2018-2019 Roth IRA Contribution Limits

Open a Roth IRA and take advantage of after-tax benefits as you save for retirement.

Roth IRA contributions are made on an after-tax basis.

Roth IRA contributions are made on an after-tax basis. However, keep in mind that your eligibility to contribute to a Roth IRA is based on your income level. If you file taxes as a single person, your Modified Adjusted Gross Income (MAGI) must be under $135,000 for tax year 2018 and $137,000 for tax year 2019 to contribute to a Roth IRA, and if you're married and file jointly, your MAGI must be under $199,000 for tax year 2018 and $203,000 for tax year 2019. The maximum total annual contribution for all your IRAs combined is:

  • $6,000 if you're under age 50
  • $7,000 if you're age 50 or older

Roth IRA Contribution Limits (Tax year 2019)

Roth IRA Contribution Limits (Tax year 2019)

Single Filers (MAGI) Married Filing Jointly (MAGI) Married Filing Separately (MAGI) Maximum Contributions for Individuals Under Age 50 Maximum Contributions for Individuals Age 50 and Older
under $122,000 under $193,000 $0 $6,000 $7,000
$123,500 $194,000 $1,000 $5,400 $6,300
$125,000 $195,000 $2,000 $4,800 $5,600
$126,500 $196,000 $3,000 $4,200 $4,900
$128,000 $197,000 $4,000 $3,600 $4,200
$129,500 $198,000 $5,000 $3,000 $3,500
$131,000 $199,000 $6,000 $2,400 $2,800
$132,500 $200,000 $7,000 $1,800 $2,100
$134,000 $201,000 $8,000 $1,200 $1,400
$135,500 $202,000 $9,000 $600 $700
$137,000 & over $203,000 & over $10,000 & over $0 $0

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Roth IRA contribution limits 2018

Roth IRA Contribution Limits (Tax year 2018)

Single Filers
Modified Adjusted Gross Income (MAGI) 
 Married Filing Jointly
Modified Adjusted Gross Income (MAGI) 
 Married Filing Separately
Modified Adjusted Gross Income (MAGI) 
 Maximum Contributions for Individuals Under Age 50 Maximum Contributions for Individuals Age 50 and Older
under $120,000 under $189,000 $0 $5,500 $6,500
$121,500 $190,000 $1,000 $4,950 $5,850
$123,000 $191,000 $2,000 $4,400 $5,200
$124,500 $192,000 $3,000 $3,850 $4,550
$126,000 $193,000 $4,000 $3,300 $3,900
$127,500 $194,000 $5,000 $2,750 $3,250
$129,000 $195,000 $6,000 $2,200 $2,600
$130,500 $196,000 $7,000 $1,650 $1,950
$132,000 $207,000 $8,000 $1,100 $1,300
$133,500 $198,000 $9,000 $550 $650
$135,000 & over $199,000 & over $10,000 & over $0 $0

1. You may contribute simultaneously to a Traditional IRA and a Roth IRA (subject to eligibility) as long as the total contributed to all (Traditional and/or Roth) IRAs totals no more than $5,500 ($6,500 for those age 50 and over) for tax year 2018 and no more than $6,000 ($7,000 for those age 50 and over) for tax year 2019.

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