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Learn how to increase your retirement savings with the new enhanced catch-up contribution limit of $11,250 for ages 60-63 in 2025. Find out the eligibility criteria, the Roth catch-up rule, and the standard annual deferral limit for 401 (k) plans.

Starting in 2025, employees aged 60 to 63 years old who participate in one of those work plans have a higher catch-up contribution limit. That cap is $11,250, instead of $7,500.

Learn how much you can save in your 401 (k) in 2025, including the catch-up contributions for those 50 and older and 60 to 63. Find out the limits for Roth 401 (k), after-tax contributions, and multiple plans.

Learn how the SECURE 2.0 Act of 2022 affects catch-up contributions for 401 (k) plans in 2025 and beyond. Find out the income limits, options, and strategies for Roth 401 (k), Roth IRA, and taxable brokerage accounts.

Defined Contribution Plans 2025 2024 Change; Maximum employee elective deferral (age 49 or younger) (1) $23,500: $23,000 +$500: Employee catch-up contribution (age 50 or older by year-end) (2)

Learn how the SECURE 2.0 Act of 2022 affects 401 (k) catch-up contributions for individuals nearing retirement age and high earners. Find out the new limits, eligibility, testing, and tax treatment rules for 2025 and 2026.

Learn how the new legislation could affect your retirement planning, including catch-up contributions, RMDs, and student debt. Find out the key changes for 2025 and beyond for 401 (k), IRA, and other plans.

For 2025, the standard catch-up contribution limit for 401(k) plans is $7,500. That means anyone who meets the age requirements can contribute a total of $31,000 to their workplace retirement plan.

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.

Starting in 2025, older workers can save even more for retirement via 401(k) catch-up contributions. Here's what investors need to know.

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.

Beginning in 2025, the SECURE 2.0 law increases the catch-up contribution limits for certain ages. Those who are age 60, 61, 62, or 63 will soon be able to set aside more money in a 401(k) plan.

The 401(k) Catch-Up Contribution Limit for 2025. Workers can defer paying income tax on as much as $23,500 on contributions to a 401(k), 403(b) and the federal government’s Thrift Savings Plan ...

For 2025, the standard 401(k) contribution limit increased to $23,500, up $500 from the 2024 limit of $23,000. This adjustment applies to 401(k) plans, as well as 403(b) plans, most 457 plans and the federal government's Thrift Savings Plan .

Learn how the SECURE 2.0 Act affects your retirement savings in 2025. Find out the new limits for 401 (k) catch-up contributions for people aged 60 to 63 and other changes to IRAs and 401 (k)s.

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 ...

Retirement savers in their early 60s have a chance to turbocharge their 401(k) contributions starting in 2025. Workers aged 60-63 can contribute an extra $11,250 to their 401(k) each year through a new increased catch-up provision. This is a significant jump from the current catch-up limit of $7,500 available to employees 50 and older. 1. The IRS is raising the general 401(k) deferral limit to ...

In 2025, workers under 50 can contribute up to $23,500 to a 401(k), whereas with an IRA, the limit is only $7,000. The catch-up contributions associated with 401(k)s are also higher.

Learn how the 401 (k) contribution limits are increasing in 2025 and what it means for your retirement savings. Watch a video and read articles from Fidelity experts on how to get the most out of your 401 (k) plan.