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Contribution limits for 401(k) and other workplace retirement plans rise for 2025. Sixty- to 63-year-olds get a super contribution for the first time.

The catch-up contribution limit that generally applies for employees aged 50 and over who participate in most 401(k), 403(b), governmental 457 plans, and the federal government’s Thrift Savings Plan remains $7,500 for 2025. Therefore, participants in most 401(k), 403(b), governmental 457 plans and the federal government’s Thrift Savings ...

What is the 2025 super catch-up limit? For 401(k), 403(b) and governmental 457(b) plans, the 2025 limit is $11,250. That figure results from multiplying $7,500 (the 2024 regular catch-up limit) by 150%. So, an age 60-63 employee in a plan that allows catch-ups can defer up to a total of $34,750 ($23,500 + $11,250) for 2025.

The 401(k), 403(b), and governmental 457(b) super catch-up applies to eligible plan participants who are between the ages of 60 and 63. The deferral limit is the greater of $5,000 or 150% of the normal “age 50” catch-up contribution limit for 2025 ($7,500). Thus the 2025 “super” catch-up equals $11,250 (150% x $7,500).

And now beginning in 2025, if you are between age 60 and 63 only, you get another $3,750, for a total maximum contribution of $34,750. 401(k) Super Catch-Up Eligibility. To be eligible for the new, extra, catch up contribution you need to turn age 60, 61, 62, or 63 during the 2025 calendar year.

Super Catch-Up Contributions for Ages 60-63. Starting in 2025, individuals aged 60 to 63 can contribute even more than the standard catch-up limit. This “super catch-up contribution” allows you to save 50% more than the regular catch-up amount. Here’s how it works: Standard Contribution Limit (2025): $23,500; Normal Catch-Up Contribution ...

The Secure 2.0 Act is raising the catch-up contribution limit for workers, with the goal to make retirement more attainable. Beginning in 2025, participants in 401K or other employer-provided qualified retirement plans who are age 60, 61, 62, or 63 by 12/31/25 can take advantage of the Super Catch-Up Contribution, which is $11,250 instead of $7,500.

The super catch-up 401(k) contribution limit is specifically for those aged 60-63 starting in 2025. Those lucky individuals aged 60 to 63 may contribute an additional $11,250 instead of the $7,500 catch-up contribution those 50-59 and 64 and older may contribute.

Those who qualify for the new 401(k) ‘super catch-up’ contributions can save even more in 2025. ... The super catch-up contribution amount is $11,250 for 2025, compared to the regular catch-up ...

The Super Catch-Up Rule. Starting January 1, 2025, plans may offer a higher dollar catch-up limit to employees who would attain exact ages 60, 61, 62, or 63 by the end of the year. For those participants, the limit is 150% of the regular dollar catch-up limit. For 2025, the catch-up limit for this group is $11,250 instead of $7,500.

The start of 2025 brought major updates to 401(k) plans, thanks to the SECURE 2.0 Act. Learn the catch-up limits, including a handy age range chart! ... 62, or 63 by the end of the tax year can make a “super catch-up” contribution to their 401(k) or SIMPLE IRA. This allows eligible participants to contribute up to $11,250 annually, 150% of ...

Effective January 1, 2025, plan sponsors can opt to add a plan provision to allow participants who are between the ages of 60 and 63 at the end of 2025 (and subsequent years) to contribute an additional catch-up contribution…a super catch-up. For 401(k) and 403(b) plans, the super catch-up contribution is 150% of the regular catch-up ...

To address that savings shortfall: enter the super catch-up. Available to 401(k) plans since the start of 2025, this provision of the SECURE Act 2.0 enables workers between 60 and 63 to save an ...

For 2025 the 401(k) Catch-up amount is $7,500 and the Simple IRA Catch-up amount is $3,500. New for 2025: The Super Catch-Up. Starting in 2025, the Secure 2.0 Act allows eligible participants who are ages sixty to sixty-three to make “Super Catch-up contributions” of up to the greater of $10,000 or 150 percent of the regular Catch-up limit.

The standard 401(k) limit for 2025 is $23,500, with a regular catch-up for those 50 and older of $7,500, meaning the "super catch-up" represents an additional $3,750 for qualifying participants. Once a participant turns 64, they revert to the age 50 and older (or +) catch-up contribution limit in effect for that year.

A notable addition for 2025 is the new “super catch-up” contribution, an enhancement introduced by the SECURE Act 2.0 for individuals in the 60-63 age bracket. Beginning in 2025, those aged 60 to 63 who participate in qualified work plans have a catch-up contribution limit up to $11,250.

Some retirement savers can make larger 401(k) contributions in 2025 thanks to an obscure change made in the SECURE 2.0 act. ... plan in 2025. For 2025, the higher catch-up contribution limit that ...

People ages 60 to 63 will be able to make extra catch-up contributions to their 401(k)s thanks to the SECURE 2.0 Act. The IRA contribution limit, on the other hand, is not changing for 2025. ... Their "super" catch-up contribution limit is $11,250, meaning they can max out 401(k)s with $34,750 in 2025.

• The 401(k), 403(b), and governmental 457(b) super catch-up applies to eligible plan participants who are between the ages of 60 and 63. The deferral limit is the greater of $5,000 or 150% of the normal “age 50” catch-up contribution limit for 2025 ($7,500). Thus the 2025 “super” catch-up equals $11,250 (150% x $7,500).