6

My company makes a significant match to my 401(k) contributions. Unfortunately, that match is not vested till the middle of next year. Would this contribution count against the annual 2013 contribution limit of $17500?

9

Employers' match doesn't count towards your annual limit (the $17500 this year), but it does count towards the overall limit ($51K this year).

For details on these limits see the IRS news release.

  • And the vested/not vested makes no difference, correct? eg they can't deposit, say, 200k but claim it has a 4 year vest. – JoeTaxpayer Aug 15 '13 at 18:58
  • 1
    @Joe yes, vesting is not a factor for these limitations. – littleadv Aug 15 '13 at 19:01

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