Estimated Future Annual Contributions

Enter the annual amount you and your employer expect to invest in your retirement accounts. Be sure to include any employer matching contributions.

Annual IRS limits on contributions to 401(k) and 403(b) plans, IRAs and SIMPLE plans are shown below. Employer-sponsored plans may designate a lower limit. The calculator does not apply these limits, so it is possible to overstate your contributions.

401(k)/403(b) annual contribution limits

Tax year	Age 49 and under	Ages 50–59 and 64 and over	Ages 60–63
2025	$23,500	$31,000	$34,750

IRA annual contribution limits

Tax year	Age 49 and under	Age 50 and over
2025	$7,000	$8,000

SIMPLE plan contribution limits

			Additional catch-up salary deferral contribution if permitted by plan
Tax year	Plan size (# of employees)	Ages 49 and under	Ages 50–59 and 64 and over	Ages 50–59 and 64 and over
2025	25 or fewer	$17,600 or 100% of participant compensation, whichever is less	$3,850	$5,250
2025	26 or more	$16,500 or $17,600 if higher employer contributions are made*	$3,500 or $3,850 if higher contributions are made*	$5,250

Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.

Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.

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Capital Client Group, Inc.

This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.