---
title: Cash Balance Chart
description: Wondering how much you can contribute to a cash balance plan? Check out our chart! Cash balance contributions are age-dependent and subject to IRS limits.
image: https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_cbc_category.svg
---

[![logo](https://www.dwc401k.com/hubfs/_global/logo.svg "logo")](https://www.dwc401k.com/)

[![logo](https://www.dwc401k.com/hubfs/Dwc-2019/SVG/logo.svg "logo")](https://www.dwc401k.com/)

[![Contribution Limits](https://no-cache.hubspot.com/cta/default/3113501/af3ae025-72b1-41fa-8855-5e196d6c26e4.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/af3ae025-72b1-41fa-8855-5e196d6c26e4)

[![Log in](https://no-cache.hubspot.com/cta/default/3113501/3466ce37-58ba-4a93-bddb-0d4c8bb8ccbc.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/3466ce37-58ba-4a93-bddb-0d4c8bb8ccbc)

[![services-icon1](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon1.png)

## Plan Document

 A properly drafted document is the foundation of achieving the company's objectives and keeping the plan in operational compliance. 

](https://www.dwc401k.com/services/plan-document) [![services-icon2](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon2.png)

## Plan Compliance

 We have a fundamental understanding of how critical plan compliance is to both the IRS and Department of Labor. 

](https://www.dwc401k.com/services/plan-compliance) [![services-icon3](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon3.svg)

## Defined Benefits Services

 We work with business owners and investment advisors to determine what makes the most sense by providing a detailed cost benefit analysis. 

](https://www.dwc401k.com/services/defined-benefits-services) [![services-icon4](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon4.svg)

## Mergers, Aquisitions & Related Company Analysis

 The DWC team is well-versed enough in the nuances and is ready to help you navigate the situation. 

](https://www.dwc401k.com/services/mergers-acquisitions-analysis) [![services-icon5](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon5.png)

## Plan Corrections

DWC's extensive experience with both the IRS and Department of Labor voluntary correction programs allows us to help you address just about any accident that might happen.

](https://www.dwc401k.com/plan-corrections) [![services-icon6](https://www.dwc401k.com/hubfs/QOTW/March%202020/services-icon6.png)

## Government Audits

 Being selected for an audit can feel overwhelming, but the process doesn't have to be. 

](https://www.dwc401k.com/services/government-audits)

![service-right-icon](https://www.dwc401k.com/hubfs/QOTW/March%202020/service-right-icon.svg)

## Investment Advisor Support

DWC has a long history of successfully partnering with investment advisors.

We bring decades of experience, supported by the resources to deliver comprehensive solutions for your clients. Our consultants understand the importance of your relationships and will work seamlessly alongside your team.

[![Learn More](https://no-cache.hubspot.com/cta/default/3113501/e8259ee4-7af4-4a93-8f14-6176b30c4ada.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/e8259ee4-7af4-4a93-8f14-6176b30c4ada)

## [ Categories ](https://www.dwc401k.com/blog)

[### DWC Developments

](https://www.dwc401k.com/blog/topic/dwc-developments) [### Industry Insights

](https://www.dwc401k.com/blog/topic/industry-insights) [### Regulatory Round-Up

](https://www.dwc401k.com/blog/topic/regulatory-round-up) [### Cash Balance Corner

](https://www.dwc401k.com/blog/topic/cash-balance-corner) [### 401(k) Q&A

](https://www.dwc401k.com/blog/topic/401k-qa) [### Operational Overview

](https://www.dwc401k.com/blog/topic/operational-overview) [### Lessons from Litigation

](https://www.dwc401k.com/blog/topic/lessons-from-litigation) [### Pension Primer

](https://www.dwc401k.com/blog/topic/pension-primer)

