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Annual Contribution Limits

403(b) Contribution Limit
Under age 50 deferral limit (pre-tax and Roth after-tax)
2018
The lesser of $18,500 or includible compensation.
2019
The lesser of $19,000 or includible compensation.
Age 50 or older deferral limit
2018
The lesser of $24,500 or includible compensation.
2019
The lesser of $25,000 or includible compensation.
General overall limit under age 50 (all types of contributions including deferrals, employer, and traditional after-tax). Cannot exceed includible compensation.
2018
$55,000
2019
$56,000
Overall limit age 50 or older (all types of contributions including deferrals, employer, and traditional after-tax; amounts over the general overall limit must be age 50 catch-up deferrals). Cannot exceed includible compensation except to the extent that the age 50 or older catch-up deferral has been utilized.
2018
$61,000
2019
$62,000
Special deferral catch-up for participants with 15 years or more full-time equivalent service with the Assemblies of God.
2018
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2019
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Special contribution limit for participants with little or no includible compensation
2018
Contact our office
2019
Contact our office
403(b) Contribution Limit
2018
2019
Under age 50 deferral limit (pre-tax and Roth after-tax)
The lesser of $18,500 or includible compensation.
The lesser of $19,000 or includible compensation.
Age 50 or older deferral limit
The lesser of $24,500 or includible compensation.
The lesser of $25,000 or includible compensation.
General overall limit under age 50 (all types of contributions including deferrals, employer, and traditional after-tax). Cannot exceed includible compensation.
$55,000
$56,000
Overall limit age 50 or older (all types of contributions including deferrals, employer, and traditional after-tax; amounts over the general overall limit must be age 50 catch-up deferrals). Cannot exceed includible compensation except to the extent that the age 50 or older catch-up deferral has been utilized.
$61,000
$62,000
Special deferral catch-up for participants with 15 years or more full-time equivalent service with the Assemblies of God.
Contact our office
Contact our office
Special contribution limit for participants with little or no includible compensation
Contact our office
Contact our office
  • For contributions greater than those permissible, see the 409A Deferred Compensation Plan.
  • You may be eligible for a federal income tax credit on qualified retirement contributions based upon adjusted gross income.
  • Elective deferral contributions to all eligible retirement plans cannot exceed the maximum limits listed above.
  • Includible compensation for minister employees and lay employees is W-2, Box 1 wages, except most severance pay, plus deferrals to 403(b) and 401(k) plans, plus pre-tax amounts deducted to a section 125 cafeteria plan, (e.g., flex plan). Please note that a minister’s housing allowance is not part of includible compensation.
  • Includible compensation for evangelists (and other independent contractor ministers performing services in connection with the exercise of their ministry) is their business income from ministry-related services plus minister’s housing allowance, minus contributions to a 403(b) plan, and minus the one-half of the self-employment tax deducted on federal income tax form 104.
    Consult your tax advisor for details about the maximum amount  you can contribute.
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