What Are Super Catch-Up Contributions?

Catch-up contributions have been available since 2001 and are offered by most 401(k) plans. If you’re 50 or older, you can contribute extra savings to your retirement plan each year. This additional amount helps you grow your retirement savings faster. For example, if the regular annual contribution limit is $24,500, you may be able to contribute an extra $8,000 once you turn 50—bringing your total contribution to $32,000. It’s also important to note that if you earned more than $150,000 in FICA wages in 2025, your catch-up contributions must be made as Roth, not pretax.

If you are aged 60, 61, 62, or 63, you may be eligible to contribute even more through a new super catch-up provision introduced under SECURE 2.0. This provision temporarily raises the catch-up limit during these four years—and only these four years—giving you a meaningful opportunity to accelerate your retirement savings before the window closes.

There are important age restrictions to keep in mind. You must turn 60 on or before December 31 to qualify for the super catch-up in a given year. You cannot contribute under this provision if you turn 64 at any point during the calendar year. For example, if your 64th birthday falls on January 2, you will not be eligible for the super catch-up that year.

Here’s how the super catch-up affects your contribution limits by age:

If you think you may be eligible, there are a few practical steps to take. Start by checking with your employer to confirm whether your retirement plan will offer the super catch-up option. From there, consider how to adjust your contribution strategy to take full advantage of the increased limit during these four years. Your plan administrator can provide guidance on the specifics of how to update your elections and maximize your savings.

Whether you’re nearing retirement or still in the process of building your savings, PlanPerfect is here to help. Contact us today to explore your options and create a plan tailored to your goals.

This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material.