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Please clarify the 401K contributions limits

star2006 2023-09-03 10:28:57 ( reads)

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. 

跟帖(3)

硅谷居士

2023-10-31 11:23:01

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)。

iask

2024-02-07 22:31:05

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

Behappy4ever

2024-03-14 03:26:20

是roth 401k 不是roth ira吧