Catch-Up Contribution
retirementAlso known as: catch-up contribution, age 50 catch-up, age 60-63 catch-up
Updated · Written and reviewed by Konstantin Iakovlev
Detailed explanation
2026 limits: 401(k)/403(b)/457(b) standard $23,500, plus $7,500 catch-up (50+) or $11,250 enhanced catch-up (60-63 only). IRA catch-up: $1,000 (50+, indexed under SECURE 2.0). HSA catch-up: $1,000 (55+). SECURE 2.0 added a wrinkle: starting 2026, catch-up contributions for high earners ($145,000+ wages, indexed) MUST be Roth — pre-tax catch-up no longer allowed for that group. The "enhanced" 60-63 catch-up phases out automatically after age 63 (reverting to standard $7,500).
Use these calculators to apply this concept
Related retirement terms
401(k)
A 401(k) is an employer-sponsored retirement savings plan with substantial tax benefits. 2026 contribution limit is $24,...
Roth IRA
A Roth IRA is an individual retirement account funded with after-tax dollars; qualified withdrawals are 100% tax-free. 2...
Required Minimum Distribution (RMD)
RMDs are mandatory annual withdrawals from traditional IRA, 401(k), and similar pre-tax retirement accounts starting at ...
Social Security
Social Security is the U.S. federal retirement insurance program, funded by FICA payroll taxes. Workers earn benefits ov...
Full Retirement Age (FRA)
Full Retirement Age (FRA) is the age at which you receive 100% of your Social Security benefit. For workers born 1960 or...
← Back to glossary · Suggest an addition: [email protected]