What Is The 401k Limit For 2025 Married Filing Jointly. Married couples filing jointly, when both are covered by a workplace retirement plan, can deduct up to the limit for income below $109,000 in 2022. Those 50 and older can contribute an additional $7,500.
But if your spouse has earned income, you can contribute to a spousal ira (just remember you must file your taxes as married filing jointly). 401 (k) contribution limits for 2025.