topic Does the 401k contribution limits include both my contribution AND my employer match or is it just my contribution? in Retirement tax questions

Does the 401k contribution limits include both my contribution AND my employer match or is it just my contribution?

roblee3 — Mon, 23 Feb 2026 09:33:10 GMT

Not much else to it, just want to make sure I don’t go over.

Re: Does the 401k contribution limits include both my contribution AND my employer match or is it...

MarilynG1 — Wed, 01 Feb 2023 01:58:38 GMT

Just your contribution.

Here are the highlights:

Annual employee contribution limit (2022): $20,500
Additional catch-up contributions for those age 50 and older (2022): $6,500
Income limits for contributions: None, but employee contributions can not exceed wages
Matching contributions: Depends on your employer's plan

Here's more detailed info on Retirement Accounts.

Re: Does the 401k contribution limits include both my contribution AND my employer match or is it just my contribution?

dmertz — Wed, 01 Feb 2023 12:50:36 GMT

In addition, the overall (section 415(c)) limit on additions to your 401(k) for 2022 is the lesser of your compensation for the year or $61,000. If you are over age 50 in 2022, increase that by the $6,500 catch-up for elective deferrals.