|2019 Retirement Plan Contribution Limits|
|Plan Type||Under Age 50||Over Age 50|
|401(k), 403(b), most 457, Salary Reduction SEP||$19,000||$25,000|
|Phase Outs||Phase Out Range|
|Traditional IRA Deduction Phase Outs:||Modified Adjustment Income|
|Married Filing Joint||$103,000||$123,000|
|Married Filing Joint - One Spouse is Covered at Work||$193,000||$203,000|
|Single Or Head of Household||$64,000||$74,000|
|Married or Filing Separately||$10,000|
|Roth IRA Contribution Phase Outs:||Modified Adjustment Income|
|Married Filing Joint||$193,000||$23,000|
Employer-sponsored plans may have additional contribution limits. Not all employer plans allow the higher contributions amount for those aged 50 and older.
The IRA limitation caps a person's combined contributions to traditional and Roth IRAs for the year.