Yes, you can contribute to both a Roth IRA and a 401(k) in the same year, provided you meet the eligibility criteria for each account. In 2025, the contribution limits are $7,000 for a Roth IRA (or $8,000 if you’re 50 or older) and $23,500 for a 401(k), with additional catch-up contributions allowed for those aged 50 and above. NerdWallet+5Investopedia+5NerdWallet+5NerdWallet
If you cannot maximize contributions to both accounts, it’s advisable to contribute enough to your 401(k) to receive the full employer match, as this is essentially free money. After securing the employer match, consider contributing to a Roth IRA, which often offers a broader range of investment options and potentially lower fees compared to some 401(k) plans. NerdWallet
It’s important to note that Roth IRA contributions are subject to income limits. For 2025, single filers with a modified adjusted gross income (MAGI) below $150,000 and married couples filing jointly with a MAGI below $236,000 can make full contributions. NerdWallet
Additionally, many employers now offer Roth 401(k) options, allowing after-tax contributions with tax-free withdrawals in retirement. This can be beneficial if you anticipate being in a higher tax bracket during retirement. Combining contributions to both Roth and traditional accounts can provide tax diversification, offering flexibility in managing taxable income during retirement. NerdWallet