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Math of Money
Retirement · Glossary

Catch-up contribution

Extra 401(k) and IRA contributions allowed once you turn 50, on top of the regular annual limit, to help people save more close to retirement.

In 2026, workers 50 and older can add $8,000 to a 401(k), 403(b), governmental 457(b), or the Thrift Savings Plan, beyond the regular $24,500 limit. Under SECURE 2.0, people who turn 60, 61, 62, or 63 during the year get a larger catch-up of $11,250 instead.

IRA owners 50 and older can add $1,100 to the $7,500 IRA limit. Starting in 2026, workers who earned more than $150,000 in FICA wages the prior year must make 401(k) catch-up contributions as Roth contributions.

See the contribution limits page for every account type.

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Related terms

401(k)Roth IRATraditional IRAEmployer matchAll terms →

Disclaimer: Definitions are general education, not financial, tax, or legal advice. Figures are for the 2026 tax year unless noted.