Higher-income earners must make 401(k) catch-up contributions with after-tax dollars and place them in a Roth account.

The 401 (k) contribution limit increased from $23,000 in 2024 to $23,500 in 2025. The catch-up contribution limit remained at $7,500 for 2024 and 2025. As of 2025, individuals ages 60 to 63 will be ...

Switching to a Roth 401(k) near retirement can be a good move that shields you from taxes when you are ready to live off your ...

As of 2026, several changes to 401(k) policies will take effect. The most significant change affects catch-up contributions, which many workers over age 50 use to increase their retirement plan ...

For 2026, employees age 50 and older who earned more than $150,000 in 2025 must make their catch-up contributions to a Roth 401 (k). (The law originally set the threshold at $145,000, but the amount ...

Contributing to a 401(k) is a great way to build a solid retirement nest egg over time. And if you're 50 or older, you have an even greater opportunity to build up a large retirement plan balance, ...

How does your nest egg compare? Explore the average retirement savings by age in 2026 and learn expert strategies to catch up ...

Bigger catch-up limits: In 2026, workers 50+ can contribute an extra $8,000 to most 401(k)s, with up to $11,250 for ages 60–63, boosting tax-advantaged savings. Cut costs creatively: Reducing unused ...

Last year, the IRS issued final regulations related to limits set by the SECURE 2.0 Act to pre-tax contributions that employees aged 50 or older can add to their 401(k) plan as of January 1 this year.

Since 2002, retirement savers age 50 and over have had the option of making “catch-up” contributions to their 401(k) plans, which stack on top of the regular limits for employee contributions to ...

The standard 401 (k) contribution limit for 2025 is $23,500. If you're over 50, you can add another $7,500 in catch-up contributions, bringing your total to $31,000. For workers 60 to 63, there is a ...

Starting this year, some tax breaks will be off-limits for some retirement savers. That’s because of a new provision from Secure 2.0 that went into effect on Jan. 1, 2026. Individuals who earned more ...