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years
$
$
▾
$
$
$10,500Remaining 401(k) room this year
Total room (401(k) + IRA)
$18,000
Room in the deferral cap
$10,500
Catch-up you are eligible for
$11,750
Remaining IRA room
$7,500
Combined 401(k) limit
$37,250
Employee deferral cap
$25,500
IRA cap
$7,500

Room is what is left of the cap after your year-to-date contributions. If your prior-year FICA wages exceed the Roth threshold and your plan has no Roth, your catch-up is blocked and shown as zero above.

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