Many key dollar limits on IRAs and retirement plans will be higher in 2019. The maximum 401(k) contribution rises to $19,000. People born before 1970 can contribute an extra $6,000. These limits apply to 403(b) and 457 plans as well. The cap on SIMPLEs climbs to $13,000. People age 50 and up can put in $3,000 more. Retirement plan contributions can be based on up to $280,000 of salary. The payin limitation for defined contribution plans increases to $56,000. Anyone making over $125,000 is highly paid for plan discrimination testing. The 2019 payin limits for traditional IRAs and Roth IRAs jumps to $6,000. Individuals who are age 50 and older next year can contribute an additional $1,000. The income ceilings on Roth IRA payins go up. Contributions phase out at AGIs of $193,000 to $203,000 for couples and $122,000 to $137,000 for individuals. Also, deduction phaseouts for traditional IRAs start at higher levels in 2019, from AGIs of $103,000 to $123,000 for couples and $64,000 to $74,000 for singles. If only one spouse is covered by a plan, the phaseout zone for deducting a contribution for the uncovered spouse will start at $193,000 of AGI and end at $203,000.