2025 Max 401k Contribution Amount For Married Couples. If you're age 50 to 59 or 64. In 2025, the catchup contribution stayed at $7,500, the same as in 2024 and 2023.

Married couples filing jointly if the ira contributor is not covered by a workplace retirement plan and is married to someone who is covered between $236,000 and $246,000. The ira catch‑up contribution limit for individuals aged 50 and over was amended under the secure 2.0 act of 2022 (secure 2.0) to include an annual cost‑of‑living.