Please clarify the 401K contributions limits

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. 

所有跟帖： 

• 你需要好好看看。我已经连续很多年，年年都放满6万多美元（以前是5万多美元）。 -硅谷居士- ♂ (0 bytes) () 10/31/2023 postreply 11:23:01

• 我今年年初在公司网站上认真读过这个条例，的确是说PreTax + Roth IRA总和不超过23000 -iask- ♀ (0 bytes) () 02/07/2024 postreply 22:31:05

• 是roth 401k 不是roth ira吧 -Behappy4ever- ♂ (0 bytes) () 03/14/2024 postreply 03:26:20