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
SIMPLE $13,000 $16,000
IRA (Traditional/Roth) $6,000 $7,000
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
Single $122,000 $137,000
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.