Please clarify the 401K contributions limits

来源: 2023-09-03 10:28:57 [旧帖] [给我悄悄话] 本文已被阅读:

那么,你最多可以放多少税后401K呢?国税局(IRS)每年会调整401K计划的上限,包括员工的贡献和雇主的匹配;2023年这个上限是6.6万美元。如果员工放满了2.25万的税前401K,公司匹配了1.125万(50%),那么理论上员工可以再放3.225万的税后401K:
6.6万 - 2.25万 - 1.125万 = 3.225万

Are you sure what you talked above is correct? Per IRA, You can split your annual elective deferrals between designated Roth contributions and traditional pre-tax contributions, but your combined contributions can’t exceed the deferral limit - $22,500 in 2023...https://www.irs.gov/retirement-plans/roth-comparison-chart.

Please clarify.