The 2021 pay-in cap for traditional IRAs and Roth IRAs stays steady at $6,000.
But the income ceilings on Roth IRA pay-ins go up. Contributions phase out at AGIs of $198,000 to $208,000 for couples and $125,000 to $140,000 for singles.
Also, deduction phaseouts for traditional IRAs start at higher levels in 2021, from AGIs of $105,000 to $125,000 for couples and $66,000 to $76,000 for single filers.
If only one spouse is covered by a plan, the phaseout zone for deducting a contribution for the uncovered spouse starts at $198,000 of AGI and ends at $208,000