457b Contribution Calculator

Tell Us About You

Your Name:

Your Age: Your age helps determine the maximum amount you will be eligible to contribute. see tips

When were you born:

Retirement Age: Are you in the final three calendar years prior to your plans normal retirement age? see tips

Plan Type: Is your 457(b) plan currently under a governmental employer?

Contributions: Were you eligible to participate in this 457(b) plan between ? see tips

Contributions: Were you eligible to participate in a 401(k) or 403(b) plan between 1979 - 2001? see tips

Tips

Your employer’s plan may permit you to contribute an additional:

if you are age 50 or older by year-end, or
Up to twice the annual contribution limit for those who are within three years of attaining the normal retirement age.

Your Age

Your age can play a role in determining the total amount you are eligible to contribute for the current year. If you are 50 years of age or more at anytime in the current tax year, then you could be eligible to contribute an additional (for ) to your plan.

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Normal Retirement Age

The normal retirement age is determined by your plan. Please refer to your plans rules for more specific details regarding your normal retirement age.

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Final 3 Year Catch-up

The final three-year catch-up gives employees the potential to double their 457(b) contributions assuming they have under-contributed in the past, and that they are within three full calendar years of their normal retirement age.

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Final 3 Year Catch-up

Contributions previously made under the final three year catchup provision are factored in to determine the amount you can contribute in the current years catchup.

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Tell Us About Your Salary

Income: Your annual income has a direct effect on the amount you can contribute. see tips

How much do you currently make annually:

Pay Frequency: Your pay frequency helps determine the impact of your contributions to your paycheck. see tips

How often do you receive a paycheck:

Tips

The 457(b) plan's annual contributions and other additions (excluding earnings) cannot exceed the lesser of 100% of the participant's includible compensation, or the elective deferral limit ()).

Income

Your includable compensation during the most recent 12 month period that can be counted as one full year of service. This is usually the salary paid for the current income tax year. However, there are exceptions for part time or retiring employees, please check with your tax advisor for additional information.

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Pay Frequency

Your pay frequency will determine how much will be deducted from your paycheck to achieve the maximum allowable contribution amount.

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Tax Bracket

Your Tax Bracket: If you make pre-tax contributions to your plan, your tax bracket is needed to determine how those contributions will affect your take home pay. see tips

Which tax bracket are you in:

Tips

Pre-tax contributions can be a useful way to save money without putting a large dent in your take-home pay. For example, if you're in the 24% tax bracket and want to limit the reduction in your take-home pay to $200, you could actually contribute $264.00 in pre-tax dollars per paycheck.

Tax Bracket

If you contribute to your 457(b) plan using pre-tax dollars, the tax bracket you're in will help us determine how the amount you contribute will effect your take home pay.

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Final 3 Year Catch-Up Part 1

Final 3 Year Catch-up: Enter any Final 3 Year Catch-up contributions that you have made in previous years to any plan. see tips

Prior Contributions: Enter your compensation and the amount you contributed for each year to any 457(b) plan of this employer, or any other employer, excluding any catch-up contributions. see tips

Year	Compensation	Contributions	Year	Compensation	Contributions
2017			2009
2016			2008
2015			2007
2014			2006
2013			2005
2012			2004
2011			2003
2010			2002

Not Applicable: According to the options you've selected on the About You tab, you have not made contributions between 2002 and .

Tips

The Final 3 year catch-up, also known as the 'double-limit catch-up', gives employees the potential to double their 457(b) contributions assuming they have under-contributed in the past, and that they are within three full calendar years of the normal retirement age specified under the plan. This catch-up is only offered to 457(b) governmental plans (not tax-exempt Top Hat Plans)

Catch-Ups

Your total prior contributions to your employer's plan can factor into your eligibility for the "3 year catch-up". Prior final 3 year catch-up contributions to any plan will factor into your future eligibility for this catch-up.

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Final 3 Year Catch-Up

For years 2002 through 2011:

What to include: All salary deferrals and employer contributions to any 457(b) plan of this employer, or any other employer.

What not to include: Any catch-up contributions to this 457(b) plan.

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Final 3 Year Catch-Up Part 2

Prior Contributions: Enter any contributions that you have made in the years below to all plans of all employers. Use the date links below to the years applicable. see tips

2001 - 1995 | 1994 - 1987 | 1986 - 1979

Year	Compensation	Deferrals
2001
2000
1999
1998
1997
1996
1995

Year	Compensation	Deferrals
1994
1993
1992
1991
1990
1989
1988
1987

Year	Compensation	Deferrals
1986
1985
1984
1983
1982
1981
1980
1979

Not Applicable: According to the options you've selected on the About You tab, you have not made contributions between 1979 and 2001.

Tips

Total contributions made to any 457(b) plan, for any employer, will factor into the amount you're able to contribute to the final 3 year catchup.

Catch-Ups

For years 1979 through 2001:

What to include: All contributions made during 1979-2001 to all voluntary salary reduction plans of the employer, are counted towards the final 3 year catchup limit.

What not to include: Any catch-up contributions except 403(b) 15+ years of service catch-up contributions.

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Tell Us About Your Personal Contributions

Your Contributions: Enter the total amount that you have contributed to your employer's 457(b) plan for the current tax year. see tips

Current year contributions:

Age 50+ Catch-Up Contributions see tips

Does your employer's plan offer an age 50+ catch-up contribution:

Not eligible for age 50+ catch-up: According to the data you have entered, you are enrolled in a non-governmental plan which is not permitted to offer this provision.

Not eligible for age 50+ catch-up: According to the data you have entered, you are not eligible to participate in this provision.

Tips

Clients who are eligible to use both the age 50+ catch-up election, and the final 3 year catch-up contribution, will only be eligible to use the one who has a greater value.

Your Plan

Not all plans offer the 50+ catch-up contribution. Your employer, TPA, or Financial Advisor should be able to help you determine if your plan allows for this catch-up.

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Contributions

By telling us how much you have already contributed to your plan, we can determine how much more you can contribute for the remainder of the year.

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Your Results

Basic salary deferral
Final 3 Year catch-up
Age 50+ catch-up
Current Contributions
Total salary deferral limit

Based on your Salary Deferral Limit, you can contribute up to from your paycheck.

This equates to percent of your pay.

Use the slidebar(s) below to determine how your contributions would affect your paycheck.

Pre-Tax Annual Contributions:

Post-Tax Annual Contributions:

Total annual contributions:
Total contributions per paycheck:
Paycheck deductions:

The amount you've elected to contribute exceeds your deferral limit.

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This data is provided for your informational purposes only and is not specific investment advice or a recommendation.

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457(b) Maximum Contribution Calculator