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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
2011
$5,000
$6,000
2012
$5,000
$6,000
2013
$5,500
$6,500
2014
$5,500
$6,500
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
2011
$11,500
$14,000
2012
$11,500
$14,000
2013
$12,000
$14,500
2014
$12,000
$14,500
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
2011
$16,500
$22,000
2012
$17,000
$22,500
2013
$17,500
$23,000
2014
$17,500
$23,000
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)
2011
$107,000 - $122,000
$169,000 - $179,000
2012
$110,000 - $125,000
$173,000 - $183,000
2013
$112,000 - $127,000
$178,000 - $188,000
2014
   
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
2011
$49,000
$245,000
2012
$50,000
$250,000
2013
$51,000
$255,000
2014
$52,000
$260,000
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
2011
$16,500
$22,000
2012
$17,000
$22,500
2013
$17,500
$23,000
2014
$17,500
$23,000
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
2011
$16,500
$22,000
2012
$17,000
$22,500
2013
$17,500
$23,000
2014
$17,500
$23,000
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
2011
$49,000
$245,000
2012
$50,000
$250,000
2013
$51,000
$255,000
2014
$52,000
$260,000
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.