tax questions
An employer plan (401k, 403b, etc) is NOT an IRA, and the contribution rules are completely separate. For 2025, the limit for elective salary deferral (your contribution) to a qualified workplace plan is $23,500, or $31,000 if you are over age 50. The limit for all qualified plan contributions (employee plus employer) is $70,000. It does not matter how you split this workplace contribution between pre-tax and after-tax (Roth account).
Those limits are completely separate from IRA limits. If you are under the income threshold for a Roth IRA, you can max out out your workplace plan (pre-tax or Roth) AND max out your Roth IRA. If you are over the income threshold for a Roth IRA contribution, you can still contribute the maximum through your qualified workplace plan.