Roth IRA contribution limits for 2018 and 2019

Filing statusModified AGIMaximum contribution
Married filing jointly or qualifying widow(er)2018: Less than $189,000
2019: Less than $193,000
2018: $5,500 ($6,500 if 50 or older)
2019: $6,000 ($7,000 if 50 or older)
2018: $189,000 to $198,999
2019: $193,000 to $202,999
Contribution is reduced
2018: $199,000 or more
2019: $203,000 or more
Not eligible
Single, head of household or married filling separately (if you did not live with spouse during year)2018: Less than $120,000
2019: Less than $122,000
2018: $5,500 ($6,500 if 50 or older)
2019: $6,000 ($7,000 if 50 or older)
2018: $120,000 to $134,999
2019: $122,000 to $136,999
Contribution is reduced
2018: $135,000 or more
2019: $137,000 or more
Not eligible
Married filing separately (if you lived with spouse at any time during year)2018: Less than $10,000
2019: Less than $10,000
Contribution is reduced
2018: $10,000 or more
2019: $10,000 or more
Not eligible