那個有嚴重誤導，那是個人加雇主能放的總量，但有幾個雇主能給你那麽多？以23年為例 401k 個人22500，過50歲再加

7500.的catch up,個人最多能放30000 ，按他的意思 放滿是66000 ，說明他年齡不到50歲（年過50歲：放滿的額度是$73500）。 那他個人能放的是22500，雇主就得放43500.   一般好的雇主也就8%match.大部分公司contribution 小於8%。以8%match 為例，你的工資得至少要有 543750（43500/0.08=543750）. 有幾個人工資能到54萬多？況且好多公司隻match 3% 或4%, 這樣的話你的工資得100多萬。還有一種可能就是雇主match 25%,那工資17.4萬就可放66000.但有幾個公司能給雇員25%的match?我是從來沒聽說過的。

他的這個即使是真實的也是極端個例，不適用於絕大多數人。

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:

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

1. 100% of the participant's compensation, or
    
2. $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).

所有跟帖： 

• 我公司有10%的match. 我以前跟風存滿pre-tax的。沒注意過其他的選擇。現在來投壇學到好多。 -LoveBBJr- ♀ (0 bytes) () 02/04/2024 postreply 07:39:18

• 有的雇主給10-12%（不用自己全match）。還有自雇也可能達到上限 -spookyoldtree- ♂ (80 bytes) () 02/04/2024 postreply 07:46:28

• 有的雇主有profit sharing，有的雇主允許放稅後401K，都可以到66K的上限。 -易木- ♂ (0 bytes) () 02/04/2024 postreply 08:34:54