## [ Articles ](https://www.dwc401k.com/blog)

[![https://3113501.fs1.hubspotusercontent-na1.net/hubfs/3113501/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20without%20category%20name/hero_pp_png.png](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20without%20category%20name/hero_pp_png.png) ](https://www.dwc401k.com/blog/the-new-era-of-401ks-evaluating-private-equity-for-retirement-portfolios)

### [The New Era of 401(k)s: Evaluating Private Equity for Retirement Portfolios](https://www.dwc401k.com/blog/the-new-era-of-401ks-evaluating-private-equity-for-retirement-portfolios)

[![https://3113501.fs1.hubspotusercontent-na1.net/hubfs/3113501/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20without%20category%20name/hero_pp_png.png](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20without%20category%20name/hero_pp_png.png) ](https://www.dwc401k.com/blog/why-the-simple-to-401k-transition-is-finally-simple)

### [Why the SIMPLE-to-401(k) Transition Is Finally… Simple](https://www.dwc401k.com/blog/why-the-simple-to-401k-transition-is-finally-simple)

[![https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg) ](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-6)

### [Decoding the Alphabet Soup: What’s With All the Acronyms | Part 6](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-6)

[![https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg) ](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-5)

### [Decoding the Alphabet Soup: What’s With All the Acronyms | Part 5](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-5)

[![https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg) ](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-4)

### [Decoding the Alphabet Soup: What’s With All the Acronyms | Part 4](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-4)

[![https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20with%20category%20name/hero_rr_png_category.png](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20with%20category%20name/hero_rr_png_category.png) ](https://www.dwc401k.com/blog/in-case-of-emergency-dont-break-plan)

### [In Case of Emergency, (Don't) Break Plan!](https://www.dwc401k.com/blog/in-case-of-emergency-dont-break-plan)

[![See all](https://no-cache.hubspot.com/cta/default/3113501/da389b32-e8ba-4681-ac07-738df4376a5b.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/da389b32-e8ba-4681-ac07-738df4376a5b)

[!["Complete Control" with Recommended Contributions](https://www.dwc401k.com/hs-fs/hubfs/Blog/Cash%20Balance%20Corner/September%202020/CBC%20-%209.3.2020%20-%20Complete%20Control%20with%20Recommended%20Contributions_Retirement%20Plan%20Design.png?width=800&height=350&name=CBC%20-%209.3.2020%20-%20Complete%20Control%20with%20Recommended%20Contributions_Retirement%20Plan%20Design.png) ](https://www.dwc401k.com/blog/calculating-recommended-contributions-cash-balance-corner)

### ["Complete Control" with Recommended Contributions](https://www.dwc401k.com/blog/calculating-recommended-contributions-cash-balance-corner)

[![“Cover Me” with the Pension Benefit Guaranty Corporation](https://www.dwc401k.com/hs-fs/hubfs/CBC-8.19-PBGC.png?width=800&height=350&name=CBC-8.19-PBGC.png) ](https://www.dwc401k.com/blog/cover-me-with-pbgc)

### [“Cover Me” with the Pension Benefit Guaranty Corporation](https://www.dwc401k.com/blog/cover-me-with-pbgc)

[![10-Retirement-Compliance-Failures](https://www.dwc401k.com/hs-fs/hubfs/Blog/Blog%20Collateral%20-%20Old%20Designs/Blog%20Header%20Images_Old%20Watermarked%20Design/10-Retirement-Compliance-Failures.png?width=800&height=350&name=10-Retirement-Compliance-Failures.png) ](https://www.dwc401k.com/blog/10-common-retirement-plan-compliance-failures-found-by-the-irs)

### [10 Common Retirement Plan Compliance Failures Found by the IRS](https://www.dwc401k.com/blog/10-common-retirement-plan-compliance-failures-found-by-the-irs)

[![2020 DOL Enforcement Stats: Is the Glass Half Full or Half Empty?](https://www.dwc401k.com/hs-fs/hubfs/Blog/Question%20of%20the%20Week/3.4.2021%20DOL%20Enforcement%20Blog.png?width=800&height=350&name=3.4.2021%20DOL%20Enforcement%20Blog.png) ](https://www.dwc401k.com/blog/2020-dol-enforcement-statistics)

