Make the most of your Savings Opportunities.
While you can make changes at any time during the year to supplemental retirement savings in a 403(b) or 457, Open Enrollment is a good time to review your contributions, get up to date with contribution limits, and check out how much you've saved.
Contribution Limits for Supplemental Savings Plans 403(b) and 457 for 2027 may change, but will be announced in November.
2026 IRS Contribution Limits
Select the age range you will be in at the end of the 2026 calendar year to see the contribution limit that applies to you.
Your 2026 limit
Age 49 and under
If you are age 49 or younger at the end of the calendar year, the standard annual contribution limit applies.
Your 2026 limit
Ages 50–59
If you are age 50 through 59 at the end of the calendar year, you may make the additional Age 50+ Catch-Up contribution of $8,000.
Your 2026 limit
Ages 60–63
If you are age 60 through 63 at the end of the calendar year, you may use the Super Catch-Up amount of $11,250.
Your 2026 limit
Age 64+
Beginning with the calendar year in which you turn 64, the Super Catch-Up no longer applies and your limit returns to the Age 50+ Catch-Up amount of $8,000.
403(b) & 457 Supplemental Savings
Choose your retirement plan, the number of paychecks you receive each year, and the amount you contribute per paycheck to estimate the UVA cash match that may be available to you.
UVA matches 50% of eligible contributions, up to $40 per month. To receive the maximum $480 annual UVA cash match, you must contribute at least $960 during the year.
Your estimated UVA cash match
Your UVA cash match account: Your eligible 403(b) and/or 457 contributions are used to determine the amount of your one UVA cash match. The match is deposited into a separate UVA cash match account, not into your 403(b) or 457. When the cash match account is opened, you choose Fidelity or TIAA to administer it.
Your contribution guidance will appear here after you calculate your estimate.
VRS Hybrid Retirement Plan
VRS Hybrid participants have two different match opportunities. First, voluntary contributions to the Hybrid 457 can receive a separate employer contribution to the Hybrid 401(a) of up to 2.5%. After you contribute the full voluntary 4%, you may also be eligible for UVA's supplemental 403(b)/457 cash match.
1. How many paychecks do you receive each year?
2. Which 2026 457 contribution limit applies to you?
Choose this option only if VRS has approved you for the Standard Catch-Up. Enter the total annual 457 contribution limit VRS approved for 2026. Do not try to calculate your unused prior-year contribution room yourself. The approved limit cannot exceed $49,000.
Your Hybrid voluntary contributions count toward this same annual 457 limit. That includes the COV 457 Deferred Compensation Plan or another 457 plan offered by your employer.
Approved Standard Catch-Up: Select that option only if VRS has given you a specific approved annual contribution limit for 2026. Enter that approved total limit directly into the tool.
If you reach the annual limit before the end of the year, your Hybrid voluntary contributions and the associated employer match stop. Hybrid voluntary contributions are pre-tax only, so planning the annual amount matters.
3. Are you contributing the full 4% voluntary contribution to your VRS Hybrid plan?
You have met the VRS Hybrid prerequisite. Because you contribute the full 4% voluntary contribution, you may be eligible for the separate UVA cash match when you contribute to a supplemental 403(b), 457, or both.
Enter your expected total voluntary Hybrid 457 contribution for the year, not the mandatory contribution. If your rate changed during the year, use your actual or expected annual dollar total rather than simply multiplying your current rate by salary.
5. Where are you making supplemental contributions?
One supplemental UVA cash match: Eligible 403(b) and/or 457 contributions are combined when determining the amount of the match. You do not receive a separate cash match for each account.
457 annual-limit check: The Hybrid voluntary contribution and any supplemental 457 contribution share the same annual 457 limit. This tool checks the 457 portion against the remaining room you have for 2026.
6. Enter your contribution per paycheck.
Enter the dollar amount contributed from a typical paycheck. Enter numbers only; do not include a dollar sign or commas.
Contributing by percentage? Check a recent pay statement to find the dollar amount contributed to your 403(b) for that paycheck. Use a typical paycheck to estimate your contribution here. Your actual annual contribution may vary if your pay changes.
Contributing by percentage? Check a recent pay statement to find the dollar amount contributed to your 457 for that paycheck. Use a typical paycheck to estimate your contribution here. Your actual annual contribution may vary if your pay changes.
Contributing by percentage? Check a recent pay statement to find the dollar amount contributed to your 403(b) and your 457 for that paycheck. Use a typical paycheck to estimate your contribution here. Your actual annual contribution may vary if your pay changes.
