401(k) & IRA Catch-Up Contributions 2024 401(k)s: $23,000 from $22,500 IRA catch‑up contribution limits for individuals aged 50+: Amended to include an annual cost‑of‑living adjustment but remains at $1,000 Source: IRS "Tax-advantaged retirement accounts allow investors’ assets to grow without the tax friction experienced in typical brokerage accounts.