### [2020 DOL Enforcement Stats: Is the Glass Half Full or Half Empty?](https://www.dwc401k.com/blog/2020-dol-enforcement-statistics)

[![2020 Retirement Plan Tax Deductions - It's Not Too Late](https://www.dwc401k.com/hs-fs/hubfs/Blog%20-%204.15.2021%20-%202020%20Retirement%20Plan%20Deductions.png?width=800&height=350&name=Blog%20-%204.15.2021%20-%202020%20Retirement%20Plan%20Deductions.png) ](https://www.dwc401k.com/blog/2020-retirement-plan-deductions-not-too-late)

### [2020 Retirement Plan Tax Deductions - It's Not Too Late](https://www.dwc401k.com/blog/2020-retirement-plan-deductions-not-too-late)

[![QOTW - 5.8.2018 - 401k Distribution Rules - After Taking a Hardship Distribution How Quickly Must a Participant Stop 401k Contributions - Plan Distributions](https://www.dwc401k.com/hs-fs/hubfs/Blog/Question%20of%20the%20Week/QOTW%202018/May%202018/QOTW%20-%205.8.2018%20-%20401k%20Distribution%20Rules%20-%20After%20Taking%20a%20Hardship%20Distribution%20How%20Quickly%20Must%20a%20Participant%20Stop%20401k%20Contributions%20-%20Plan%20Distributions.png?width=800&height=350&name=QOTW%20-%205.8.2018%20-%20401k%20Distribution%20Rules%20-%20After%20Taking%20a%20Hardship%20Distribution%20How%20Quickly%20Must%20a%20Participant%20Stop%20401k%20Contributions%20-%20Plan%20Distributions.png) ](https://www.dwc401k.com/blog/whats-happens-when-you-take-a-hardship-distribution)

### [401(k) Distribution Rules: After Taking a Hardship Distribution, How Quickly Must a Participant Stop 401(k) Contributions?](https://www.dwc401k.com/blog/whats-happens-when-you-take-a-hardship-distribution)

[![See all](https://no-cache.hubspot.com/cta/default/3113501/270feba7-1532-4fb2-aaad-f6fc30d696e6.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/270feba7-1532-4fb2-aaad-f6fc30d696e6)

- [DWC](https://www.dwc401k.com/blog/topic/dwc)
- [Question of the Week (QOTW)](https://www.dwc401k.com/blog/topic/question-of-the-week-qotw)
- [Retirement Plan Design](https://www.dwc401k.com/blog/topic/retirement-plan-design)
- [401(k) Plan](https://www.dwc401k.com/blog/topic/401k-plan)
- [News](https://www.dwc401k.com/blog/topic/news)
- [Plan Compliance](https://www.dwc401k.com/blog/topic/plan-compliance)
- [Plan Distributions](https://www.dwc401k.com/blog/topic/plan-distributions)
- [Highly Compensated Employees](https://www.dwc401k.com/blog/topic/highly-compensated-employees)
- [Nondiscrimination Testing](https://www.dwc401k.com/blog/topic/nondiscrimination-testing)
- [Plan Correction](https://www.dwc401k.com/blog/topic/plan-correction)
- [Legislation](https://www.dwc401k.com/blog/topic/legislation)
- [Cash Balance](https://www.dwc401k.com/blog/topic/cash-balance)
- [Fiduciary Responsibility](https://www.dwc401k.com/blog/topic/fiduciary-responsibility)

[![See all](https://no-cache.hubspot.com/cta/default/3113501/6e4f2713-d231-4e2f-9509-351824dea8bd.png)](https://cta-redirect.hubspot.com/cta/redirect/3113501/6e4f2713-d231-4e2f-9509-351824dea8bd)

Company

### The DWC Difference

Meet our team, explore career opportunities, and learn how DWC partners with TPAs to grow.

