How The Fund Works

Savings Plan

The Savings Plan is a voluntary plan available to all employees of a participating Y, regardless of age or hours worked.

See how much to contribute

Contribution Limits Calculator
Determine the maximum amount you can contribute 

See how much to save now

Retirement Goal

Sidebar: Saving for Retirement in 3 Simple Steps

403(b) Smart Account

This account allows you to save money on a pre-tax basis through payroll deduction. You’ll have to pay Social Security and Medicare taxes on the amounts you contribute, but you do not have to pay federal income tax on your contributions, or on the account’s earnings, until you withdraw them from the Savings Plan (state tax laws vary).  

To open a 403(b) Smart Account, or to change your contributions to a current account, complete the form and submit it to your Y’s human resource or payroll department.  


Whether you are a new employee or have been working at a Y for a while, you may roll over money from qualified plans into a Rollover Account. Learn more about rollovers.


While you are working for a participating Y, you can borrow from the Savings Plan. Learn more about loans.