401k Contribution Limits 2025 Catch Up Married Filing Jointly. 62 or 63 in 2025. If you’re married and filing jointly in 2025, your magi must be lower than $236,000 to make a full roth ira contribution.

Each spouse can contribute up to $23,000 in their 401(k) account for 2024, or up to $46,000 as a couple. Married couples filing jointly must decide how much they will contribute to their respective retirement accounts to avoid exceeding the irs contribution limit.