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How Much Can You Contribute to 403(b) & 457(b) Plans?

403(b) Contribution Limits for the 2014


The 403(b) Standard Elective Deferral Limit is the lessor of $17,500.00 or 100% of includable compensation in 2014.

Participants who are age 50 or better by the end of the calendar year may defer an additional $5,500.00 to the 403(b) plan under the Age 50 Catch-up, making this group eligible to defer up to $23,000.00 in 2014.

Additional information concerning the maximum allowable contribution (MAC) to the 403(b) plan, including details on the 15 Years of Service Catch-up provision, can be found on our 2014 403(b) Contribution Limit Information Sheet.

403(b) Contribution Limits for the 2015


The 403(b) Standard Elective Deferral Limit is the lessor of $18,000.00 or 100% of includable compensation in 2015.

Participants who are age 50 or better by the end of the calendar year may defer an additional $6,000.00 to the 403(b) plan under the Age 50 Catch-up, making this group eligible to defer up to $24,000.00 in 2015.

Additional information concerning the maximum allowable contribution (MAC) to the 403(b) plan, including details on the 15 Years of Service Catch-up provision, can be found on our 2015 403(b) Contribution Limit Information Sheet.

457(b) Contribution Limits for 2014


The 457(b) Standard Elective Deferral Limit is the lessor of $17,500.00 or 100% of includable compensation in 2014.

Participants who are age 50 or better by the end of the calendar year may defer an additional $5,500.00 to the 457(b) plan under the Age 50 Catch-up, making this group eligible to defer up to $23,000.00 in 2014.

Additional information concerning the maximum allowable contribution (MAC) to the 457(b) plan, including details on the 3 Year Catch-up provision, can be found on our 2014 457(b) Contribution Limit Information Sheet.

457(b) Contribution Limits for 2015


The 457(b) Standard Elective Deferral Limit is the lessor of $18,000.00 or 100% of includable compensation in 2015.

Participants who are age 50 or better by the end of the calendar year may defer an additional $6,000.00 to the 457(b) plan under the Age 50 Catch-up, making this group eligible to defer up to $24,000.00 in 2015.

Additional information concerning the maximum allowable contribution (MAC) to the 457(b) plan, including details on the 3 Year Catch-up provision, can be found on our 2015 457(b) Contribution Limit Information Sheet.

Contributions Limits to Both 403(b) and 457(b) Plans

If an employer offers both a 403(b) and a 457(b) plan, employees may participate in both plans and may contribute up to the limits described above in each of the plans. For 2014, participants under age 50 may defer a combined $35,000.00 between the two plans. For 2015, participants under age 50 may defer a combined $36,000.00 between the two plans. If a participant is age 50 or better by the end of the year in question, the participants may defer the Standard Elective Deferral Limit plus the Age 50 Catch-up amounts in each of the plans. For 2014, participants turning age 50 by the end of the year may defer a combined $46,000.00 between the two plans. For 2015, participants turning age 50 by the end of the year may defer a combined $48,000.00 between the two plans.

Request A Personal Calculation

If you are interested in maximizing your contribution and would like to have a personal calculation performed to determine if you qualify to defer more than the Standard Limits plus any applicable amounts under the Age 50 Catch-up (available on the Contributions Limits Page), please Contact Us.

Frequently Asked Questions by Employees

Chances are, it's been asked before. If after reviewing subject-specific pages on this site you still have questions about your employer's CCC-administered 403(b) Plan, review these answers to Frequently Asked Questions (FAQ) by Employees. Learn More 403(b) Learn More 457(b)