2025 Simple Ira Contribution Limits For Married Couples. For eligible simple accounts under the secure 2.0 provision, the higher contribution limit remains at $17,600. The contribution limit for simple retirement accounts increases to $16,500 (up from $16,000) in 2025.

For a spouse who doesn’t participate, the 2025 phaseout. For married couples filing jointly, the limit rises from $46,000 to $47,500.