Roth IRA Contributions

Understand how Roth IRA contribution rules apply to you


Rules for Roth IRA contributions are based on age and contributions are not tax-deductible.

The Roth IRA contribution rules are categorized into two phases based on age:

  • Regular contributions are allowed up to age 50
  • Catch-up contributions are allowed after age 50

Use the table to find your Roth IRA contribution limits.

 
 
 
Age 2010 Contribution Limits
Up to age 50 $5,000
Over age 50 $6,000
 
 
 

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Learn more about Traditional IRA contributions.

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Rules about contributions and distributions apply to all IRAs under your direction.

TD AMERITRADE does not provide tax advice. We suggest that you seek the advice of a tax-planning professional with regard to your personal circumstances.