- [About Us Who we are and our story ](https://www.dwc401k.com/about)
- [Join the 401k Experts Open roles and life at DWC ](https://www.dwc401k.com/about/careers)
- [Mergers and Acquisitions Grow faster with DWC ](https://www.dwc401k.com/mergers-and-acquisitions)

[![feature image](https://3113501.fs1.hubspotusercontent-na1.net/hubfs/3113501/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20without%20category%20name/hero_pp_png.png) ](https://www.dwc401k.com/blog/the-new-era-of-401ks-evaluating-private-equity-for-retirement-portfolios)

### <https://www.dwc401k.com/blog/the-new-era-of-401ks-evaluating-private-equity-for-retirement-portfolios>

[![feature image](https://3113501.fs1.hubspotusercontent-na1.net/hubfs/3113501/Knowledge%20Center/Pillar%20Categories%202024/PNG%20-%20without%20category%20name/hero_pp_png.png) ](https://www.dwc401k.com/blog/why-the-simple-to-401k-transition-is-finally-simple)

### <https://www.dwc401k.com/blog/why-the-simple-to-401k-transition-is-finally-simple>

[![feature image](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg) ](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-6)

### <https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-6>

[![feature image](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_pp_category.svg) ](https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-5)

### <https://www.dwc401k.com/blog/decoding-the-alphabet-soup-whats-with-all-the-acronyms-part-5>

[![DWC News Update: The CARES Act: Federal Coronavirus Relief](https://www.dwc401k.com/hubfs/Blog/Mega%20Nav%20Featured%20Blog%20Image.png) ](https://www.dwc401k.com/blog/cares-act-federal-coronavirus-relief-dwc-news-update)

## [ The CARES Act: Federal Coronavirus Relief ](https://www.dwc401k.com/blog/cares-act-federal-coronavirus-relief-dwc-news-update)

[ Back to Knowledge Center ](https://www.dwc401k.com/blog)

![Cash Balance Chart](https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_cbc_category.svg)

# Cash Balance Chart

[ DWC ](https://www.dwc401k.com/blog/author/dwc) |

 Published: 12/7/2017 

|

[Defined Benefit](https://www.dwc401k.com/blog/topic/defined-benefit), [Cash Balance](https://www.dwc401k.com/blog/topic/cash-balance), [Cash Balance Corner](https://www.dwc401k.com/blog/topic/cash-balance-corner), [Cash Balance Contribution](https://www.dwc401k.com/blog/topic/cash-balance-contribution)

| Age | 401(k) & Profit Sharing | Cash Balance | Total |
| --- | --- | --- | --- |
| 65 | $76,500 | $333,000 | $409,500 |
| 60 | $76,500 | $321,000 | $397,500 |
| 55 | $76,500 | $250,000 | $326,500 |
| 50 | $76,500 | $195,000 | $271,500 |
| 45 | $69,000 | $152,000 | $221,000 |
| 40 | $69,000 | $118,000 | $187,000 |

*  
Note that the above amounts assume maximum compensation of $345,000, no prior defined benefit accruals, and no dual plan limits.*

[![Download DWC's "Everything You Want to Know About Cash Balance Plans" Webinar on Demand Here](https://www.dwc401k.com/hs-fs/hubfs/hub_generated/resized/b3da4bae-75dd-4b6e-a2f2-defbafb1f1b6.png?width=1200&height=250&name=b3da4bae-75dd-4b6e-a2f2-defbafb1f1b6.png)](https://www.dwc401k.com/cs/c/?cta_guid=66621d8f-ecd1-4706-848b-7fe0e2bb5aeb&signature=AAH58kGjoLoPI-QdHuT54BMRd2xXA8uW6w&portal_id=3113501&pageId=5468114511&placement_guid=63f3ef01-6308-42e4-ab13-ff2429fbc01d&click=e0f48329-27fc-4457-9e84-d46b9d00d9d0&redirect_url=APefjpFw3uCiV-kRncNJZB4nQTOb-xStckO5OvRDKb6aH1boGOxG53tmJdsKGA-xfRD6gvGXOcHqye9yymx1wY2VG8tYBD5OFc_YcAYGl826JIUrhW-z3LnnCbMaPuNizkwXPIAQ7Alt0X9kM1Ax8Y3eTpSWcRPPykbJa-A0IjvRVXx7D23bqj4&hsutk=&canon=https%3A%2F%2Fwww.dwc401k.com%2Fcash-balance-chart)