You are not yet eligible for the supplemental 403(b)/457 cash match. VRS Hybrid participants must first contribute the full voluntary 4% to the Hybrid plan.
You may also be leaving employer matching contributions on the table within the Hybrid plan itself. Enter your annual salary below to see what each voluntary contribution rate could mean in dollars.
Enter numbers only; do not include a dollar sign or commas. For 2026, this calculator uses no more than $360,000 of VRS creditable compensation when calculating Hybrid contribution and employer-match percentages. The employee's Hybrid 457 contribution counts toward the annual 457 limit; the employer's Hybrid 401(a) match does not.
Ready to update your voluntary Hybrid contribution? Log in to your Voya account . If you have never logged in before, register your account with Voya and create a login and password.
Check your Voya account before continuing. Review your current voluntary Hybrid contribution election to see whether you are contributing the full 4%. Also note your year-to-date voluntary contribution amount so you can estimate your total voluntary Hybrid 457 contribution for 2026.
Log in to your Voya account . If you have never logged in before, register your account with Voya and create a login and password.
You can contribute up to an additional voluntary 4% to the Hybrid defined contribution plan and receive up to a 2.5% employer match.
VRS Hybrid • Supplemental Savings
2026 457 limit check: Your 457 limit information will appear here after you calculate your estimate.
Your UVA cash match account: The supplemental cash match is deposited into a separate cash match account, not into your 403(b) or 457. When the account is opened, you choose Fidelity or TIAA to administer it.
Your contribution guidance will appear here after you calculate your estimate.
VRS Hybrid Voluntary Contribution
Applicable 2026 457 limit: $24,500.00.
Only the employee's Hybrid 457 voluntary contribution reduces this 457 limit. The employer matching contribution is deposited into the Hybrid 401(a) Cash Match Plan and is not subtracted from this limit.
Your 4% Hybrid contribution summary will appear here.
| Your voluntary rate | Your Hybrid 457 contribution per paycheck | Annual Hybrid 457 contribution | Employer match rate | Annual Hybrid 401(a) employer match | Remaining 2026 457 room |
|---|---|---|---|---|---|
| Enter your salary and select “See My Hybrid Contribution & Match Options.” | |||||
How to read this chart: The employee voluntary percentage is applied to VRS creditable compensation, capped at $360,000 for this 2026 estimate. The employee amount goes to the Hybrid 457 and reduces the employee's remaining 457 room. The employer match is calculated separately and goes to the Hybrid 401(a) Cash Match Plan; it does not reduce the employee's annual 457 limit.
At the full 4% voluntary contribution, the employer match reaches 2.5%. Once you are contributing the full voluntary 4%, you may then be eligible for UVA's separate supplemental 403(b)/457 cash match.
Watch the annual 457 limit: Your Hybrid 457 voluntary contributions and supplemental 457 contributions share the same annual 457 limit. If those employee contributions reach the limit before year-end, Hybrid voluntary deductions stop and the associated Hybrid employer match also stops. The employer match itself is deposited into the Hybrid 401(a) and does not use up the 457 limit.
Calculator ready.
MCRP Supplemental Savings
Choose your MCRP plan and supplemental savings account to see the UVA cash match opportunity that may be available to you. MCRP participants covered by this tool receive 26 paychecks each year.
MCRP cash match
| Contribution rate | Your contribution per paycheck | Your annual contribution | Estimated annual UVA match |
|---|
Where your UVA cash match goes: Your UVA cash match is deposited into a separate cash match account through Fidelity or TIAA. You choose the provider when the cash match account is opened.
This short video outlines the UVA retirement plan, optional supplemental savings program, and how your savings will compound over time.
If you are eligible for one of the retirement plans above, you may also have a supplemental savings plan. Housestaff, temps, and wage employees may also enroll in a supplemental savings plan but are not eligible for a cash match.
Learn More about Supplemental SavingsRetirement planning sessions with TIAA, Fidelity, Voya and VRS are available through the signup links below.
You can choose to meet virtually or in-person. Watch the video to learn how to make the most of your appointment.
You can choose to meet virtually or in-person.
You can choose to meet virtually or in-person.
The Open Enrollment process for all Postdoctoral Fellows (non-UVA employees) is managed through UVA Human Resources. For additional information specific to Postdoctoral Fellows, contact Corinne Clasbey or Rachel Short.
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