Scenario Planning

Understand how your 403(b) works and how to make the most of it before you retire &mdash; contribution and catch-up limits, investment options and fees, withdrawal rules, RMDs, and rollovers, all tailored to public school, nonprofit, and public-sector employees 50 and up.

About This Class

<h6 style="text-align: right;">Last Updated: July 30, 2026</h6>
If you spent your career in a classroom, a hospital, a nonprofit, or a house of worship, you very likely have a 403(b) &mdash; and if you are 50 or older, understanding exactly how it works has never mattered more. The decisions you make about your 403(b) in the years leading up to retirement can meaningfully shape what your income looks like once you stop working.
A 403(b) is a tax-deferred retirement savings plan &mdash; meaning you pay taxes on the money later, in retirement, rather than now &mdash; built specifically for employees of public schools, colleges and universities, nonprofit organizations that qualify under IRS Section 501(c)(3), and certain religious organizations. Think of it as the nonprofit and public-sector version of the 401(k): same core concept, same tax advantages, structured for the sector where you built your career.
Here is how the basics work: money is withheld from your paycheck before taxes and deposited into your 403(b) account. That reduces your taxable income today. The money then grows without being taxed year after year &mdash; and you pay taxes only when you take money out, typically in retirement when many people are in a lower tax bracket.1
For people in their 50s and 60s, the 403(b) also comes with some significant contribution advantages that younger workers do not have &mdash; including higher limits and a special catch-up provision for those who have stayed with the same employer for 15 or more years. We will cover all of that in Lesson 2.
In this class, we will look at what a 403(b) is, who is eligible, and how to confirm whether you are already enrolled &mdash; or whether you should be contributing more.
 SOURCES
<ol>
<li>"IRC 403(b) Tax-Sheltered Annuity Plans." Internal Revenue Service. irs.gov/retirement-plans/irc-403b-tax-sheltered-annuity-plans. Accessed July 2026.</li>
</ol>

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<h6 style="text-align: right;">Last Updated: July 30, 2026</h6>
The IRS gives older workers a significant advantage when it comes to 403(b) contributions &mdash; and a law called SECURE 2.0, signed in 2022, added an even higher limit for a specific age window that took effect in 2025.
 The 2026 Contribution Limits
For 2026, the standard limit on how much you can contribute from your salary to a 403(b) is $24,500. That is the baseline for every eligible employee, regardless of age.1
But if you are 50 or older, you are not limited to that number.
 The Age 50+ Catch-Up: $8,000 More
If you are 50 or older by December 31 of this year, you can contribute an additional $8,000 on top of the standard limit. That brings your total potential contribution to $32,500 in 2026. This is the standard catch-up contribution, and it exists because the IRS recognizes that the years just before retirement are often when people can contribute the most. Every additional dollar contributed now still has time to make a difference.1
 The Age 60&ndash;63 Super Catch-Up: $11,250 More
If you turn 60, 61, 62, or 63 in 2026, you qualify for an even higher catch-up contribution of $11,250 &mdash; instead of the $8,000 standard catch-up. That brings your potential total to $35,750 in 2026. This enhanced limit was added by a law called SECURE 2.0, signed in 2022, and took effect in 2025.&sup1;
These four years are one of the most powerful savings windows available to you. If you are in this range and not yet contributing at the maximum, it is worth talking to your plan administrator about increasing your deferral to take full advantage of it.
One thing to be aware of: once you turn 64, you return to the standard $8,000 catch-up. The higher $11,250 limit applies only during those four specific years.
 The 15-Year Service Catch-Up
There is one more catch-up provision that is unique to 403(b) plans and especially relevant for longtime public school teachers, hospital employees, and church workers. If you have worked for the same qualifying organization for 15 or more years, you may be eligible to contribute up to an additional $3,000 per year, for a lifetime maximum of $15,000 under this rule.1
If both catch-ups apply to you, the IRS requires the 15-year catch-up to be used first, and the age-based catch-up fills in after. Your plan administrator can walk you through how this works in your specific situation.
 The Overall Cap: $72,000
There is also a combined limit on everything going into your account from all sources. In 2026, the total of your contributions plus any employer contributions cannot exceed $72,000 (or 100% of your compensation, whichever is less).&nbsp;
 If You Also Have a 401(k) or SIMPLE IRA
One important rule to know: if you are contributing to both a 403(b) and a 401(k) &mdash; for example, if you work a second job that offers a 401(k) &mdash; those contributions count toward the same $24,500 annual deferral limit. The limits are combined, not separate.
A 457(b) is different. It is a separate type of retirement plan offered by some state and local government employers and certain nonprofits. If your employer offers both a 403(b) and a 457(b), you can contribute the full limit to each plan independently &mdash; they do not count against each other. That means a public school teacher or government hospital employee who has access to both could potentially contribute $24,500 to each plan in the same year, effectively doubling their tax-deferred savings opportunity.&sup1;
If you are 50 or older and not yet maximizing your catch-up contributions, now is a good time to look at what your budget allows and consider increasing your deferral before you retire.
 SOURCES 
<ol>
<li>"Retirement Topics &mdash; 403(b) Contribution Limits." Internal Revenue Service. irs.gov/retirement-plans/plan-participant-employee/retirement-topics-403b-contribution-limits. Accessed July 2026.</li>
</ol>

