那个有严重误导，那是个人加雇主能放的总量，但有几个雇主能给你那么多？以23年为例 401k 个人22500，过50岁再加

来源: xsz 于 2024-02-04 07:33:13 [档案] [旧帖] [给我悄悄话] 本文已被阅读：次 (9235 bytes)

本文内容已被 [ xsz ] 在 2024-02-04 07:51:50 编辑过。如有问题，请报告版主或论坛管理删除.

回答: 请教40lk limit. 楼下limit 是说66000 ／年。难道我每年存到最大pre-tax额度后，还可以再存税后由 LoveBBJr 于 2024-02-04 06:04:35

7500.的catch up,个人最多能放30000 ，按他的意思放满是66000 ，说明他年龄不到50岁（年过50岁：放满的额度是$73500）。那他个人能放的是22500，雇主就得放43500. 一般好的雇主也就8%match.大部分公司contribution 小于8%。以8%match 为例，你的工资得至少要有 543750（43500/0.08=543750）. 有几个人工资能到54万多？况且好多公司只match 3% 或4%, 这样的话你的工资得100多万。还有一种可能就是雇主match 25%,那工资17.4万就可放66000.但有几个公司能给雇员25%的match?我是从来没听说过的。

他的这个即使是真实的也是极端个例，不适用于绝大多数人。

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-401k-and-profit-sharing-plan-contribution-limits

Deferral limits for 401(k) plans

The limit on employee elective deferrals (for traditional and safe harbor plans) is:

$23,000 ($22,500 in 2023, $20,500 in 2022, $19,500 in 2021 and 2020; and $19,000 in 2019), subject to cost-of-living adjustments
Catch-up contributions for those age 50 and over

If permitted by the 401(k) plan, participants age 50 or over at the end of the calendar year can also make catch-up contributions. You may contribute additional elective salary deferrals of:
$7,500 in 2023 and 2024, $6,500 in 2022, 2021 and 2020 and $6,000 in 2019 - 2015 to traditional and safe harbor 401(k) plans
$3,500 in 2023 and 2024, $3,000 in 2022 - 2015 to SIMPLE 401(k) plans
These amounts are subject to cost-of-livingPDF adjustments

Overall limit on contributions

Total annual contributions (annual additions) to all of your accounts in plans maintained by one employer (and any related employer) are limited. The limit applies to the total of:

elective deferrals (but not catch-up contributions)
employer matching contributions
employer nonelective contributions
allocations of forfeitures

The annual additions paid to a participant’s account cannot exceed the lesser of:

100% of the participant's compensation, or
$69,000 ($76,500 including catch-up contributions) for 2023; $66,000 ($73,500 including catch-up contributions) for 2023; $61,000 ($67,500 including catch-up contributions) for 2022; $58,000 ($64,500 including catch-up contributions) for 2021; and $57,000 ($63,500 including catch-up contributions).

However, an employer’s deduction for contributions to a defined contribution plan (profit-sharing plan or money purchase pension plan) cannot be more than 25% of the compensation paid (or accrued) during the year to eligible employees participating in the plan (see Employer Deduction in Publication 560, Retirement Plans for Small Business (SEP, SIMPLE, and Qualified Plans).