Calculators

Maximum Allowable Contributions

The IRS elective contribution limit to a 403(b) for 2021 starts at $19500. If you are over the age of 50, your contribution limit increases to $26,000. 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) annual 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.

2021 Maximum Allowable Contributions (MAC)

The IRS has recently announced the 2021 Maximum Allowable Contribution (MAC) limits. While the catch-up contribution limits and the elective deferral limits for 403(b) and 457(b) remain unchanged from the previous year, the limits governing employer contributions have both increased from their 2020 levels as described below.
Limits
2020
2021
403(b)/457(b) Elective Deferrals
$19500
$19500
Catch-Up Contribution
$6500
$6500
Non-elective/Employer Contributions (Section 415(c))
$57000
$58000


Calculate Your 2021 MAC

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

2021 Base Limit: $19500

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 2021 MAC: $19500