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?


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. – JTP - Apologise to Monica Aug 15 '13 at 18:58
  • 1
    @Joe yes, vesting is not a factor for these limitations. – littleadv Aug 15 '13 at 19:01

Your Answer

By clicking “Post Your Answer”, you agree to our terms of service, privacy policy and cookie policy

Not the answer you're looking for? Browse other questions tagged or ask your own question.