Take care of your future

Top interests of retirees: 86% — spending time with loved ones, 73% — time for hobbies, 66% — traveling.

Be sure you have the savings to match your interests. It’s never too late to make a plan for retirement. That's not so hard to do, especially with help from American Airlines. We make it easy to get started and to continue to save throughout your career.

  • Contribute through convenient payroll deductions
  • Save for the future on a pre-tax (aka before-tax) basis
  • Reduce your taxes in retirement by making Roth after-tax contributions

The Plan works with your other savings to help ensure your financial security in retirement. So, get going on a great tomorrow.

Make the Right Moves

Take a look at how the plan works. Then get to more detail by clicking on the links.

Participating in the Plan

  • Want to get the earliest start possible? You can enroll on your first day of employment.
  • You may change your contribution elections at any time.

Contributing to the Plan


  • You can contribute from 1% to 100% of your eligible pay, up to IRS limits.
  • You decide whether to save on a pre-tax, Roth and/or after-tax basis.
  • You can save up to $18,000 on a pre-tax and/or Roth basis in 2016.
  • If you are age 50 or older in 2016, you can save another $6,000 in catch-up contributions.


  • Your future gets a boost from the company contributions.
  • Starting the first of the quarter following 90 days of employment, the following employer contributions are available depending on the group you are a part of:
    • CWA/IBT represented employees are eligible for a company matching contribution of up to 5.5% of your eligible pay on your pre-tax and/or Roth contributions.
    • Dispatchers, Flight Crew Training Instructors and Sim Engineers are eligible for (1) a company matching contribution of up to 50% of the first 4% contributed on your pre-tax and/or Roth contributions and (2) a non-elective contribution (based on age)
    • Dispatchers and Flight Crew Training Instructors are eligible for a profit sharing contribution based on pre-tax profit margins for the year.
  • For more details visit Contributing to the Plan.

Investing Your Account

  • You can invest your account in a wide variety of funds.
  • Each fund offers a different level of risk and potential return.
  • If you don’t make any investment choices, your account is invested in the American Target Date Fund closest to the year you will turn age 65 (the plan’s Qualified Default Investment Alternative).
  • Generally you can change your investment elections at any time.

Accessing Your Savings

There may be times when you need to use the money in your account before retirement. You may have access through loans, hardship withdrawals or early withdrawals.