Global 401(k) Strategies for Foreign Nationals
Maximize your US retirement savings with current contribution limits, employer match optimization, vesting schedules, and tax treaty insights for when you leave the US.
Your Information
Employer Match
Your Maximum 401(k) Contribution
Vesting Status
Exit Strategy: Tax Implications
2025-2026 Contribution Limits
| Category | 2025 | 2026 |
|---|---|---|
| Employee Deferral (under 50) | $23,500 | $24,500 |
| Catch-up (age 50+) | +$7,500 | +$8,000 |
| Super Catch-up (ages 60-63) | +$11,250 | +$11,250 |
| Total Limit (under 50) | $70,000 | $72,000 |
Frequently Asked Questions
Yes! H-1B, L-1, O-1, TN, and most other work visa holders are eligible to participate in employer-sponsored 401(k) plans. Your contributions are always 100% yours.
Your 401(k) remains yours and can stay invested. However, 30% federal withholding applies to distributions for non-residents (can be reduced via tax treaty). Early withdrawal before age 59.5 also incurs a 10% penalty.
US tax treaties with many countries can reduce the 30% withholding on retirement distributions. File Form W-8BEN with your plan administrator to claim treaty benefits. Rates vary by country (0-15% for most treaty countries).
SECURE 2.0 allows participants aged 60-63 to contribute $11,250 extra (instead of the regular $7,500-$8,000 catch-up). This means up to $34,750-$35,750 in employee contributions for this age group.