401k Limit 2024 Married Filing Separately. If your filing status is married filing jointly or separately if neither you nor your spouse is covered by a retirement plan at work, there’s no income limit. The 401(k) contribution limit for 2024 is $23,000 for employee contributions, and $69,000 for the combined employee and employer contributions.
Married (filing separately) can use the limits for single individuals if they have not lived with their spouse in the past year. The roth ira income limit to make a full contribution in 2024 is less than $146,000 for single filers, and less than $230,000 for those filing jointly.