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To reach your retirement savings goals, contribute to the IRS limit of $19,000 in 2019 and maximize your employer's contribution match.
401(k), 403(b), and most 457 plans

2018

2019

Employee Contribution, Age 49 and under 
$18,500

$19,000

Employee Contribution, Age 50 and older 
$24,500 (Additional $6,000)

$25,000 (Additional $6,000)

Contribution maximum limit, all sources, Age 49 and under 
$55,000

$56,000

Contribution maximum limit, all sources, Age 50 and older 
$61,000 (Additional $6,000)

$62,000 (Additional $6,000)

Employee compensation limit for calculating contributions 
$275,000

$280,000

Compensation of "key employees" in a topheavy plan 
$175,000

$180,000

Compensation of "highly compensated employees" in a topheavy plan (HCE threshold) 
$120,000

$125,000

Roth and Traditional IRA contribution limits

2018

2019

Age 49 and under 
Up to $5,500 (must have employment compensation)

Up to $6,000 (must have employment compensation)

Age 50 and older 
$6,500 (Additional $1,000)

$7,000 (Additional $1,000)

Traditional IRA modified adjusted gross income limit for partial deductibility

2018

2019

Single 
$63,000  $73,000

$64,000  $74,000

Married—Filing joint returns 
$101,000  $121,000

$103,000  $123,000

Nonactive participant spouse 
$189,000  $199,000

$193,000  $203,000

Roth IRA modified adjusted gross income phaseout ranges*

2018

2019

Single 
$120,000  $135,000

$122,000  $137,000

Married—Filing joint returns 
$189,000  $199,000

$193,000  $203,000

* As of 2010, there is no income limit for taxpayers who wish to convert a traditional IRA to a Roth IRA. 

