2025 Roth Ira Contribution Limits Married Filing Jointly. For the 2025 tax year, the irs is increasing the annual contribution limit for 401(k) plans by $500 from the current limit of $23,000 in 2024 to $23,500 in 2025. High earners can still get funds into a roth using the backdoor.
As it stands, people 50 and older can add an additional $7,500 to their 401(k) contributions, bringing the total to $31,000 for 2025. Contributions are based on your filing status and modified adjusted gross income (magi):.