401k Contribution Limits 2025 Catch Up Married Filing Jointly. Together, eligible individuals can contribute up to $31,000 annually ($23,500. To receive the credit, your annual income in 2025 must fall below $79,000 if you are married filing jointly, $57,375 if you file as a head of household, or $39,500 if you are a single.
For 2025, employees can now contribute up to $23,500 to a 401 (k) or 403 (b) plan if they’re under 50, up from $23,000 in 2024. If you’re 60 to 63, you can contribute an extra $11,250 ;