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Retirement Contribution Limits Calculator

Use this retirement calculator to estimate your contributions.

  • Select which year to calculate contributions
  • Select from "Full-Time" or "Part-Time"
  • MM slash DD slash YYYY
  • MM slash DD slash YYYY
    If not applicable, please leave blank
  • Total Earnings should include the base salary, wages, or other payments paid to a minister, including any employee contributions to the RCA 403(b) Retirement Program, and any funds given directly to the minister to pay for medical insurance. It does not include any office allowance, vehicle allowance, education assistance allowance, bonus, or self-employment tax contributions (SECA) that are provided to assist with Social Security and Medicare tax obligations.
    If 'yes', total earnings will be grossed up 40%
Eligible Pay

Eligible pay is defined as 100% of total earnings or gross up by 40% if a parsonage is provided.

$0

Required Contributions

For calendar year based on hire and termination dates provided.
Contributions payable can be paid semimonthly, monthly, quarterly, or annually

$0

  • The above results may be different if you use other calculation softwares or prorate methodologies.
  • Full-Time Ministers: 11% of compensation, or current EBPH amount to the RCA 403(b) Retirement Program, whichever is greater.
  • Part-Time Ministers: 11% of compensation to the RCA 403(b) Retirement Program (EBPH amount does not apply.)
  • Effective Buying Power per Household (EBPH):
    • 2025: $8,599
    • 2024: $8,236

The Internal Revenue Service annually updates the cost-of-living and required statutory limit adjustments applicable to retirement plans. The following limits are the most recent published by the IRS.

Annual Limit per Individual 2022 2023 2024
Elective deferral limit under Code § 402(g) $20,500 $22,500 $23,000
Age 50 catch-up contribution limit under Code § 414(v) $6,500 $7,500 $7,500
Contributions to a defined contribution plan
the lesser of 100% of compensation or:		 $61,000 $66,000 $69,000