Turning 50 unlocks extra retirement contribution room — and turning 60 unlocks an even larger “super” catch-up under SECURE 2.0, for a narrow four-year window.
How it works
Under age 50, only the regular deferral limit applies. From 50 through 59 (and 64+), the standard catch-up adds to that limit. From 60 through 63, a larger “super” catch-up replaces the standard one rather than stacking on top of it.
What this does not include
Whether a specific 401(k) plan actually offers catch-up contributions is up to the plan — this calculator computes the IRS-allowed maximum, not a guarantee that any particular plan permits contributing up to it.
How to use this calculator
- Enter your age (or the age you’ll turn this calendar year).
- Enter the current year’s regular, catch-up, and super catch-up limits.
Frequently asked questions
When does catch-up eligibility start?
Per the IRS source, eligibility begins in the calendar year you turn 50 — even if your birthday falls on December 31, you’re treated as 50 for the whole year.
Does the super catch-up stack on top of the standard catch-up?
No — for ages 60 through 63, the super catch-up limit replaces the standard catch-up rather than adding to it.
What happens after age 63?
The super catch-up window ends, and the standard age-50 catch-up limit applies again from 64 onward.
