Calculators

Maximum Allowable Contributions

The IRS elective contribution limit to a 403(b) for 2019 starts at $19,000. If you are over the age of 50, your contribution limit increases to $25,000. The Fifteen Year Cap Expansion Option, commonly referred to as service-based catch up, may also be available to veteran employees having 15 years or more with their current employer and whose total past 403(b) contributions average under $5,000 per year of employment. This allowance has a $3,000 maximum amount per year with a lifetime maximum of $15,000. A qualified employee could, for example, contribute an additional $1,000 per year for 15 years to reach the $15,000 lifetime maximum.

Please Note: We cannot and do not guarantee the calculator's applicability or accuracy in regard to your individual circumstances.

2019 Maximum Allowable Contributions (MAC)

The IRS has recently announced the 2019 Maximum Allowable Contribution (MAC) limits. While the catch-up contribution limits remain unchanged from previous years, the elective deferral limits for 403(b) and 457(b) contributions as well as the limits governing employer contributions have both increased from their 2018 levels as described below.
Limits
2018
2019
403(b)/457(b) Elective Deferrals
$18500
$19000
Catch-Up Contribution
$6000
$6000
Non-elective/Employer Contributions (Section 415(c))
$55000
$56000


Calculate Your 2019 MAC

Please Note: We cannot and do not guarantee the calculator's applicability or accuracy in regard to your individual circumstances.

2019 Base Limit: $19000

Year of Birth:
Number of years at employer:
Total $ of Past 403(b) Contributions with Current Employer:
Past Amount of Service Catch-up Used:

Total 2019 MAC: $19000