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March 9, 2026

Should higher earners still make 401(k) catch-up contributions?

  • Starting this year, some tax breaks will be off-limits for some retirement savers.
    • By AMY ARNOTT
    Morningstar

    iStock image [enlarge]
    Even without a tax break, you’ll probably still want to contribute the extra amount if you’re running behind on retirement savings.

    Since 2002, retirement savers age 50 and over have had the option of making “catch-up” contributions to their 401(k) plans, which stack on top of the regular limits for employee contributions to tax-deferred retirement plans. The amounts were limited to $1,000 per year when they first came out but expanded to $7,500 by 2025.


     
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