The Power of 401k Catch-Ups

Discover how 401(k) catch-up contributions, like the new "super catch-up" for ages 60-63, can significantly boost your retirement savings. See the potential difference these contributions could make by age 67.

Your Information

Expected 401(k) Balance at Age 60

$0$10M

Expected Annual Interest Rate

2026 Contribution Limits

Standard Contribution Limit$24,500

50+ Catch-Up Limit+$8,000

60-63 "Super Catch-Up" Limit+$11,250

Your Catch-Up Benefit

With both regular catch-up contributions and 60-63 catch-up contributions between ages 60-67

Additional Savings by Age 67

Additional Monthly Income Over 30-Year Retirement$0

Projected Balance at Age 67

Regular Contributions Only$24,500/year

With 50+ Catch-Up$32,500/year

With Super Catch-Up (60-63)$35,750/year ages 60-63, then $32,500/year

Growth Comparison

This is the additional amount you could accumulate by age 67 if you take full advantage of catch-up contributions, including the enhanced "super catch-up" for ages 60-63. This could provide approximately $0 in additional monthly retirement income.

Once you reach age 73, you must begin taking required minimum distributions (RMDs) from your 401(k) or any other defined contribution plan in most circumstances. Withdrawals are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty.