topic Are Roth contributions to a 457(b) deferred compensation plan considered excess contributions when AGI exceeds $208,000 (married, filing jointly)? in Retirement tax questions

Are Roth contributions to a 457(b) deferred compensation plan considered excess contributions when AGI exceeds $208,000 (married, filing jointly)?

nutsfornovels — Mon, 09 Mar 2026 05:54:40 GMT

Re: Are Roth contributions to a 457(b) deferred compensation plan considered excess contributions...

ErnieS0 — Thu, 17 Feb 2022 01:32:09 GMT

A 457(b) plan is an employer plan. If your 457(b) has a Roth option, there is a contribution limitation, not an income limitation.

A 457(b) plan’s annual contributions and other additions (excluding earnings) to a participant’s account cannot exceed the lesser of:

100% of the participant's includible compensation, or
the elective deferral limit ($20,500 in 2022; $19,500 in 2020 and in 2021).

There are additional rules for catch-up contributions. To learn more see: Retirement Topics - 457(b) Contribution Limits

Re: Are Roth contributions to a 457(b) deferred compensation plan considered excess contributions when AGI exceeds $208,000 (married, filing jointly)?

dmertz — Thu, 17 Feb 2022 12:49:10 GMT

A 457(b) plan is not an IRA. Roth IRA contribution limitations have nothing to do with a Roth account in a 457(b) plan.

Re: Refund Advance

Mrmasby81 — Thu, 17 Feb 2022 15:42:29 GMT

Would you know if there's a delay for the advance refund from the IRS?

Re: Refund Advance

SweetieJean — Thu, 17 Feb 2022 15:43:32 GMT

Please clarify. The IRS does not issue Advance Refunds.

Re: Refund Advance

Mrmasby81 — Thu, 17 Feb 2022 15:46:42 GMT

I did my taxes through turbotax and I was approved for an refund Advance through credit karma, I received text messages at 2:30 AM saying that my credit karma account balance is $4000 but credit karma saying they have no pending deposits and they also said that the advancement is coming from the IRS

Re: Are Roth contributions to a 457(b) deferred compensation plan considered excess contributions...

Katina S — Sun, 20 Feb 2022 01:13:08 GMT

Check out our FAQ regarding when you will get your Refund Advance. For additional information, please visit the Credit Karma Help Center or call Credit Karma toll-free at 833-588-0232.

@Mrmasby81