401(k) Catch-up Calculator
Maximize your retirement savings as you approach retirement. See your full 2026 contribution capacity.
Retirement 'Catch-up' Contributions
The IRS allows older workers to contribute more to their retirement plans than younger workers. This allows individuals closer to retirement to 'catch up' on their savings.
In 2026, the standard limit for anyone under 50 is $24,000. If you are 50 or older, you get an additional allowance.
SECURE 2.0 Update: New for 2025/2026, savers aged 60-63 receive a special 'Super Catch-up' allowance, which is significantly higher than the standard catch-up.
How to Use This Calculator
- Enter Your Age - Limits change at ages 50 and again at 60.
- Current Contribution - Input what you currently have slated for your 401(k) this year.
- View Max Capacity - The results show the total amount you can legally shelter from taxes.
Calculation Formula & Example
The Formula
Total Capacity = Base Limit ($24k) + Tiered Catch-up Allowance
Where:
- Age 50-59 = $7,500 additional
- Age 60-63 = $11,250 additional (150% of standard catch-up)
Example Calculation
If you are 62 years old, your total 401(k) limit for 2026 is $24,000 + $11,250 = $35,250.
Benefits of Using This Calculator
- Accelerated Savings - Inject more capital into your retirement accounts just as you hit your peak earning years.
- Lower Taxable Income - Contributions to a Traditional 401(k) lower your current tax bill.
- Compound Interest - Even at 50, your catch-up contributions have 15-20 years to grow tax-deferred.
Calculator Use Cases
If you didn't save much in your 20s and 30s, use these limits to accelerate your timeline.
Now that kids are out of the house, redirect that cash flow into your own retirement.
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