Married 401k Contribution Limits 2025

Married 401k Contribution Limits 2025. The total employee contribution limit to all 401 (k) and 403 (b) plans for those under 50 will be going up from $23,000 in 2024 to $23,500 in 2025. If you are married and filing jointly and you and your spouse both have workplace retirement plans, the spouse making the ira contribution must have less than $126,000 to.

For savers looking to max out 401 (k) contributions, higher contribution limits will be available for 2025. The 401 (k) contribution limit for 2025 is $23,500 for employee salary deferrals, and $70,000 for the combined employee and employer contributions.