Adjust Text Size

What are 2010 Traditional IRA & Roth IRA Contribution Limits?

Written by Nickel - 2 Comments

For those of you planning ahead, here are the IRA contribution limits for 2010. Contribution limits have been indexed to inflation since 2008, and can increase in $500 increments (as necessary).

Because inflation has been so low, however, there’s not much new under the sun. The IRA contribution limits will be staying the same in 2010 as they were in 2008/2009. What follows is a table of contributions limits dating back to 2002, and running through next year.

Year Under Age 50 Age 50+
2002-2004 $3,000/year $3,500/year
2005 $4,000/year $4,500/year
2006-2007 $4,000/year $5,000/year
2008 $5,000/year $6,000/year
2009 $5,000/year $6,000/year
2010 $5,000/year $6,000/year

Remember, you can make your 2009 contributions all the way up until April 15th 2010. As for your 2010 contributions, you can start immediately on January 1st, with a deadline of April 15, 2011.

Published on December 31st, 2009
Modified on May 25th, 2010 - 2 Comments
Filed under: Saving & Investing, Taxes

About the author: is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!

Related articles...

» Roth IRA Income Limits for 2012
» What are the 2013 Traditional and Roth IRA Contribution Limits?
» 2007 IRA Contribution Limits
» IRA Changes for 2008
» 401(k), 403(b), and 457(b) Contribution Limits for 2009
» What are the 2012 Traditional and Roth IRA Contribution Limits?
» Ratcheting Up Our 403(b) Contributions
» Traditional to Roth IRA Conversion at Vanguard

Was this article useful? Please sign up to receive our content via e-mail:

You will receive only the daily updates, and can unsubscribe at anytime.

2 Responses to “What are 2010 Traditional IRA & Roth IRA Contribution Limits?”

  1. 1
    John DeFlumeri Jr Says:

    Thanks for giving us this chart of contributions.

    John DeFlumeri Jr

  2. 2
    John Feely Says:


    I’m wondering about IRA contribution limits.

    I’m married filing jointly. My wife does not work. We’re both 54 years old.

    I have a retirement plan at work (a 403c).

    My income before an ira deduction is $99,774.83.

    Can I submit $6,000 each for my wife and me?

Leave a Reply

Because rates and offers from advertisers shown on this website change frequently, please visit referenced sites for current information. This website may be compensated by companies mentioned through advertising, affiliate programs or otherwise.
FiveCentNickel User Survey