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Traditional and Roth IRA Contribution Limits

I know this is somewhat elementary stuff but I’ve been getting a lot of searchers looking for these contribution limits and they’re going to pages that don’t display it in a convenient and easily scannable format – thus, I’ve written this entirely new post to address these limits.

Contribution Limits:

Year Under 50 Limit Over 50 Limit
2006-2007 $4,000 $5,000
2008 $5,000 $6,000
2009 $5,000 $6,000
2010 $5,000 $6,000

Roth IRA Income Phase-out:

Year Floor Ceiling
2008 Single $101,000 $116,000
2008 Married F.J. $159,000 $169,000
2009 Single $105,000 $121,000
2009 Married F.J. $166,000 $176,000
2010 Single $106,000 $121,000
2010 Married F.J. $167,000 $177,000

Some rules: