403(b) Contribution Limits

Calculating employer contributions isn’t really complicated.  View the 90-second video for a simple explanation of how to calculate 403(b) employer contribution limits using two figures from your W-2.

Your contribution limits are also subject to IRS maximum contribution limits as noted below according to your age as of the end of the calendar year.

2024 403(b) contribution limits:

Under age 50:

The limit for contributions (employee and employer) is $69,000.

The employee deferral portion is limited to $23,000.

Age 50 and over:

The limit for contributions (employee and employer) is $76,500.

The employee deferral portion is limited to $30,500.

*Remember, there must be $1 of Includible Compensation for every $1 of Employer Contribution.

2025 403(b) contribution limits:

Under age 50:
       The total contribution limit (employee and employer) is $70,000.
       The employee deferral portion is limited to $23,500.
Age 50-59 or over age 63:
       The total contribution limit (employee and employer) is $77,500.
       The employee deferral portion is limited to $31,000.
Age 60-63:
      The total contribution limit (employee and employer) is $81,250.
      The employee deferral portion is limited to $34,750. 

*Remember, there must be $1 of Includible Compensation for every $1 of Employer Contribution.