Resource Center

Contribution Limits Calculator

The federal government sets annual limits on the amounts you can save for retirement. Follow the steps below to determine the maximum amount you can save in 2021. (Rollovers are not included.)


Please note: This calculator does not currently accommodate total contribution percentages less than 8%. If you work for a Y that is temporarily contributing 1%, 4% or 6% (with no employee contribution), please contact our Customer Service Department for assistance.

Enter your annual salary at the Y

(This amount is subject to contribution limits)

Select the percentage of pay that you and your Y contribute to the Retirement Plan
Additional Information
Your percentage of pay is shown on your Benefits Statement, or you can ask the person who administers the Retirement Plan at your Y.
Have you been a Y employee for at least 15 years?

Are you age 50 or older in 2021?

2021 Federal Contribution Limits
Total Contributions 100% of your compensation* or $58,000 (whichever is less)
Age 50+ Catch Up $6,500
2021 Tax Deferred Contribution Limits
Tax Deferred Contributions Maximum (individual limit from all salary reduction retirement plans) $19,500
15+ Years of Service Catch-Up** (increases tax-deferred contribution maximum) $3,000
Age 50+ Catch Up (increases both total and tax-deferred contribution maximum) $6,500

* The IRS Code limits includable compensation to $290,000.

** The 15+ Years of Service Catch-Up amount is based on years of YMCA service and can be as much as $3,000 but is limited based on how much you’ve contributed in the past. Call Customer Service at 1-800-RET-YMCA for more info about your eligibility.