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Financial Ratios

401(k), 403(b), and most 457 plans

2020

2021

Employee Contribution, Age 49 and under 
$19,500

$19,500

Employee Contribution, Age 50 and older 
$26,000 (Additional $6,500)

$26,000 (Additional $6,500)

Contribution maximum limit, all sources, Age 49 and under 
$57,000

$58,000

Contribution maximum limit, all sources, Age 50 and older 
$63,500 (Additional $6,500)

$64,500 (Additional $6,500)

Employee compensation limit for calculating contributions 
$285,000

$290,000

Compensation of "key employees" in a topheavy plan 
$185,000

$185,000

Compensation of "highly compensated employees" in a topheavy plan (HCE threshold) 
$130,000

$130,000

Roth and Traditional IRA contribution limits

2020

2021

Age 49 and under 
Up to $6,000 (must have employment compensation)

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

Age 50 and older 
$7,000 (Additional $1,000)

$7,000 (Additional $1,000)

Roth IRA modified adjusted gross income phaseout ranges*

2020

2021

Single 
$124,000  $139,000

$125,000  $140,000

Married—Filing joint returns 
$196,000  $206,000

$198,000  $208,000

* As of 2010, there is no income limit for taxpayers who wish to convert a traditional IRA to a Roth IRA. 
Traditional IRA modified adjusted gross income limit for partial deductibility

2020

2021

Single 
$65,000  $75,000

$66,000  $76,000

Married—Filing joint returns 
$104,000  $124,000

$105,000  $125,000

Nonactive participant spouse 
$196,000  $206,000

$198,000  $208,000


