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Maximum Contributions – Maximum Benefits

IRA/HSA CONTRIBUTION LIMITS

The tax benefits of these accounts make increased contributions a smart idea. Here are the maximum amounts you can contribute.

 

View the maximum amounts you can contribute into traditional individual retirement accounts and Roth individual retirement accounts
Traditional IRA/Roth IRA Contribution Limits*20182019
Up to age 50$5,500$6,000
Catch Up Contributions Provision Age 50+$1,000$1,000

 

View the modified adjusted gross income phase-out ranges that determine traditional individual retirement account deductibility
Traditional IRA Deductibility Modified Adjusted Gross Income Limit Phase-Out Ranges*†20182019
Single or Head of Household - Active Participant$63,000 - $73,000$64,000 - $74,000
Married Active Participant Filing Joint$101,000 - $121,000$103,000 - $123,000
Married Active Participant Filing SeparateLess than $10,000Less than $10,000

 

View the modified adjusted gross Income phase-out ranges that determine Roth individual retirement contributions
Roth IRA Contribution Limits Modified Adjusted Gross Income Phase-Out Ranges*20182019
Single or Head of Household$120,000 - $135,000$122,000 - $137,000
Married Filing Joint Tax Return$189,000 - $199,000$193,000 - $203,000
Married Filing Separate Tax ReturnLess than $10,000Less than $10,000

 

View the individual elective deferral contribution limits for 401(k), 403 (b) and profit-sharing plans
Individual Elective Deferral Contribution Limits 401 (k), 403 (b) & Profit-Sharing Plans*20182019
Up to age 50$18,500$19,000
Catch Up Contributions Provision Age 50+$6,000$6,000
Defined Contribution Limits$55,000$56,000

 

View the contribution limits for a simplified employment pension individual retirement account
SEP IRA Contribution Limits*
20182019
SEP IRA Contribution Limits
$55,000
$56,000

 

View the contribution limits for a health savings account
Health Savings Account*20182019
Single$3,450$3,500
Family$6,900$7,000
Catch Up Contributions Provision Age 55+$1,000$1,000

 

View the cost of living adjustment increases to benefit and contribution limits on various retirement plans and accounts
IRS COLA Adjustments*
Select to view COLA Increases for Dollar Limitations on Benefits and Contributions

 

View the amount you can contribute into your Roth individual retirement account based on your modified adjusted gross income
Roth MAGI Limits*
Select to view Amount of Roth IRA Contributions That You Can Make for 2019

 

View the individual retirement account contribution limitations that determine deductibility
IRA Deductibility*
Select to view IRA Contribution Limits

 

*For specific tax advice or, to determine qualifications, eligibility, and/or contribution limits, etc., please consult a tax professional and/or the IRS.

 

If you are covered by a retirement plan at work.

 

Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. NASA Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

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