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Born in 1962, 1963, 1964 or 1965? You can contribute more to your 401(k) in 2025. Thumbnail

Born in 1962, 1963, 1964 or 1965? You can contribute more to your 401(k) in 2025.

Retirement Funding Roth IRAs

Written by Jim Englert, CFP®

The Secure 2.0 Act introduced additional changes to retirement savings, in particular, the “super-catch-up” contribution provision. Effective January 1, 2025, this provision makes it possible to contribute more toward your retirement in the years that you are age 60-63. 

Prior to this change, if you were 50 or older, you could make catch-up contributions to your 401(k). But in 2025 and beyond, those age 60, 61, 62 or 63 at any time during the year are allowed to make additional contributions beyond the regular “catch-up.” 

The 2025 regular contribution limit is $23,500. If you are over 50, an additional catch-up of $7,500 can be added, for a total of $31,000. If you are 60, 61, 62 or 63 at any time during 2025, you can make a “super-catch-up contribution” of an additional $3,750, for a total of $34,750.

The “super-catch-up” comes from a formula that is the greater of $10,000 or 150% of the regular catch-up ($7,500 in 2025), making the super catch-up limit $11,250 in 2025.

There are three categories of eligibility for catch-up:

  1. Age 50-59: The regular catch-up limit is $7,500 (2025 limit, which will be indexed for annual cost-of-living increases in 2026 and after)
  2. Age 60-63: The super-catch-up limit is the greater of $10,000 or 150% of the regular limit ($11,250 in 2025)
  3. Age 64+: A return to the regular catch-up limit of $7,500 (2025 limit, which will be indexed for annual cost-of-living increases in 2026 and after)

2026 brings additional rules for higher earners. Effective January 1, 2026, employees who earn more than $145,000 (adjusted for inflation) in FICA wages with the “employer sponsoring the plan” must direct any catch-up contributions (regular and super catch-up) into Roth 401ks (after-tax contributions.)

These new rules apply to 401(k), 403(b), 457 plans and SIMPLE IRAs, and the ROTH version of these plans. You can read more about some of the Secure Act 2.0 IRA provisions in this article on our blog.

These new rules are designed to boost retirement savings, especially for those nearing retirement. It is, however, important to understand the specifics of your employer plan as well as your personal tax situation now and in retirement. We are here to help you with these and other retirement questions, so please contact us with any questions.