403(b) contribution planner, 2026
This works out one number from the 403(b) Contribution Limit figures published for 2026. Every amount it uses is below, with the document it was read from. What you enter is your own: this site has no way to check it, and the answer it produces is not a published figure.
Effective 2026-01-01Source: Notice 2025-67 (IRS)Verified 2026-08-29
How it is worked out
The published base limit, plus the published catch-up amount if you are eligible for it, less what you enter as contributed so far. Both published amounts are exact, so only your own figure is rounded, to the nearest cent. Where you have already contributed more than the limit allows, the answer is nothing rather than a negative amount.
It uses Elective deferral limit, $24,500 and Catch-up limit, age 50 and over, +$8,000, published above.
Figures in this colour are computed from the amounts above. They are not published figures and no document states them.
Work it out
The live calculator needs JavaScript. The table below covers common amounts and is computed the same way.
Worked out for common amounts
| What you have contributed so far this year | Result |
|---|---|
| 0 | $32,500 |
| 5,000 | $27,500 |
| 10,000 | $22,500 |
| 20,000 | $12,500 |
How each figure was verified
Each number below was read from a stored copy of the document named beside it, and checked to occur word for word in the quoted sentence. The digest is of that stored text.
Notice 2025-67 (IRS)
- Elective deferral limit
The limitation under section 402(g)(1) on the exclusion for elective deferrals described in section 402(g)(3), which includes elective deferrals made to the Thrift Savings Plan, is increased from $23,500 to $24,500.
- Catch-up limit, age 50 and over
The limitation under section 414(v)(2)(B)(i) for catch-up contributions to an applicable employer plan other than a plan described in section 401(k)(11) or section 408(p) that generally applies for individuals aged 50 or over is increased from $7,500 to $8,000.
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