401k Contribution Limits 2025 Chart For Married Couples. Married couples filing jointly have a range of $126,000 to $146,000 if the contributing spouse is covered by a workplace plan. A married couple in which both spouses are over 50 and with a 401(k) account at work could potentially defer paying income tax on as much as $61,000 in a single year.

For single savers, the income range is $150,000 to $165,000. For a traditional ira contributor not covered by a.