<h6 style="text-align: right;">Last Updated: July 30, 2026</h6>
Once your money is in the plan, it needs somewhere to go. Unlike a personal brokerage account where you can invest in nearly anything, a 403(b) limits your choices to what your employer and their selected vendors make available. For people closer to retirement, understanding these options &mdash; and their costs &mdash; matters a great deal.
Most plans offer two main investment types:
 Annuities
An annuity is a contract between you and an insurance company. Inside a 403(b), you may encounter three types:
<ul>
<li>Fixed annuities &mdash; the insurer guarantees a minimum interest rate and steady payment schedule. Regulated by state insurance commissions. Can appeal to people who want predictability in retirement income.</li>
<li>Variable annuities &mdash; you direct contributions into investment options, usually mutual funds. Your payout depends on how those investments perform. Regulated by the SEC.</li>
<li>Indexed annuities &mdash; returns are tied to a market index like the S&amp;P 500, with some downside protection built in. A hybrid of the two types above.</li>
</ul>
Annuities within 403(b) plans have historically come with higher fees than mutual fund options. If your plan includes annuities, be sure to read the fine print on surrender charges, which are fees you pay if you want to move your money before a set period ends.
 Mutual Funds
A mutual fund pools money from many investors and invests it across stocks, bonds, or a mix of both. They are held directly inside your 403(b) and tend to be more straightforward to understand and compare. Target-date funds, which automatically shift toward more conservative investments as you approach a specific retirement year, are a common mutual fund option that many people in their 50s and 60s find useful.1
Some plans also offer a self-directed brokerage option that includes ETFs (exchange-traded funds, which are similar to mutual funds but trade on a stock exchange) and other investments. This is not common, but if your plan offers it, your plan contact can walk you through what is available.
No single investment type is automatically better than another &mdash; but as you get closer to retirement, the balance between growth potential and stability typically shifts. It is worth reviewing what your plan offers and whether your current allocation still fits where you are headed. 
SOURCES
<ol>
<li>"Updated Investor Bulletin: Retirement Investing Through 403(b) and 457(b) Plans." U.S. Securities and Exchange Commission / Investor.gov. investor.gov/introduction-investing/general-resources/news-alerts/alerts-bulletins/investor-bulletins/investor-8. Accessed July 2026.</li>
</ol>

