Catch-Up Contribution at Age 60 — SECURE 2.0 Super Catch-Up
SECURE 2.0 introduced a higher super catch-up contribution for workers aged 60–63, potentially allowing even larger contributions than the standard catch-up.
How to use this tool
- Select your retirement plan type.
- Enter your age — catch-up eligibility starts the year you turn 50.
- Read your total limit, base limit, and catch-up amount.
- Use the figure to set your payroll deferral for the year.
Workers aged 60–63 may qualify for a super catch-up under SECURE 2.0, making these years a critical window for retirement account contributions.
Frequently asked questions
- What is a catch-up contribution?
- It is extra money savers age 50 and older can contribute to a retirement plan above the standard annual limit — $7,500 for a 401(k) in 2024, $1,000 for an IRA.
- When can I start making catch-up contributions?
- In the calendar year you turn 50. You qualify for the whole year even if your 50th birthday is in December.
- Does the catch-up apply to both 401(k) and IRA?
- Yes, but separately. You can add the 401(k) catch-up to your workplace plan and the IRA catch-up to your IRA in the same year.
- Are these the current limits?
- These are the 2024 figures. Limits are indexed for inflation and SECURE 2.0 adds an enhanced catch-up for ages 60–63 from 2025, so check the latest IRS numbers each year.