<https://www.dwc401k.com/retirement-plan-design>

- Share
- [**](https://www.facebook.com/sharer/sharer.php?u=https://www.dwc401k.com/blog/cash-balance-chart&title=Cash%20Balance%20Chart&picture=https://www.dwc401k.com/hubfs/Knowledge%20Center/Pillar%20Categories%202024/SVG%20-%20with%20category%20name/hero_cbc_category.svg&description=Wondering%20how%20much%20you%20can%20contribute%20to%20a%20cash%20balance%20plan?%20Check%20out%20our%20chart!%20Cash%20balance%20contributions%20are%20age-dependent%20and%20subject%20to%20IRS%20limits.)
- [**](https://twitter.com/share?url=https://www.dwc401k.com/blog/cash-balance-chart&hashtags=)

## Browse categories

[ DWC Developments ](https://www.dwc401k.com/blog/topic/dwc-developments)

[ Industry Insights ](https://www.dwc401k.com/blog/topic/industry-insights)

[ Regulatory Round-Up ](https://www.dwc401k.com/blog/topic/regulatory-round-up)

[ Cash Balance Corner ](https://www.dwc401k.com/blog/topic/cash-balance-corner)

[ 401(k) Q&A ](https://www.dwc401k.com/blog/topic/401k-qa)

[ Operational Overview ](https://www.dwc401k.com/blog/topic/operational-overview)

[ Lessons from Litigation ](https://www.dwc401k.com/blog/topic/lessons-from-litigation)

[ Pension Primer ](https://www.dwc401k.com/blog/topic/pension-primer)

[ Browse by Topic ](https://www.dwc401k.com/knowledge-center-topics)

## Subscribe to our newsletter

### Only the Best Retirement Industry Content

Get our 401(k) and defined benefits content delivered directly to your inbox.

Subscribe for Updates

| Certificate of Fiduciary Excellence |
| --- |
|  |

#### As Featured In

[![fl-wall-street-journal](https://www.dwc401k.com/hubfs/_global/footer-logos/fl-wall-street-journal.png) ](https://www.wsj.com/articles/how-to-manage-your-target-date-fund-after-retirement-1488769981)

[![fl-the-hill](https://www.dwc401k.com/hubfs/_global/footer-logos/fl-the-hill.png) ](https://thehill.com/)

[![fl-bloomberg-BNA](https://www.dwc401k.com/hubfs/_global/footer-logos/fl-bloomberg-BNA.png) ](https://www.bloombergbna.com/)

[![fl-US-News](https://www.dwc401k.com/hubfs/_global/footer-logos/fl-US-News.png) ](https://money.usnews.com/investing/articles/2017-04-12/pros-and-cons-of-401-k-brokerage-options)

[![fl-yahoo-news](https://www.dwc401k.com/hubfs/_global/footer-logos/fl-yahoo-news.png) ](https://www.yahoo.com/news/pros-cons-401-k-brokerage-options-135040365.html)

[![fl-plan-sponsor](https://www.dwc401k.com/hubfs/_global/footer-logos/fl-plan-sponsor.png) ](https://www.plansponsor.com/cits-lower-fees-seen-as-an-advantage-over-mutual-funds/)

©    DWC - The 401(k) Experts | P.O. Box 241267, St. Paul, MN 55124

### Sign up to receive insights from DWC