2025 401k Limits And Catch Up Limits For Married Couples. For married couples filing jointly: Married couples can make the full contribution if modified adjusted gross income (agi) falls below $236,000, phasing out completely at $246,000.

In 2025, the employee contribution limit for 401(k) and 403(b) plans increases to $23,500 for those under 50 (up from $23,000 in 2024). The new saver’s credit limit is $79,000, up from $76,500 last year.