<h6 style="text-align: right;">Last Updated: July 30, 2026</h6>
Every investment option in your 403(b) has a cost attached to it, even if no one has ever pointed that out to you.
Expense ratios &mdash; Every mutual fund charges an annual fee to cover its operating costs. This fee is expressed as a percentage of your balance. For example, a 0.10% expense ratio on a $100,000 account costs you $100 a year. A 1.00% ratio on that same account costs you $1,000 a year, automatically deducted from your returns whether the market goes up or down.
Annuity fees &mdash; Annuities tend to carry more fees than mutual funds, and they are not always easy to find. These can include administrative fees, insurance-related charges, and surrender charges &mdash; penalties you pay if you want to move your money out before a set number of years have passed.
Recordkeeping fees &mdash; Separate from the investment fees, your plan's administrator may also charge fees just to maintain your account. These are sometimes listed as account maintenance or recordkeeping fees.
A difference of even 0.5% in annual fees may not sound like much, but over 10 or 15 years it adds up to a meaningful amount of money, potentially tens of thousands of dollars less in your account by the time you need it.&sup1;
A good place to start is asking your plan contact these questions:
<ul>
<li>
What is the total annual cost for each investment option I am in?
</li>
<li>
Are there any penalties if I want to move my money to a different option or roll it over?
</li>
<li>
Are you receiving any compensation for recommending this product to me?
</li>
</ul>
This information is available to you &mdash; check your plan statement or reach out for help finding it.
 SOURCES
<ol>
<li>"Updated Investor Bulletin: Retirement Investing Through 403(b) and 457(b) Plans." U.S. Securities and Exchange Commission / Investor.gov. investor.gov/introduction-investing/general-resources/news-alerts/alerts-bulletins/investor-bulletins/investor-8. Accessed July 2026.</li>
</ol>

<h6 style="text-align: right;">Last Updated: July 30, 2026</h6>
Understanding when and how you can access your 403(b) is essential planning knowledge for anyone in their 50s and 60s. The rules around withdrawals will directly affect your retirement income strategy &mdash; and getting the timing right can save you a meaningful amount in taxes and penalties. 
When You Can Withdraw Without Penalty
You can take distributions from your 403(b) without the 10% early withdrawal penalty in any of these situations:
<ul>
<li>
You reach age 59&frac12;
</li>
<li>
You separate from your employer &mdash; whether you retire, resign, or are laid off &mdash; and you are 55 or older in that calendar year (see the Rule of 55 section below)
</li>
<li>
You become permanently disabled
</li>
<li>
You qualify for a hardship distribution under your plan's terms
</li>
</ul>
If you pass away, your named beneficiaries can access the funds in your account without the 10% penalty as well.
Even when you withdraw penalty-free, the amount is still taxed as ordinary income in the year you receive it (unless it comes from a Roth 403(b) account). 
The Age 55 Rule
If you separate from your employer in or after the year you turn 55, you may be able to take withdrawals from that employer's 403(b) without the 10% penalty &mdash; even before you turn 59&frac12;. This is known as the Rule of 55, and it applies whether you retire, resign, or are laid off.
If you work in a qualifying public safety role, such as law enforcement, firefighting, emergency medical services, or corrections, the threshold drops to age 50. Qualified public safety employees can take penalty-free withdrawals from a governmental plan after separating from service in the year they turn 50, or after completing 25 years of service under the plan, whichever comes first.
Two things to keep in mind for both rules: not all plans allow distributions immediately after separation, so check with your plan contact to confirm. And if you plan to use either rule, do not roll the account into an IRA first &mdash; the exception applies only while the money remains in the 403(b).&sup1; 
Required Minimum Distributions (RMDs)
The IRS requires you to start withdrawing a minimum amount from your 403(b) each year once you reach a certain age. These are called Required Minimum Distributions, or RMDs. When that age begins depends on when you were born:
<ul>
<li>
Born between 1951 and 1959 &mdash; RMDs begin at age 73
</li>
<li>
Born in 1960 or later &mdash; RMDs begin at age 75
</li>
</ul>
You do not get to choose whether to take them. If you miss an RMD or withdraw less than the required amount, the IRS penalty is significant.&sup2;
RMD amounts are calculated each year based on your account balance and IRS life expectancy tables. Many plan administrators will walk you through this and send an annual reminder, but the responsibility is ultimately yours. If you are getting close to your RMD age, this is a good planning step to put on your radar now.
One thing worth knowing: if you are still working and contributing to your current employer's 403(b), you may be able to delay RMDs from that specific account until you retire. Not all plans allow this, so check with your plan contact to confirm. This does not apply to 403(b) accounts from previous employers.
 Early Withdrawals Before 59&frac12;
If you take money out before 59&frac12; without a qualifying exception, you owe income taxes on the full amount plus a 10% penalty. Before going that route, check whether you qualify for the Rule of 55 or another exception listed above &mdash; and consider other options such as a loan from the plan or a hardship provision.&sup2; 
SOURCES
<ol>
<li>"Retirement Topics &mdash; Exceptions to Tax on Early Distributions." Internal Revenue Service. irs.gov/taxtopics/tc558. Accessed July 2026. </li>
<li>"Retirement Plans FAQs Regarding 403(b) Tax-Sheltered Annuity Plans."&nbsp;Internal Revenue Service. irs.gov/retirement-plans/retirement-plans-faqs-regarding-403b-tax-sheltered-annuity-plans. Accessed July 2026.</li>
</ol>

