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403b Plan

How a 403(b) plan works in 2026: contribution limits, the age and 15-year catch-ups, and a calculator for the most you can defer.

Updated November 4, 2026. Free, no sign-up; everything runs in your browser and nothing you type is stored.

403b plan contribution calculator (2026)

Age at the end of 2026Years of service with this employerTotal elective deferrals with this employer in earlier years ($)15-year catch-up already used ($)

Most you can defer in 2026

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–15-year service catch-up

–Age catch-up

403b plan limits for 2026

Elective deferrals: $24,500 (IRS).
Age 50+ catch-up: $8,000; ages 60–63: $11,250 instead, if the plan allows.
Total from all sources (with employer contributions): $72,000.

The 15-year service catch-up

If your plan allows it and you have at least 15 years of service with the same public school system, hospital, home health or health and welfare agency, church or similar employer, your limit rises by the lesser of $3,000, $15,000 minus the 15-year catch-ups you've already used, or $5,000 × your years of service minus your earlier deferrals with that employer (IRS). It's used before the age 50 catch-up, so someone 50+ might defer up to $35,500.

A 403(b) works like a 401(k) for public schools and nonprofits; many also offer a 457 account, which has its own separate limit.

Common questions

What is the 403(b) limit for 2026?

$24,500, plus $8,000 at 50+ or $11,250 at 60–63.

What is the 403(b) 15-year catch-up?

Up to $3,000 more a year ($15,000 lifetime) for employees with 15+ years at a qualifying employer.

Can I have a 403(b) and a 457(b)?

Yes, and their limits are separate.

Sources

More retirement calculators: Solo 401k Calculator 2026 vs SEP IRA & SIMPLE IRA · 401k Rollover to IRA · Custodial Roth IRA

General information, not financial, tax or legal advice. Check important numbers with the official source before acting on them.