Contribution Limits

The YMCA Retirement Fund sets annual limits on the amount you can save for retirement. Below are the 2026 Contribution Limits. Click here to download the 403(b) Savings Plan Enrollment Form.

2026 YMCA RETIREMENT FUND Contribution Limits
Total Contributions* to both the 401(a) Retirement Plan and the 403(b) Savings Plan $72,000
($80,000 if eligible for Age 50+ Catch-Up;
$83,250 if eligible for Age 60—63 Catch-Up)

*Please note your Total Contributions may not exceed 100% of your 2026 compensation from the Y. The IRS limits includable annual compensation to $360,000.

2026 YMCA RETIREMENT FUND 403(b) SAVINGS PLAN CONTRIBUTION LIMITS
Total of Pre-Tax and Roth Contributions $24,500
15+ Years of Service Catch-Up*
(increases contribution maximum)		 $3,000
Age 50+ Catch-Up**
(if you turn age 50 or older during the calendar year)		 $8,000
Age 60—63 Additional Catch-Up
(if you turn ages 60—63 during the calendar year)		 $3,250

*The 15+ Years of Service Catch-Up amount, if eligible, is based on years of YMCA service and previous contributions.

**Effective January 1, 2026, all age-based catch-up contributions must be made on a Roth basis for 403(b) Savings Plan participants who made more than $150,000 in FICA wages (Box 3 on your Form W-2) in 2025.

Y Retirement’s 403(b) Savings Plan

Elective deferrals to your Tax-Deferred Account are “pre-tax” and reduce your current year’s federal taxable income. Elective deferrals to your Roth Account are after-tax and do not reduce your current year’s federal taxable income. Please note that if you participate in Y Retirement’s 403(b) Savings Plan and make elective deferrals to another employer’s retirement plan (such as a 401(k) plan, 403(b) plan, SEP plan or SIMPLE plan), the total of all your elective deferrals may not exceed $24,500 (or $24,500 plus Catch-Up amounts for which you are eligible).

15+ Years Of Service Catch-Up

You may “make up” for years when you did not maximize your contributions. To be eligible, you must have worked for a participating Y for at least 15 years and your previous contributions did not exceed an average of $5,000 per year of service. You may not use more than $15,000 of Service Catch-Up contributions during your lifetime and you are limited to $3,000 per year. This Service Catch-Up will be applied before any Age Catch-Up for which you are eligible. Please contact our Customer Service Department for details.

Age 50+ Catch-Up 

If you are age 50 or older (or will turn age 50 in 2026), you may increase your 403(b) contributions by $8,000.

Age 60-63 Additional Catch-Up

If you turn age 60—63 in 2026, the tax law permits you to contribute an additional $3,250 above the Age 50+ Catch-Up. Note that if you will reach age 64 in the calendar year, you are not eligible for this Additional Catch-Up at any point in the year.

Roth Catch-Up Requirement (New in 2026)

Beginning January 1, 2026, if your Social Security wages paid in the prior year (Box 3 on your W-2) were more than $150,000 (indexed and subject to change), the age-based catch-up contributions mentioned above must be made as Roth contributions to a Roth Account. For more information contact your HR Department or Y Retirement.