<h6 style="text-align: right;">Last Updated: July 30, 2026</h6>
Many people in their 50s and 60s have worked for more than one employer &mdash; which means they may have more than one 403(b), or a mix of 403(b) and 401(k) accounts from different jobs. Understanding your rollover options is an important part of getting organized as retirement approaches.
When you leave a job &mdash; whether by retiring, changing positions, or taking a separation &mdash; you generally have four options for your 403(b):
<ul>
<li>
Leave it where it is &mdash; if your former employer allows it, your money stays in the existing plan. This can make sense if the plan has good investment options and low fees.
</li>
<li>
Roll it into your new employer's plan &mdash; if you are moving to a new job with a compatible retirement plan, you may be able to transfer your balance directly into your new account.
</li>
<li>
Roll it into an IRA &mdash; this gives you broader investment choices and keeps your money growing without being taxed until you withdraw it. Your financial institution can help you explore what options are available to you.
</li>
<li>
Convert it to a Roth IRA &mdash; future withdrawals are tax-free, but you will owe taxes on the amount you convert in the year you do it. Your financial institution can help you think through whether this makes sense for your situation. 
</li>
</ul>
Direct vs. Indirect Rollover
The mechanics of how you move the money matter. A direct rollover means the funds go straight from your 403(b) to the new account &mdash; you never touch the money and there is no tax withholding. An indirect rollover means the check is issued to you, and you have 60 days to deposit it into the new account. If you miss that 60-day window, the entire amount is treated as a taxable distribution. If you are under 59&frac12;, you will also owe the 10% early withdrawal penalty.&sup1;
When moving retirement funds, a direct rollover is generally the cleaner option and eliminates the risk of a costly mistake. 
Consolidating Multiple Accounts
If you have accumulated 403(b) or 401(k) accounts at multiple past employers, consolidating them can make your retirement income planning considerably easier. Fewer accounts means fewer RMD calculations, simpler beneficiary designations, and a clearer picture of what you actually have. Your financial institution can help you explore your options and find an approach that works for your situation. 
Qualified Charitable Distributions (QCDs)
Once you roll your 403(b) into a traditional IRA, you may become eligible for a Qualified Charitable Distribution, or QCD. A QCD allows you to donate money directly from your IRA to a qualifying charity &mdash; and that amount is excluded from your taxable income entirely. You never touch the money; it goes straight from your IRA to the organization.
To be eligible, you must be at least 70&frac12; years old. The annual limit is adjusted each year for inflation &mdash; check the current year's limit with your plan contact or at IRS.gov. If you are subject to Required Minimum Distributions, a QCD can also count toward satisfying your RMD for the year, meaning you fulfill your IRS obligation while supporting a cause you care about, without the distribution adding to your taxable income.&sup2;
Note that QCDs are not available directly from a 403(b) or 401(k). Rolling to an IRA first is what makes this option available. Your financial institution can help you get started. &nbsp;
SOURCES
<ol>
<li>"IRC 403(b) Tax-Sheltered Annuity Plans." Internal Revenue Service. irs.gov/retirement-plans/irc-403b-tax-sheltered-annuity-plans. Accessed July 2026. </li>
<li>"Publication 590-B, Distributions from Individual Retirement Arrangements (IRAs)." Internal Revenue Service. irs.gov/publications/p590b. Accessed July 2026.</li>
</ol>

