2025 401k Limits Married Filing Jointly Over 70. Contribute up to $23,500 to a 401k or similar plan ($30,500 if 50 or older). $79,000 for married couples filing jointly (up from $76,500 last year).

For 2025, you can contribute up to $7,000 to your ira, or $8,000 if 50 or older (same as 2024). Married couples filing jointly, if the spouse making the ira contribution is.