401k Limits 2024 Married Filing Joint. Limits on roth ira contributions based on modified agi. For tax year 2025, the standard deduction for single filers and married individuals filing separately will rise by $400, reaching $15,000.

The 401(k) contribution limit is $23,000. You must file taxes as “married filing jointly.” the earning/contributing spouse must make enough to cover the contributions to both their own ira and the spousal account.