Catch-Up Contribution Calculator 2026
Calculate your maximum 2026 retirement catch-up contributions across 401(k), IRA, SIMPLE IRA, HSA, and SEP-IRA accounts. Includes the SECURE 2.0 super catch-up for ages 60-63, Roth catch-up requirement for high earners (MAGI over $145,000), and estimated tax savings. All calculations run privately in your browser.
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What Are Catch-Up Contributions?
Catch-up contributions are extra amounts that workers aged 50 and older can save in retirement accounts above the standard annual limit. The IRS introduced these provisions so that people approaching retirement can accelerate their savings during their peak earning years. For 2026, the standard 401(k) limit is $23,500, but workers 50 and older can contribute an additional $7,500 — bringing their total to $31,000. Similar catch-up provisions exist for Traditional and Roth IRAs ($1,000 extra), SIMPLE IRAs ($3,500 extra), and Health Savings Accounts ($1,000 extra for those 55+). These limits are set annually by the IRS based on cost-of-living adjustments (IRS Notice 2024-80).
SECURE 2.0 Super Catch-Up (Ages 60-63)
The SECURE 2.0 Act, signed into law in December 2022, introduced a powerful new provision starting in 2025: the "super catch-up" contribution for workers aged 60 through 63. Instead of the standard $7,500 catch-up for 401(k) plans, these workers can contribute $11,250 — a 50% increase that allows a total of $34,750 in annual deferrals. SIMPLE IRA participants in this age window also get an enhanced catch-up of $5,250 (up from $3,500), for a total of $21,750. This four-year window is designed to help workers in their early 60s who may have undersaved make a final sprint before retirement. Note that under SECURE 2.0 Section 603, workers earning more than $145,000 in MAGI must direct their catch-up contributions to a designated Roth account — meaning taxes are paid upfront but withdrawals in retirement are tax-free (SECURE 2.0 Act §109, §603).
Catch-Up Contribution Limits by Account Type
Here are the 2026 contribution limits for each retirement account type. The "catch-up" column shows the additional amount available to eligible older workers:
- 401(k) / 403(b) / 457: $23,500 base + $7,500 catch-up (50+) = $31,000. Ages 60-63 get $11,250 catch-up = $34,750 total.
- Traditional / Roth IRA: $7,000 base + $1,000 catch-up (50+) = $8,000.
- SIMPLE IRA: $16,500 base + $3,500 catch-up (50+) = $20,000. Ages 60-63 get $5,250 catch-up = $21,750 total.
- HSA: $4,300 self-only / $8,550 family + $1,000 catch-up (55+) = $5,300 / $9,550.
- SEP-IRA: $70,000 total (employer contributions only; no employee catch-up provision).
Maximizing these accounts reduces your current taxable income and allows decades of tax-deferred (or tax-free for Roth) growth. Use the calculator above to see exactly how much room you have left across all your accounts. Last updated: May 2026. Sources: IRS Notice 2024-80, SECURE 2.0 Act §109.