IRA contributions after age 70½

For 2020 and later, there is no age limit on making regular contributions to traditional or Roth IRAs.

For 2019, if you’re 70 ½ or older, you can't make a regular contribution to a traditional IRA. However, you can still contribute to a Roth IRA and make rollover contributions to a Roth or traditional IRA regardless of your age.

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How much can you contribute to your IRA?

For 2022, 2021, 2020 and 2019, the total contributions you make each year to all of your...

Roth IRA contribution limit

In addition to the general contribution limit that applies to both Roth and traditional IRAs,...

Spousal IRAs

If you file a joint return, you may be able to contribute to an IRA even if you didn’t have...

Can I contribute to an IRA if I participate in a retirement plan at work?

You can contribute to a traditional or Roth IRA even if you participate in another retirement...

Tax on excess IRA contributions

An excess IRA contribution occurs if you: Contribute more than the contribution limit. Make a...