403(b) Contribution Limits: How Much Can You Save?
For 2026, the 403(b) elective deferral limit is $24,500, with a $8,000 catch-up for age 50+. A special catch-up may be available for employees with 15+ years of service at certain organizations.
2026 403(b) limits
| Category | 2026 Limit |
|---|---|
| Elective deferral | $24,500 |
| Catch-up (age 50+) | $8,000 |
| Total with catch-up | $32,500 |
The 15-year special catch-up
403(b) plans have a unique catch-up for employees with 15 or more years of service at a qualified organization (public schools, hospitals, churches, etc.). This allows up to an additional $3,000 per year, up to a lifetime maximum of $15,000. This is separate from the age 50+ catch-up and can be used in addition to it.
403(b) vs 401(k) limits
The elective deferral and catch-up limits are the same for 403(b) and 401(k) plans. The 403(b) is the only plan with the 15-year service catch-up, which can be valuable for long-tenured teachers and hospital employees.
Frequently asked questions
What is the 403(b) max for 2025?
The 2025 limit is slightly lower than 2026. The IRS adjusts these limits annually for inflation.
What is the 403(b) contribution limits calculator?
You can use our 401(k) contribution calculator to model 403(b) contributions since the limits are the same. The calculator accounts for catch-up contributions.
Sources
Gleefund explains general retirement-account concepts and provides estimates. It does not provide financial, tax, or legal advice. See our disclaimer and methodology. Check the current IRS rules before acting.
Figures current as of 2026-09-25. Found an error? Contact us.