Max 401k Contribution 2024 Married. Some retirement plans have lower limits, so check the details of your allowable contributions. Each spouse can contribute up to $23,000 in their 401 (k) account for 2024, or up to $46,000 as a couple.

For individual retirement accounts, or iras—both roth and traditional types—2024 contributions will max out at $7,000, up from $6,500 in 2023. This amount is an increase of $500 from the 2023 401(k.