2025 401k Max Limits For Married Couples. In 2025, the irs has forecasted an increase in the 401 (k) elective deferral limit to $24,000, up by $1,000 from the current limit. For tax year 2025, employees can defer $23,500 into their 401 (k) and iras, a modest increase from the $23,000 contribution limit in 2024.

Here’s why you should update your account now, financial experts say. $79,000 for married couples filing jointly (up from $76,500 last year).