Catch-Up Contributions
Catch-up contributions allow individuals aged 50 and older to contribute more to their retirement accounts beyond the standard limits. Starting in 2025, a new 'super catch-up' provision allows those aged 60-63 to contribute even more to their 401(k).
2026 IRS Contribution Limits
401(k) Catch-Up (50+)+$7,500
Super Catch-Up (60-63)+$11,250
IRA Catch-Up (50+)+$1,000
HSA Catch-Up (55+)+$1,000
Key Details
Available to anyone aged 50 or older by the end of the calendar year.
The SECURE 2.0 Act introduced super catch-up contributions for ages 60-63 starting in 2025.
For high earners (wages > $145,000), catch-up contributions to 401(k) must be made as Roth (after-tax) starting 2026.
Catch-up contributions are in addition to the standard contribution limits.
These provisions help late savers boost their retirement savings in the final working years.