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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.

SECURE 2.0 requires higher earners to put their catch-up retirement savings in a Roth 401(k). ... For 2025, the catch-up contribution is an extra $7,500 on top of the $23,500 limit for everyone else, for a total limit of $31,000. ... And for those age 60 to 63, that catch-up contribution jumps from $7,500 to $11,250. Starting in 2026, though ...

401(k) contribution limits for 2025 The 401(k) contribution limit for 2025 is $23,500 for employee salary deferrals, and $70,000 for the combined employee and employer contributions. If you're age 50 to 59 or 64 or older, you're eligible for an additional $7,500 in catch-up contributions.

Standard contribution limit: If you are contributing to a 401(k), you can now set aside up to $23,500 in 2025, up from $23,000 in 2024. Catch-up contributions for ages 50 and older: Once you turn 50, you can contribute even more. The catch-up contribution limit stays at $7,500, bringing your total possible contribution to $31,000 in 2025. Catch ...

Increased Catch-Up Contributions for Ages 60-63. Section 109 of SECURE 2.0 increases the catch-up limit for individuals aged 60-63 to the greater of $10,000 or 150% of the regular catch-up limit ($11,250 for 2025). Key details include: Age Range: The enhanced limit applies from the year an individual turns 60 until the year they turn 64.

Age 50+ Catch-up: $7,500. New Age 60 – 63 Catch-up: $3,750. 401K Age 60 – 63 Catch-up Contribution. Under the old rules, in 2025, a 401(k) plan participant age 60 – 63 would have been limited to the employee deferral limit of $23,500 plus the age 50+ catch-up of $7,500 for a total employee contribution of $31,000.

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. 11. What about ...

For 2025, the max catch-up contribution is $11,250. In 2025, the total limit for 401(k) contributions for those aged 60 to 63 is $34,750. That number includes a $23,500 contribution limit and a ...

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.

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.

Age. Catch-Up Contribution Limit. 50-59 at any time during tax year (regular catch-up limit) $7,500 (2025 limit) 60-63 by December 31 of tax year (super catch-up limit) Greater of $10,000 or 150% of the regular limit (i.e. $11,250 for 2025) 64 or older at any time during tax year (return to regular catch-up limit) $7,500 (return to regular ...

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.

For 2025, the higher catch-up contribution limit that applies to this age group is $11,250. That's $3,750 on top of the ordinary $7,500 catch-up limit that starts to apply in the year that a saver ...

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)

Perhaps the most notable change for 2025 is the introduction of a new "supersize" catch-up contribution limit for certain age groups. Employees aged 60 to 63 will be eligible for an increased catch-up contribution of $11,250, a substantial jump from the standard $7,500 catch-up contribution available to those 50 and older.

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.

Prior to this change, if you were 50 or older, you could make catch-up contributions to your 401(k). But in 2025 and beyond, those age 60, 61, 62 or 63 at any time during the year are allowed to make additional contributions beyond the regular “catch-up.” ... ($11,250 in 2025) Age 64+: A return to the regular catch-up limit of $7,500 (2025 ...

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 ...

The IRS on Friday issued proposed regulations (REG-101268-24) on catch-up contributions under a 401(k) or similar retirement plan that generally are allowed for workers who are at least 50 years old.The proposed regulations would affect participants in, beneficiaries of, employers maintaining, and administrators of certain retirement plans.