2025 Simple Ira Contribution Limits Catch Up. For those who use simplified employee pension (sep) iras or simple iras, the 2025 contribution limits are as. The 2024 simple ira contribution limit for employees is $16,000.

The simple ira contribution limit has increased to $16,500, up from $16,000 in 2024. For 2025, the regular elective deferral limit increases to.