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Super catch-up 2025 limits: Bottom line Introducing enhanced catch-up contributions under SECURE 2.0 is part of a broader effort to encourage more workers to save for retirement.

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, savers over the age of 50 will be divided into two groups based on annual income:

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)

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.

Catch-up contributions increased in 2025 for 401(k), 403(b), governmental plans, and IRA account holders for employees between the ages of 60 and 63. The legislation enacted in the SECURE 2.0 Act provides a slate of changes that could help strengthen the retirement system—and Americans' financial readiness for retirement.

Catch-Up Contribution Limits (2025) 50 – 59: $7,500 (Standard limit) 60 – 63: $11,250 (SECURE 2.0 increased limit) 64+ $7,500 (Reverts to the standard limit) Starting this year, employees who are ages 60-63 can contribute an extra 50% more than the standard catch-up limit, bringing their total catch-up contribution up to $11,250. However ...

For 2025, the catch-up limit for this group is $11,250 instead of $7,500. In future years, the limit will be adjusted for cost of living. If an employee is currently age 59 but will be age 60 by the end of the year, the super catch-up rule would apply to that employee. Conversely, if an employee is currently age 63 but will be age 64 by the end ...

The 401(k), 403(b), and governmental 457(b) 2025 enhanced catch-up contribution limit for those age 60-63 will be $11,250, while the SIMPLE IRA limit is $5,250. To qualify for the enhanced catch-up contributions, an otherwise eligible participant must meet specific criteria: attain age 60, 61, 62, or 63 by the end of the calendar year and ...

It’s instead of the age-50 catch-up. 10. 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 ...

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.

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 catch-up ...

Increased Catch-Up TSP Contribution Limit in 2025. Effective January 1, 2025, the SECURE Act 2.0, passed in 2022, increases the catch-up contribution limit for TSP participants turning ages 60, 61, 62, or 63 in the calendar year to either $10,000 or 50 percent more than the regular catch-up contribution limit, whichever is greater. The ...

The standard contribution limit for 2025 is $16,500, with a catch-up contribution limit of $3,500 for those 50 and older. For any participant between the ages of 60 and 63, the catch-up contribution limit jumps to $5,250. 2 . In total, plan participants over 50 may contribute up to $20,000 in 2025, and those up to age 63 may contribute $21,750.

On January 10, 2025, the Treasury Department and the IRS issued proposed regulations providing guidance on the 401(k) catch-up contributions updated by SECURE 2.0. Significant changes include increased catch-up limits for those aged 60 to 63 and mandatory Roth contributions for high earners making more than $145,000.

Both of these limits are indexed for inflation. For 2024, the regular elective dollar limit is $16,000, and the catch-up limit is $3,500 – for a total limit of $19,500. For 2025, the regular elective deferral limit increases to $16,500, but the catch-up remains $3,500 – for a total of $20,000. But Congress could not leave well enough alone.

Here are the 2025 catch-up contribution limits for some common retirement savings accounts: In 2025, you can make a catch-up contribution of up to $7,500 to your 401(k) if you are 50-59 years old or if you are older than 63 years old. If you are 60, 61, 62, or 63 years old, your catch-up contribution limit is higher: $11,250. ...

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. While this may seem like a modest increase, it represents a continued trend of annual adjustments aimed ...

Uncover the key details of the new super catch up contributions for 401k and 403b plans including catch up limitations. ... For 2025, 150% of the $7,500 catch-up is $11,250. Adding a super catch-up provision is optional, but the option must be universally available, meaning that the increased limit must be available to all participants ...

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 ...