2025 401k Limits Married Filing Jointly. The agi limit for eligibility is $79,000. $30,000 ($800 increase) taxpayers who are 65 or older can take an additional standard deduction, which is also adjusted for inflation.
The agi limit for eligibility is $39,500. If you are married and filing jointly and you and your spouse both have workplace retirement plans, the spouse making the ira contribution must have less than $126,000 to make a full contribution and $146,000 to make a.
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