Determine How Much You Can Save

The federal government sets annual limits on the amounts you can save for retirement. Use the calculator below to determine the maximum amount you can save in 2021. (Rollovers are not included.) Once you determine the maximum amount you can save, consider saving more in the Fund’s
403(b) Smart Account.

Step 1 Enter your annual salary at the Y
Step 2 Select the total percentage of pay that you and your Y contribute to the YMCA Retirement Plan
Step 3 Have you been a Y employee for at least 15 years?
Step 4 Are you age 50 or older in 2021?
Calculate Limits
Basic Account contributions already made by you and your YMCA:
The maximum annual contribution you can make to a 403(b) Smart Account:
   Back