Catch-Up Contributions
Catch-up contributions allow workers age 50+ to contribute extra amounts above normal limits to retirement accounts including 401(k), IRA, and 403(b) plans, with SECURE 2.0 adding super catch-up for ages 60-63.
Exam Tip
50+ catch-up: 401(k) = $7,500 extra; IRA = $1,000 extra. SECURE 2.0: Ages 60-63 get super catch-up of $11,250 total.
What are Catch-Up Contributions?
Catch-up contributions allow older workers to accelerate retirement savings by contributing above normal limits.
2025 Catch-Up Limits
| Account | Normal Limit | Catch-Up (50+) | Total |
|---|---|---|---|
| 401(k)/403(b) | $23,500 | $7,500 | $31,000 |
| IRA/Roth IRA | $7,000 | $1,000 | $8,000 |
| SIMPLE IRA | $16,500 | $3,500 | $20,000 |
SECURE 2.0 Super Catch-Up (2025)
For ages 60-63: Additional $3,750 on top of regular catch-up
- 401(k) total for ages 60-63: $34,750
Requirements
- Must be age 50+ by end of year
- Must have earned income
- Subject to plan availability
Study This Term In
Related Terms
401(k)
A 401(k) is an employer-sponsored retirement savings plan that allows employees to contribute pre-tax dollars, with potential employer matching, and tax-deferred growth until withdrawal.
IRA (Individual Retirement Account)
An IRA is a tax-advantaged personal retirement savings account that individuals can open independently, offering either tax-deductible contributions (Traditional) or tax-free withdrawals (Roth).
Roth IRA
A Roth IRA is a retirement account funded with after-tax dollars that grows tax-free and allows tax-free withdrawals in retirement, with no required minimum distributions.
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