Since 2002, retirement savers age 50 and over have had the option of making “catch-up” contributions to their 401(k) plans, which are over and above the regular limits for employee contributions to ...

Catch-up contributions have always been a powerful way for people in their 50s and early 60s to turbocharge retirement savings, but 2026 reshapes how those extra dollars work. Higher limits, new ...

If you're a high earner over 50 planning for retirement, you likely maximize your 401(k), 403(b), or governmental 457(b) plan with catch-up contributions. For 2026, the standard annual contribution ...

Starting the year you turn 50, you can increase retirement contributions by an amount set by the IRS. Many, or all, of the products featured on this page are from our advertising partners who ...

Designed to bolster retirement savings, catch-up contributions give you an opportunity to fast-track your financial readiness before you actually retire. Yet many people either underutilize them or ...

In January 2026, the new Roth catch-up rules take effect. The mandate prevents workers over 50 who earned more than $150,000 the prior year from making pre-tax catch-up contributions to their 401(k).

In January, the Department of the Treasury (“Treasury”) and Internal Revenue Service (IRS) issued proposed regulations on the catch-up contribution provisions under the SECURE 2.0 Act of 2022 (“SECURE ...

Typically, you benefit from immediate tax savings by reducing your taxable income when you make catch-up contributions to your retirement account. However, with this new change for 2026, high earners ...