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Retirement & Benefits

Contribution Limit

Also called: annual contribution limit, 402(g) limit, annual allowance

A contribution limit is the annual maximum you can put into a tax-advantaged account, set by statute and usually indexed to inflation. The limits stack in specific ways that are easy to get wrong: the employee deferral limit applies across all 401(k)s you hold in a year, while a separate, much higher total limit covers employer contributions and after-tax money. Exceeding a limit triggers penalties until it's corrected.

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