The IRS establishes calendar year benefit contribution limits for some tax-advantaged
benefits. Visit
IRS.gov for additional information.
You may contribute the maximum amount allowed below to both the 403(b) and 457(b) plans in the same calendar year.
|
Age in Calendar Year
|
2024
|
2025
|
|
Under 50
|
$23,000 |
$23,500 |
|
50-59
|
$30,500 |
$31,000 |
|
60-63*
|
$30,500 |
$34,750 |
|
64 and above
|
$30,500 |
$31,000
|
*NEW for calendar year 2025, Provision 109 of the SECURE 2.0 Act permits 403(b) and
457(b) plans to offer higher catch-up contributions for participants attaining
ages 60, 61, 62, or 63 before the end of the taxable year.
|
2024
|
2025
|
|
Single
|
$4,150 |
$4,300 |
|
Family
|
$8,300 |
$8,550 |
|
Age 55 or Older During Calendar Year
|
Additional $1,000 "catch-up" allowed |
Additional $1,000 "catch-up" allowed |
|
2024
|
2025
|
|
Minimum Annual Deposit
|
$150 |
$150 |
|
Maximum Annual Deposit, Single or Married Filing Separately
|
$2,500 |
$2,500 |
|
Maximum Annual Deposit, Married and Filing Jointly
|
$5,000 |
$5,000 |
|
2024
|
2025
|
|
Minimum Annual Deposit
|
$150 |
$150 |
|
Maximum Annual Deposit
|
$3,200 |
$3,300* |
*Per the IRS guideline, if the employee's spouse has a plan through their employer, the spouse can also contribute up to $3,300 to that plan. In this situation, the couple could jointly contribute up to $6,600 for their household.