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2022 IRS Retirement Plan Contribution Limits

November 4, 2021

The IRS has released the Annual Plan Limitations for 2022 for defined contribution and defined benefit plans. 403(b), 457(b), & 401(k) elective deferral, catch-up and other key limits are listed below.

 2021 Limits2022 Limits
Employee Elective Deferrals to the 403(b), 457(b) and 401(k) Plans $19,500 $20,500
Catch-Up Contributions (Age 50 or older) to the 403(b), 457(b) and 401(k) Plans$6,500 $6,500
Annual Addition Dollar Maximum (applies to Employer-paid 401(a), 403(b) and 401(k) Plans)$58,000 $61,000
Defined Benefit Dollar Maximum $230,000 $245,000
Highly Compensated Employee Threshold (applies mainly to 401(k) Plans)$130,000 $135,000
Key Employee Threshold (applies mainly to 401(k) Plans)$185,000 $200,000
Annual Compensation (applies to almost all retirement plans)$290,000 $305,000
Annual IRA contribution
$6,000 $6,000
IRA catch-up contributions (age 50 and older; unchanged)$1,000 $1,000

Click here to download a PDF version of this information.
Click here to view a complete list of 2022 IRS limits.
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