Make the most of your Savings Opportunities.
While, most employees will not make retirement plan elections during Open Enrollment, and this information is provided for newly hired and newly eligible employees, it can be helpful 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 defined contribution plan can receive an employer match 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. 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.
3. 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.
4. 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. This estimate shows only the voluntary Hybrid contribution and corresponding employer matching contribution.
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%.
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
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
| Your voluntary rate | Your contribution per paycheck | Your annual contribution | Employer match rate | Employer match per paycheck | Annual employer match |
|---|---|---|---|---|---|
| Enter your salary and select “See My Hybrid Contribution & Match Options.” | |||||
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.
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.
Your retirement plan options depend on your employment type (listed in your offer letter) and your hire date. Use the information below to determine which retirement plans are available to you.
If you are a newly hired employee, you have 60 days from your hire date to choose a retirement plan. If you do not make a selection within that time, you will automatically be enrolled in the Virginia Retirement System (VRS).
Your retirement plan choice is generally permanent and also determines your disability, accidental death and dismemberment (AD&D), and life insurance coverage.
Eligible Employees Include: University Staff, Faculty, Classified Staff, Research Associates, and Research Scientists. Note: Medical Center Team members who previously participated in the VRS Plan 1 or Plan 2 may choose VRS over MCRP by filling out a VRS-65 form.
VRS WebpageEdible Employees Include: University Staff Managerial & Professional, University Staff Executive, Faculty, Research Associates, and Research Scientists
ORP WebpageThis program is available to Medical Center employees only
MCRP WebpageThis 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.
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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