Contribution limits for your retirement savings in 2025
Save for the retirement you want to have and maximize your contributions within the IRS limits for 2025.
Effective Jan. 1, 2025, in addition to additional contributions at age 50, participants age 60-63 may contribute additional before-tax and Roth contributions. Review the 2025 IRS limits to understand what your limits are for 2025.
IRS Limits for Stanford Contributory Retirement Plan (SCRP) Contributions
| CONTRIBUTION TYPE | 2025 LIMIT |
403(b) Before-Tax Limit Increases You may be eligible to contribute before-tax dollars to save for retirement in the TDA and CRA accounts within Stanford's retirement plan. Note this before-tax limit also includes your Roth contributions. | $23,500 if you were born in 1976 or later $31,000 if you were born in 1966 through 1975 $34,750 if you were born in 1962 through 1965 $31,000 if you were born in 1961 or earlier |
Total Retirement Contribution Limit Increases The IRS caps the sum of your retirement savings contributions. This total includes:
| $70,000 if you were born in 1976 or later $77,500 if you were born in 1966 through 1975 $81,250 if you were born in 1962 through 1965 $77,500 if you were born in 1961 or earlier Or 100% of your compensation, whichever is less |
Your before-tax and total contribution limits are automatically adjusted based on your age and year of birth. Once you reach the IRS-defined limit, your contributions will automatically stop to ensure you don't exceed it.
When You Can Make Changes to Your SCRP?
You can make changes to your retirement savings contributions anytime during the year, following this schedule:
- Changes made by 5 p.m. on the 10th of the month will be reflected in the paycheck on the 22nd. The deadline to make 2024 contribution changes and have them reflected on your last paycheck of the year is 5 p.m. PT on Tues., Dec. 10, 2024.
- Changes made by noon on the 25th will be reflected in the paycheck on the 7th of the following month. To ensure your elections are reflected on your first paycheck of 2025, update your new elections between Dec. 11 and Dec. 24 at 5 p.m. PT.
- New hires and rehires can set their elections after their first paycheck.
- Review the 2025 payroll deadlines through Google Drive
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