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What are super catch-up contributions?

Beginning in 2025, SECURE 2.0 introduced enhanced catch-up contributions for participants ages 60, 61, 62, or 63.

If your plan allows catch-up contributions:

For 2026:

  • 401(k), 403(b), and governmental 457(b) plans:
    Super catch-up limit = $11,250
  • SIMPLE IRA plans:
    Super catch-up limit = $5,250

Important notes:

  • You become eligible in the year you turn age 60.
  • After age 63, you revert to the regular age 50 catch-up limit.
  • Your plan must already allow catch-up contributions for this feature to apply.

This provision is designed to help participants nearing retirement boost their savings.