2019 Retirement Account and HSA Figures

This page lists retirement contribution limits and related numbers for 2018 and 2019. Other categories of numbers, including tax rate schedules and general figures such as the standard deduction, are available in our Reference Room.

IRA contributions

2018 2019
IRA contribution limit
Under age 50 5,500 6,000
50 or older 6,500 7,000
Deduction phaseout begins (employer plan participants)
married filing jointly 101,000 103,000
single or head of household 63,000 64,000
Roth IRA contribution phaseout begins
married filing jointly 189,000 193,000
others 120,000 122,000

Employer plans

2018 2019
Elective deferrals (401k, 403b)
under age 50 18,500 19,000
50 or older 24,500 25,000
SIMPLE accounts
limitation 12,500 13,000

Retirement savings contribution credit

2018 2019
Married filing jointly
50% up to 38,000 38,500
20% up to 41,000 41,500
10% up to 63,000 64,000
Head of household
50% up to 28,500 28,875
20% up to 30,750 31,125
10% up to 47,250 48,000
Other taxpayers
50% up to 19,000 19,250
20% up to 20,500 20,750
10% up to 31,500 32,000

Social Security

2018 2019
Wage base
Announced by SSA 128,700 132,900

Health savings account (HSA)

2018 2019
Annual limitation on deductions
self-only coverage 3,450 3,500
family coverage 6,900 7,000
Minimum annual deductible
self-only coverage 1,350 1,350
family coverage 2,700 2,700
Maximum out-of-pocket expenses
self-only coverage 6,650 6,750
family coverage 13,300 13,500

More tax figures: Reference Room

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