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Retirement #s stay the same for 2010… for the most part

There were few IRA and employer plan COLA adjustments for 2010, per IR-2009-94. The few that are changing:

  • The phase-out range for deductible IRA contributions for 2010 for Single/Head of Household taxpayers covered by an employer plan is $56,000 to $66,000 (it’s $55,000 to $65,000 for 2009)
  • The phase-out range for deductible IRA contributions for 2010 where the taxpayer isn’t covered by an employer plan, but the taxpayer’s spouse is covered (and they file a joint return) is $167,000 to $177,000 ($166,000 to $176,000 in 2009)
  • The phase-out range for making Roth contributions for Joint Filers in 2010 is $167,000 to $177,000 ($166,000 to $176,000 in 2009)
  • The Saver’s Credit 20% phase-out range for Joint Filers in 2010 is $33,500 to $36,000 ($33,000 to $36,000 in 2009)
  • The Saver’s Credit 20% phase-out range for Heads of Household in 2010 is $25,125 to $27,000 ($24,750 to $27,000 in 2009)
  • The Saver’s Credit 20% phase-out range for Single Filers in 2010 is $16,750 to $18,000 ($16,500 to $18,000 in 2009)

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