401k Contribution Limits 2025 Married Filing Jointly. 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. In 2025, the income limits that determine roth ira eligibility increased by $4,000 for single individuals and $6,000 for married couples that file jointly.

The ira and roth ira. Married couples filing jointly have a range of $126,000 to $146,000 if the contributing spouse is covered by a workplace plan.