Retirement Account Contribution Limits 2011

Use this table to quickly compare contribution and income limits for the most common retirement savings accounts. See which accounts you are eligible for and how much you can contribute annually.

If you are over 50, most accounts allow for "catch-up" contributions — effectively boosting your contribution limit by $1,000-$5,000 depending on the account. Contribution and income limits change every year based on new tax laws and adjustments for inflation, so make sure your decisions are based on the latest figures.

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Income Limit: Annual Limit (under 50): Annual Limit (over 50):
Traditional IRA Single: $56k-$66k
Joint: $90k-$100k
$5,000 $6,000
Roth IRA Single: $105k-$120k
Joint: $169k-$179k
$5,000 $6,000
Non-deductible IRA No Limit $5,000 $6,000
Inherited IRA No Limit Not Allowed Not Allowed
Rollover IRA No Limit Not Allowed Not Allowed
Roth IRA No Limit Not Allowed Not Allowed
401k No Limit $16,500 $22,000
Solo 401k No Limit $49,000 $54,500
Roth Solo 401k No Limit $49,000 $54,500
SEP IRA No Limit $49,000 $50,000
SIMPLE IRA No Limit $11,500 $14,000
457b No Limit $16,500 $22,000
403b Single: $28,250
Joint: $42,375
$16,500 $22,000
HSA No Limit Single: $3,500
Joint: $6,150
Single: $4,500
Joint: $7,150
*Subject to change without notice.