High earners in their 50s have long relied on catch-up contributions as a quiet but powerful tax break, using extra deferrals to shrink today's bill while supercharging tomorrow's nest egg. That ...

Starting the year you turn 50, you can increase retirement contributions by an amount set by the IRS. Many, or all, of the products featured on this page are from our advertising partners who ...

SECURE 2.0 Act mandates Roth catch-up contributions for employees with FICA wages over $145,000. Employers, payroll, and record keepers must coordinate by January 1, 2026, for compliance. Clear ...

Seyfarth Synopsis: On September 15, 2025, the Department of the Treasury and the Internal Revenue Service (“IRS”) issued final regulations (“Final Regulations”) implementing key provisions of the ...

In January 2026, the new Roth catch-up rules take effect. The mandate prevents workers over 50 who earned more than $150,000 the prior year from making pre-tax catch-up contributions to their 401(k).

・Starting in 2026, workers earning more than $145,000 will have to make 401(k) catch-up contributions on an after-tax (Roth) basis. ・If your employer doesn’t offer a Roth 401(k), you may lose the ...