Catch-up contributions are extra retirement plan contributions allowed for those age 50 and older, designed to help older workers boost retirement savings. 2026 limits: $7,500 extra for 401(k)/403(b)/457(b) (total $31,500); $1,000 extra for IRAs (total $8,000); $1,000 extra for HSAs at age 55+. New for 2025+: ages 60-63 get a super catch-up to 401(k) of $11,250 ($35,250 total). Maxing catch-ups dramatically accelerates wealth building in the final pre-retirement decade. A 55-year-old maxing 401(k) + IRA + HSA catch-ups contributes $40,500+ per year more than a 49-year-old.
Article
403(b)
A 403(b) plan is a retirement plan for employees of public schools, nonprofit hospitals, charities, and religious organizations…
457(b)
A 457(b) plan is a retirement plan for state and local government employees and certain nonprofit employees. Unique…
Annuitization
Annuitization is the process of converting a lump sum (or accumulated annuity value) into a guaranteed income stream,…
Annuity
An annuity is an insurance contract paying a stream of income, often for life — designed to provide…
Backdoor Roth Conversion
The Backdoor Roth Conversion strategy enables high earners who exceed Roth IRA income limits to fund a Roth…
Beneficiary IRA
A Beneficiary IRA (Inherited IRA) is a retirement account inherited from a deceased owner. Post-SECURE Act 2019, most…
Catch-Up Contribution
August 22, 2026 · Aditya Gupta
Personal Finance
Related terms
403(b)
A 403(b) plan is a retirement plan for employees of public schools, nonprofit hospitals, charities, and religious organizations…
457(b)
A 457(b) plan is a retirement plan for state and local government employees and certain nonprofit employees. Unique…
Annuitization
Annuitization is the process of converting a lump sum (or accumulated annuity value) into a guaranteed income stream,…
Annuity
An annuity is an insurance contract paying a stream of income, often for life — designed to provide…
Backdoor Roth Conversion
The Backdoor Roth Conversion strategy enables high earners who exceed Roth IRA income limits to fund a Roth…
Beneficiary IRA
A Beneficiary IRA (Inherited IRA) is a retirement account inherited from a deceased owner. Post-SECURE Act 2019, most…
