401k 2025 Contribution Limit Chart Married Filing Jointly. For heads of household, it will be $59,250 in 2025 (up from $57,375. Married couples filing jointly must make less than $236,000 (magi) to make full roth ira contributions for each individual.

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. In 2025, the standard 401k contribution limit has been bumped up to $23,500.