Retirement contribution limits increase for 2026, with new ‘super catch-up’ for older savers
New rules allow workers 60-63 to contribute an additional $11,250 to retirement accounts
(InvestigateTV) — The amount workers can contribute to their 401(k) plans in 2026 has increased to $24,500, a thousand dollars more than last year.
The increase applies to anyone who uses 401(k), 403(b), governmental 457(b) plans and the federal government’s Thrift Savings Plan.
The catch-up contribution limit for people 50 and over who participate in these plans has increased to $8,000, up from $7,500 for 2025, Michael Joyce with CW Advisors said.
People aged 60 to 63 can now use a “super catch-up” provision that allows them to contribute an extra $11,250, Joyce said.
A new rule also affects high earners making catch-up contributions. Starting this year, workers who made over $145,000 in FICA income last year must make their catch-up contributions in a Roth 401(k).
“You can’t do it with pretax dollars. You have to do it with after tax dollars,” Joyce said.
If an employer doesn’t offer Roth options, a Roth IRA could be an alternative, Joyce said.
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