U.S. workers between ages 60 and 63 can make larger catch-up contributions to their 401(k) plans through Dec. 31, 2026 [1], [2].
This provision allows older employees to boost their retirement funds in the final years of their careers. It is particularly critical as required minimum distributions now begin at age 73 [1], [3].
Under the SECURE 2.0 “super catch-up” rule, eligible workers can contribute an additional $10,000 per year [1]. This amount exceeds the standard employee catch-up contribution of $7,500 [1]. The rule also allows employer contributions to count toward the limit [1], [2].
For the 2026 tax year, the regular elective deferral limit is $22,500 [1]. By utilizing the super catch-up, eligible workers can increase the total amount moving into their tax-advantaged accounts before the end of the year.
“You have a prime opportunity to give your savings a last-minute boost,” the Motley Fool editorial team said [1].
The rule applies to contributions made in 2025 and 2026 [1]. Eligible workers have until Dec. 31, 2026, to take advantage of the provision [2].
“If you're between 60 and 63, you have until December 31 to take this 401(k) advantage,” the MSN Money editorial team said [2].
“Eligible workers can contribute an additional $10,000 per year.”
The super catch-up provision serves as a targeted financial bridge for workers who may have under-saved for retirement. By increasing the contribution ceiling specifically for the 60-63 age bracket, the SECURE 2.0 Act attempts to mitigate retirement insecurity before individuals reach the age where they are legally mandated to begin withdrawals.
