2025 401k Catch Up Contribution Limits For Married Couples. In 2025, the income limit for the credit increased to $76,500 for married couples filing jointly, up from $73,000 in 2023. The contribution limit on individual retirement accounts will increase by $500 in 2025, from $6,500 to $7,000.

For heads of household, the 2025 is $57,375, up from $54,750. For those with a 401(k), 403(b), or 457 plan through an employer, your new maximum contribution limit.