IRA Contribution Limits and Deadlines
Learn about the deadlines, income limits, and contribution limits for contributing to Traditional and Roth IRAs each year.
Deadline for contributions for the 2014 tax year: Wednesday, April 15, 2015
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Roth and Traditional IRA contribution limits
How much you can contribute for each tax year
| 2014 | 2015 | |
| Age 49 and under | 100% of compensation,
up to $5,500 |
100% of compensation,
up to $5,500 |
| Age 50 and older | Additional $1,000 | Additional $1,000 |
To be eligible to make a contribution to a Roth IRA or a deductible contribution to a Traditional IRA, an individual's modified adjusted gross income (MAGI) must be less than a stated amount, depending on tax-filing status.
Here are the MAGI limits for 2014 and 2015:
Roth IRA modified adjusted gross income phase-out ranges*
The income ranges in which you can make a partial contribution to a Roth IRA
| 2014 | 2015 | |
| Single individuals | $114,000–$129,000 | $116,000–$131,000 |
| Married, filing joint returns | $181,000–$191,000 | $183,000–$193,000 |
Traditional IRA modified adjusted gross income limit for partial deductibility
The income ranges in which you can make a partially deductible Traditional IRA contribution
| 2014 | 2015 | |
| Single | $60,000–$70,000 | $61,000–$71,000 |
| Married, filing joint returns | $96,000–$116,000 | $98,000–$118,000 |
| Married, filing separately | $0–$10,000 | $0–$10,000 |
| Non-active participant spouse (i.e., those with spouses who earn no income) | $181,000–$191,000 | $183,000–$193,000 |