Maximize
Your Savings
2026 Contribution Limits
While there is no minimum amount that you must save for retirement, there are annual limits—set by Y Retirement and the IRS—on the maximum amount you can save. Are you making the most of your benefit? Review the limits below and then download the 403(b) Savings Plan Enrollment Form to adjust your contributions if needed!
| 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) |
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 | |
|---|---|
Basic Contribution LimitRepresents the total of all elective deferrals for 2026:
| $24,500 |
2026 YMCA Retirement Fund 403(b) Savings Plan Contribution Limits
Basic Contribution Limit
Represents the total of all elective deferrals for 2026:
- Pre-Tax and Roth Contributions in the 403(b) Savings Plan, and
- if you contribute to another employer’s retirement plan (such as a 401(k) plan, 403(b) plan, SEP plan or SIMPLE plan)
$24,500
There are instances in which you may be able to contribute even more than the Basic Contribution Limit in a year to the 403(b) Savings Plan. They’re called “Catch-Up” limits, and you may be eligible for more than one! Read more below and note that they’re applied in the order listed.
| 2026 Catch-Up Limits | |
|---|---|
15+ Years“Make up” for years when you didn’t contribute the maximum amount. To qualify, you must:
| $3,000/year(Lifetime limit of $15,000) |
Age 50+ Catch-Up**To qualify, you must:
| $8,000 |
Age 60-63 Additional Catch-Up**To qualify, you must:
| $3,250 |
2026 Catch-Up Limits
15+ Years
“Make up” for years when you didn’t contribute the maximum amount. To qualify, you must:
- Have at least 15 years of service with a participating Y, and
- Your past contributions must average less than $5,000 per year
$3,000/year
(Lifetime limit of $15,000)
Age 50+ Catch-Up**
To qualify, you must:
- Turn age 50 or older during the calendar year
$8,000
Age 60-63 Additional Catch-Up**
To qualify, you must:
- Turn ages 60—63 during the calendar year
- If you turn 64 in the calendar year, you are not eligible for this Additional Catch-Up at any point in the year
$3,250
**Roth Catch-Up Requirement (New in 2026)
Effective January 1, 2026, if your FICA 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 read our Roth Catch-Up FAQs, or contact your HR Department.