Workers Aged 60-63 Gain $11,250 401(k) Catch-Up as SECURE 2.0 Lifts Total to $35,750
Updated
Updated · FinanceBuzz · May 15
Workers Aged 60-63 Gain $11,250 401(k) Catch-Up as SECURE 2.0 Lifts Total to $35,750
4 articles · Updated · FinanceBuzz · May 15
$11,250 in new “super” catch-up contributions became available in 2025 for workers aged 60 to 63, letting them put as much as $35,750 into a 401(k).
SECURE 2.0 created the higher limit, but employers are not required to offer the option, so eligibility depends on each company’s plan design.
$150,000 is the key income threshold in 2026: higher earners must make catch-up contributions as Roth deposits, limiting the immediate tax deduction they could previously get.
At 64, the super catch-up ends and the standard $8,000 catch-up remains; the same law also raised the required minimum distribution age to 73 from 72.
For high earners over 60, is the new super catch-up or a Mega Backdoor Roth the smarter way to save for retirement?
Will the optional 'super catch-up' create a new divide in retirement readiness between employees at different companies?
Why does new legislation force high earners to pay taxes upfront on their 401(k) catch-up contributions?