Retirement Plan Contribution Limits

Contributions to retirement savings plans are subject to annual limits under federal tax laws, which may change every Jan. 1.

If you’re eligible for multiple retirement plans, there’s a cap on the combined amount that you can contribute through payroll deductions. The IRS sets and enforces these limits, which are summarized below.

Summary of Contribution Limits
Additional details and aggregation limits are detailed in the sections following the chart.

Description 2024 2025
Employee contributions to each IU supplemental retirement plan (pre-tax and Roth contributions combined) $23,000 $23,500
Age 50 and older catch-up limit $7,500 $7,500

This information is based on the university’s current understanding of complex Internal Revenue Code (IRC) and U.S. Treasury Department regulations. The university does not provide tax advice and it is the responsibility of the individual to comply with federal limits. Questions or concerns regarding these limits, should be addressed to a qualified tax adviser.

For questions about IU-sponsored retirement plans, email askHR@iu.edu or call (812) 856-1234.

Take Action

Change your contribution type or amount at any time.

Learn about the Roth option.

Learn how to roll funds from your existing retirement accounts into your IU accounts.