Contributing to the UTSaver Deferred Compensation Plan (UTSaver DCP) 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 DCP.
Enrollment
- Review and select a provider(s) from the list of authorized providers. You may select more than one provider for your UTSaver DCP participation.
- Log onto UTRetirement Manager and click on the DCP Enroll/Change page.
UTRetirement Manager
- 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 DCP. 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.
Neither your UTSaver Tax-Sheltered Annuity nor your Optional Retirement Program contributions affect the total amount you are able to defer under the UTSaver DCP.
