how much can an individual contribute to an ira
1 Higher contribution limits are permitted with a Roth Individual 401k than a Roth IRA. 2  For 2015 participants can contribute up to $18,000 to a Roth 401k ($24,000 if age 50 or older), but they can only contribute $5,500 ($6,500 if age 50 or older) into a Roth IRA.