U.S. OMNI - 2025 Maximum

Calculators

Maximum Allowable Contributions

The IRS elective contribution limit to a 403(b) for 2025 starts at $23500. If you are over the age of 50, your contribution limit increases to $31,000. 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.

Other Calculators

2025 Maximum Allowable Contributions (MAC)

The IRS has recently announced the 2025 Maximum Allowable Contribution (MAC) limits for 403(b) and 457(b) plans. Elective contribution limits will increase by $500 to $23,500 for 2025.

403(b)

Calendar Year

2024

2025

Base Limit (Age 49 & under)

$23,000

$23,500

Age-based catch-up (Age 50 & over)

$30,500

$31,000

Super catch-up (Ages 60 thru 63)

$30,500

$34,750

15-year catch-up (increase to base)

$3,000*

Non-Elective limit

$69,000

$70,000

Overall Combined Limit (50 & over)

$76,500

$77,500

Overall Combined Limit (60 thru 63)

$76,500

$81,250

457(b)

Calendar Year

2024

2025

Base Limit (Age 49 & under)

$23,000

$23,500

Age-based catch-up (Age 50 & over)

$30,500

$31,000

Super catch-up (Ages 60 thru 63)

$30,500

$34,750

Special catch-up

$46,000*

$47,000*

*Requires special calculation to determine eligibility

Start or Change Your 2025 Contributions Now >>

Calculate Your 2025 MAC

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

2025 Base Limit: $23500
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 2025 MAC: $23500