Catch-Up Contribution Planner
See how much extra you can save at 50+, whether you qualify for the 60-63 super catch-up, and whether the law now forces your catch-up to be Roth. Educational only.
Super catch-up (ages 60-63 only)
You can still add $15,750 this year.
This is your window. The $11,250 super catch-up applies only at ages 60-63 — at 64 it drops back to $8,000.
Base 401(k) deferral
Everyone, any age
Catch-up
Super catch-up (ages 60-63 only)
Your 401(k) maximum
IRA on top
$7,500 + $1,100 catch-up
Total tax-advantaged room
Before any employer match, which sits on top
2026 figures from IRS Notice 2025-67. The Roth catch-up rule tests your prior-year Social Security wages from the employer sponsoring the plan, so a job change or self-employment income can change the answer — and IRA deductibility phases out at higher incomes. If your catch-up must be Roth, it also raises your taxable income now, which can matter for ACA subsidies before 65. Educational estimate, not tax advice.
Numbers behind this result
Open the exact public record for the legal figure or modeling convention used above.
Sources and notes
- 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500Internal Revenue Service
- Notice 2025-67: 2026 cost-of-living adjustments (Roth catch-up wage threshold)Internal Revenue Service
- Final regulations: catch-up contributions (T.D. 10033)Federal Register
These tools use simplified assumptions. Use them to frame better questions, then verify details against primary sources or a qualified professional.