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Catch-up contribution

Extra room Congress adds to contribution limits for older savers. In 2026: a 401(k) allows $8,000 extra at 50+, and a special $11,250 extra for ages 60–63 (it falls back to the 50+ amount at 64); an IRA allows $1,100 extra at 50+, for a total of $8,600. Catch-ups exist precisely because starting late is common — they are the law's own answer to 'am I too late?'

For your first $100: Under 50, this word is background. At 50 and 60, it moves real money — the age pages on this site put the exact extra room for your age on the first screen.

401(k), in plain words 403(b), in plain words Employer match, in plain words

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