How much can I contribute to an IRA if I contributed 15,688 to a 401K?

[speakehouseholdt]

My husband and I are both 64, I work, he's retired.  In 2018, I contributed $15,688 to my 401(k).  Our combined income is $91,076 (he gets Social Security) and combined taxable income is $63,701.  Is the total we can contribute to an IRA $6,500?  Or can we contribute $5,500 plus $1,000 each year over 50 years old (or $19,500)?  Neither of us took any payouts from our 401(k)'s.

[DDollar · Accepted solution]

Form 2019 and 2020 you can contribute $7,000.  That is a combination of the regular limit of $6,000 and the $1,000 catch up contribution if you are 50 or older.

[Edited 03-26-2020]