<h6 style="text-align: right;">Last Updated: July 30, 2026</h6>
In this class, you learned how a 403(b) works &mdash; and how to put it to work for you in the years ahead. Whether you are a teacher, a hospital worker, a nonprofit employee, or anyone else who has spent a career in public service, your 403(b) is one of your most powerful retirement savings tools.
Here is a recap of the key points:
<ul>
<li>
What it is: A tax-deferred retirement savings plan for employees of public schools, 501(c)(3) nonprofits, and qualifying religious organizations.
</li>
<li>
2026 contribution limits: $24,500 standard; $32,500 if you are 50 or older; $35,750 if you are 60, 61, 62, or 63 (the new SECURE 2.0 super catch-up).
</li>
<li>
15-year catch-up: A provision unique to 403(b) plans &mdash; if you have worked for the same qualifying employer for 15+ years, you may be eligible for an extra $3,000 per year, up to $15,000 lifetime.
</li>
<li>
Investment options: Annuities (fixed, variable, indexed) and mutual funds &mdash; limited to what your employer and vendor offer. Review fees carefully.
</li>
<li>
Withdrawals: Penalty-free starting at 59&frac12; (or at 55 if you separate from your employer in that year or after). RMDs begin at 73 or 75 depending on when you were born.
</li>
<li>
Rollovers: Always use a direct rollover. Consider consolidating multiple old accounts &mdash; your financial institution can help you explore your options.
</li>
</ul>
If there is one thing worth taking away from this class, it is this: you are now in the years when your 403(b) decisions have the most impact. Contribution levels, investment allocation, and distribution timing all carry more weight when retirement is within sight. The attention you give it now can make a real difference later.
 Next Steps
<ul>
<li>
To learn how taxes will work in retirement and how your 403(b) withdrawals will be taxed, visit our Taxes in Retirement 101 class
</li>
<li>
To explore how Required Minimum Distributions work and how to plan for them, visit our Understanding Required Minimum Distributions class
</li>
</ul>
 Not affiliated with the U.S. government or federal retirement programs. 
SOURCES
<ol>
<li>"IRC 403(b) Tax-Sheltered Annuity Plans." Internal Revenue Service. irs.gov/retirement-plans/irc-403b-tax-sheltered-annuity-plans. Accessed July 2026. </li>
<li>"Retirement Topics &mdash; 403(b) Contribution Limits."&nbsp;Internal Revenue Service. irs.gov/retirement-plans/plan-participant-employee/retirement-topics-403b-contribution-limits. Accessed July 2026. </li>
<li>"Retirement Plans FAQs Regarding 403(b) Tax-Sheltered Annuity Plans."&nbsp;Internal Revenue Service. irs.gov/retirement-plans/retirement-plans-faqs-regarding-403b-tax-sheltered-annuity-plans. Accessed July 2026. </li>
<li>"Updated Investor Bulletin: Retirement Investing Through 403(b) and 457(b) Plans."&nbsp;U.S. Securities and Exchange Commission / Investor.gov. investor.gov/introduction-investing/general-resources/news-alerts/alerts-bulletins/investor-bulletins/investor-8. Accessed July 2026.</li>
</ol>

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Scenario Planning Category

Understanding Your 403(b)

Want to learn more? Unlock all lessons in this class now and access them forever. Your first class is always free.

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Understanding Fees — and Why They Matter Even More Near Retirement

Taking Money Out — Rules, Penalties, and Timing

Your Investment Options Inside a 403(b)

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