What Is a Catch-Up Contribution?
A catch-up contribution is an extra amount that people aged 50 or older can contribute to certain US retirement accounts, such as 401(k) plans and IRAs, above the standard annual limit. HSAs have a separate catch-up for people aged 55 or older. The catch-up amounts are set by law and some are adjusted for inflation.
Ages 60–63
Recent law added a higher catch-up amount for 401(k)-type plans for participants aged 60 through 63.
Where to Find Current Amounts
The IRS publishes the current limits each year; retirement calculators that use them are updated accordingly.
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Put Catch-Up Contribution into practice with these free calculators — no sign-up, nothing stored.
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401(k) Calculator
Estimate your retirement savings using real 2026 IRS contribution limits.
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Roth vs. Traditional IRA Calculator
Compare the after-tax retirement value of both account types.
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HSA Contribution Calculator
Find your maximum allowed HSA contribution and estimated tax savings.
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Last updated: September 27, 2026. This definition is for general educational purposes only. It is not financial, investment, tax, legal, or medical advice, and it does not recommend any product or course of action. For decisions about your own situation, consult a qualified professional.