401(k) Contribution Calculator
Free 401(k) contribution calculator. Find your per-paycheck contribution, remaining room to the annual limit, and catch-up eligibility for 2026 ($24,500 limit, $8,000 catch-up for 50+).
Catch-Up Contribution Calculator
Free catch-up contribution calculator for 2026. Compare extra retirement-plan savings by plan type, age bracket, and the SECURE 2.0 super catch-up window for ages 60-63.
For FV projection
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✅ Catch-Up Eligible (Age 50+)
Combined 401(k) + IRA limit: $41,100.00/year
2026 Contribution Limits by Plan
| Plan Type | Base Limit | Catch-Up | Your Total | Note |
|---|---|---|---|---|
| 401(k) / 403(b) | $24,500.00 | +$8,000.00 | $32,500.00 | Super catch-up at 60-63 |
| Gov 457(b) | $24,500.00 | +$8,000.00 | $32,500.00 | Super catch-up at 60-63 |
| Traditional / Roth IRA | $7,500.00 | +$1,100.00 | $8,600.00 | No super catch-up |
| SIMPLE IRA / 401(k) | $17,000.00 | +$4,000.00 | $21,000.00 | Super catch-up at 60-63 |
| SEP IRA | $72,000.00 | $0 | $72,000.00 | No catch-up (income-based employer limit) |
401(k) Limits by Age Bracket
| Age Group | Base | Catch-Up | