IRA Contributions
Traditional IRA Contribution Amounts and Deadlines
| Year |
Maximum Contribution
(if under age 50) |
Maximum Contribution
(if over age 50) |
Contribution Deadline |
Limits on Tax Deductibility |
| 2009 |
$5,000 |
$6,000 |
4/15/2010 |
Neither You or Your Spouse in Employer Plan - Contribution is Fully Tax Deductible |
| You're in an Employer Plan |
| Tax Filing Status |
Income |
| Single |
$55,000-$65,000 |
| Married- Filing Jointly |
$89,000-$109,000 |
| Married- Filing Separately |
$0-$10,000 |
| Only Your Spouse in an Employer Plan |
| Married- Filing Jointly |
$166,000-$176,000 |
| Married- Filing Separately |
$0-$10,000 |
| 2010 |
$5,000 |
$6,000 |
4/15/2011 |
You're in an Employer Plan |
| Single |
$56,000-$66,000 |
| Married- Filing Jointly |
$89,000-$109,000 |
| Married- Filing Separately |
$0-$10,000 |
| Only Your Spouse in an Employer Plan |
| Married- Filing Jointly |
$167,000-$177,000 |
| Married- Filing Separately |
$0-$10,000 |
Roth IRA Contribution Amounts and Deadlines
| Year |
Maximum Contribution
(if under age 50) |
Maximum Contribution
(if over age 50) |
Contribution Deadline |
Income Limits for Contributions |
| 2009 |
$5,000 |
$6,000 |
4/15/2010 |
Tax Filing Status |
Income |
| Single |
$105,000-$120,000 |
| Married- Filing Jointly |
$166,000-$176,000 |
| Married- Filing Separately |
$0-$10,000 |
| 2010 |
$5,000 |
$6,000 |
4/15/2011 |
Tax Filing Status |
Income |
| Single |
$105,000-$120,000 |
| Married- Filing Jointly |
$167,000-$177,000 |
| Married- Filing Separately |
$0-$10,000 |
Coverdell ESA Contribution Amounts and Deadlines
| Year |
Maximum Contribution
(if under age 50) |
Contribution Deadline |
Income Limits for Contributions |
| 2009 |
$2,000 |
4/15/2010 |
Tax Filing Status |
Income |
| Single |
$95,000-$110,000 |
| Married- Filing Jointly |
$190,000-$220,000 |
| 2010 |
$2,000 |
4/15/2011 |
Tax Filing Status |
Income |
| Single |
$95,000-$110,000 |
| Married- Filing Jointly |
$190,000-$220,000 |
SEP IRA/Profit Sharing/Money Purchase Contribution Amounts and Deadlines
| Year |
Maximum Contribution |
Contribution Deadline |
| 2009 |
$49,000 |
4/15/2010 (plus extensions) |
| 2010 |
$49,000 |
4/15/2011 (plus extensions) |
SIMPLE IRA Contribution Amounts and Deadlines
| Year |
Maximum Contribution
(if under age 50) |
Maximum Contribution
(if over age 50) |
Contribution Deadline |
| 2009 |
$11,500 |
$14,000 |
4/15/2010 (plus extensions) |
| 2010 |
$11,500 |
$14,000 |
4/15/2011 (plus extensions) |
INDIVIDUAL AND ROTH INDIVIDUAL 401(K) Contribution Amounts and Deadlines
| Year |
Maximum Salary Deferral
(if under age 50) |
Maximum Salary Deferral
(if over age 50) |
Contribution Deadline |
| 2009 |
$16,500 |
$22,000 |
4/15/2010 (plus extensions) |
| 2010 |
$16,500 |
$22,000 |
4/15/2011 (plus extensions) |
| Year |
Maximum Contribution
(if under age 50) |
Maximum Contribution
(if over age 50) |
Contribution Deadline |
| 2009 |
$49,000 |
$54,500 |
4/15/2010 (plus extensions) |
| 2010 |
$49,000 |
$54,500 |
4/15/2011 (plus extensions) |
For 2009 IRA contributions, checks must be postmarked by April 15, 2010.
For 2010 IRA contributions, checks must be postmarked by April 15, 2011.
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IRA Contributions
