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IRA Contribution Limits
Year
 AGE 49 & BELOW
 AGE 50 & ABOVE
2002-2004
 $3,000
 $3,500
2005
 $4,000
 $4,500
2006-2007
 $4,000
 $5,000
2008
 $5,000
 $6,000
2009
 $5,000
 $6,000
2010
 $5,000
 $6,000
Simple IRA Limit
Year
 AGE 49 & BELOW
 AGE 50 & ABOVE
2005
 $10,000
 $12,000
2006
 $10,000
 $12,500
2007
 $10,500
 $13,000
2008
 $10,500
 $13,000
2009
 $11,500
$14,000
2010
 $11,500
 $14,000
403(b) Contribution Limits
Year
 AGE 49 & BELOW
 AGE 50 & ABOVE
2005
 $14,000
 $18,000
2006
 $15,000
 $20,000
2007
 $15,500
 $20,500
2008
 $15,500
 $20,500
2009
 $16,500
 $22,000
2010
 $16,500
 $22,000
Roth IRA Phase-Out Range & Limits
Year
 Single
 Married Filing Jointly
2005
 $95,000 - $110,000
 $150,000 - $160,000
2006
 $95,000 - $110,000
 $150,000 - $160,000
2007
 $99,000 - $114,000
 $156,000 - $166,000
2008
 $101,000 - $116,000
 $159,000 - $169,000
2009
 $105,000 - $120,000
 $166,000 - $176,000
2010
 $105,000 - $120,000
*(Rollover limit removal)
 $167,000 - $177,000
*(Rollover limit removal)
You can contribute to a Roth IRA if your income falls below the Roth limits. You're
allowed a prorated contribution if your income falls within the "phase-out" range. If your
income exceeds the income range you won't qualify for a Roth IRA contribution. *Though
the 2010 Roth IRA conversion limit is removed, phase out limits still apply for contribution.
SEP IRA Limit
Year
 Max Dollar
Allocation
 Max Considered
Compensation
2005
 $42,000
 $210,000
2006
 $44,000
 $220,000
2007
 $45,000
 $225,000
2008
 $46,000
 $230,000
2009
$49,000
$245,000
2010
$49,000
$245,000
The maximum amount that can be contributed to a simplified employee pension (SEP)
plan is 25% of an employee's compensation, which is capped at a maximum, per above.
Retirement Plan / Qualified Plan Limits
IRA Contribution Limits
Roth IRA Phase-Out Range & Limits
401k Contribution Limits
Defined Contribution Plans Limits
Simple IRA Limits
SEP IRA Limits
403(b) Contribution Limits
Section 457 Plan Limits
Section 457 Plan Limits
Year
 AGE 49 & BELOW
 AGE 50 & ABOVE
2005
 $14,000
 $18,000
2006
 $15,000
 $20,000
2007
 $15,500
 $20,500
2008
 $15,500
 $20,500
2009
 $16,500
 $22,000
2010
 $16,500
 $22,000
401k Contribution Limits
Year
 AGE 49 & BELOW
 AGE 50 & ABOVE
2005
 $14,000
 $18,000
2006
 $15,000
 $20,000
2007
 $15,500
 $20,500
2008
 $15,500
 $20,500
2009
 $16,500
 $22,000
2010
$16,500
$22,000
Defined Contribution Plans, basic limits
Year
 Max Dollar
Allocation
 Max Considered
Compensation
2005
 $42,000
 $210,000
2006
 $44,000
 $220,000
2007
 $45,000
 $225,000
2008
 $46,000
 $230,000
2009
$49,000
$245,000
2010
$49,000
$245,000
The maximum amount that can be contributed to a defined contribution plan is 25% of
an employee's compensation, which is capped at a maximum, per above.