Decoder · Accounts
A retirement plan built for small employers — the kind with a handful of staff, where no 401(k) exists. It works like a lighter workplace plan: money comes out of your paycheck, and your employer is required to add some (a match of up to 3% of pay, or 2% for everyone). The 2026 limit is $17,000, with a $4,000 catch-up at 50+ and $5,250 at ages 60–63.
401(k), in plain words403(b), in plain wordsEmployer match, in plain words
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