UTSaver TSA 403(b)

Contributing to the UTSaver Tax-Sheltered Annuity Program can significantly reduce your current taxes and help you save for retirement. Contributions are conveniently taken by payroll deduction.

Retirement Programs at a Glance

Eligibility

All employees of the UT System are eligible to participate in the UTSaver TSA.

Enrollment

  1. Contact your Benefits Office and request a calculation of your contribution limit.
     
  2. Review and select a provider(s) from the list of authorized providers. You may select more than one provider for your UTSaver TSA participation.
     
  3. Log onto UTRetirement Manager and click on the TSA Enroll/Change page.

    UTRetirement Manager
     
  4. Complete an account application(s) with the provider(s) you have selected.

Contributions

You can contribute as little as $15 per month or as much as 100% of your eligible compensation up to $24,500 for 2026 (was $23,500 for 2025) in the UTSaver TSA, (Traditional and Roth combined). There are also two catch up provisions:

  • Age 50 Catch up**: If you are age 50 or older, you may contribute an additional $8,000.
  • Age 60-63 Catch up**: If you are turning 60-63 during 2026, you can contribute up to a maximum of $11,250 in addition to the $24,500 limit, for a potential contribution of $35,750!

**Starting in 2026, participants 50 and older who earned more than $150,000 in FICA (W-2 Box-3) wages from their current UT institution for 2025 must make catch-up contributions as Roth (after-tax) contributions. 

Your UTSaver Deferred Compensation Plan contributions do not affect the total amount you are able to defer under the UTSaver TSA.