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IRA Contribution Limits
Learn about income and contribution limits for contributing to Traditional and Roth IRAs.
2018 and 2019 Traditional & Roth IRA contribution limits
Total annual contributions to your Traditional and Roth IRAs combined cannot exceed:
- 2018: $5,500, 2019: $6,000 (under age 50)
- 2018: $6,500, 2019: $7,000 (age 50 or older)
Roth IRA contribution limits and eligibility are based on your modified adjusted gross income (MAGI), depending on tax-filing status. Partial contributions are allowed for certain income ranges.
Traditional IRA contributions are not limited by annual income.
Calculate your IRA contribution limit
2018 & 2019 Roth IRA income requirements
2018
| Filing Status | Modified adjusted gross income (MAGI)1 | Contribution Limit |
| Single individuals | < $120,000 | $5,500 |
| ≥ $120,000 but < $135,000 | Partial contribution (calculate) | |
| ≥ $135,000 | Not eligible | |
| Married (filing joint returns) | < $189,000 | $5,500 |
| ≥ $189,000 but < $199,000 | Partial contribution (calculate) | |
| ≥ $199,000 | Not eligible | |
| Married (filing separately)2 | Not eligible | $5,500 |
| < $10,000 | Partial contribution (calculate) | |
| ≥ $10,000 | Not eligible |
2019
| Filing Status | Modified adjusted gross income (MAGI)1 | Contribution Limit |
| Single individuals | < $122,000 | $6,000 |
| ≥ $122,000 but < $137,000 | Partial contribution (calculate) | |
| ≥ $137,000 | Not eligible | |
| Married (filing joint returns) | < $193,000 | $6,000 |
| ≥ $193,000 but < $203,000 | Partial contribution (calculate) | |
| ≥ $203,000 | Not eligible | |
| Married (filing separately)2 | Not eligible | $6,000 |
| < $10,000 | Partial contribution (calculate) | |
| ≥ $10,000 | Not eligible |
Contribution limits for small-business plans?
See annual limits for SEP and SIMPLE IRAs, 401(k)s, and investment-only plans.
If you are covered by a retirement plan at work, you can make a full or partially deductible contribution to a Traditional IRA, based on your modified adjusted gross income (MAGI).
Calculate your IRA contribution limit
2018 & 2019 Traditional IRA deduction limits
2018
| Filing Status | Modified adjusted gross income (MAGI)1 | Deduction Limit |
| Single individuals | ≤ $63,000 | Full deduction up to the amount of your contribution limit |
| > $63,000 but < $73,000 | Partial deduction (calculate) | |
| ≥ $73,000 | No deduction | |
| Married (filing joint returns) | ≤ $101,000 | Full deduction up to the amount of your contribution limit |
| > $101,000 but < $121,000 | Partial deduction (calculate) | |
| ≥ $121,000 | No deduction | |
| Married (filing separately)2 | Not eligible | Full deduction up to the amount of your contribution limit |
| < $10,000 | Partial deduction (calculate) | |
| ≥ $10,000 | No deduction | |
| Non-active participant spouse (i.e., those with spouses who earn no income) | ≤ $189,000 | Full deduction up to the amount of your contribution limit |
| > $189,000 but < $199,000 | Partial deduction (calculate) | |
| ≥ $199,000 | No deduction |
2019
| Filing Status | Modified adjusted gross income (MAGI)1 | Deduction Limit |
| Single individuals | ≤ $64,000 | Full deduction up to the amount of your contribution limit |
| > $64,000 but < $74,000 | Partial deduction (calculate) | |
| ≥ $74,000 | No deduction | |
| Married (filing joint returns) | ≤ $103,000 | Full deduction up to the amount of your contribution limit |
| > $103,000 but < $123,000 | Partial deduction (calculate) | |
| ≥ $123,000 | No deduction | |
| Married (filing separately)2 | Not eligible | Full deduction up to the amount of your contribution limit |
| < $10,000 | Partial deduction (calculate) | |
| ≥ $10,000 | No deduction | |
| Non-active participant spouse (i.e., those with spouses who earn no income) | ≤ $193,000 | Full deduction up to the amount of your contribution limit |
| > $193,000 but < $203,000 | Partial deduction (calculate) | |
| ≥ $203,000 | No deduction |
Contribution limits for small-business plans?
See annual limits for SEP and SIMPLE IRAs, 401(k)s, and investment-only plans.
Next steps
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| Questions?
800-343-3548 |
