Super Catch-Up (Ages 60-63)
A higher catch-up contribution of $11,250 in 2026 available only in the four-year window when you turn 60, 61, 62, or 63.
Applies to 401(k), 403(b), 457(b), TSP, and Solo 401(k). Replaces, does not stack on, the standard $8,000 catch-up. You lose it at 64. There is no super catch-up for IRAs or HSAs — just the workplace plan family. The four-year window is short enough that a single missed year is meaningful. Set a calendar reminder the year before you turn 60.
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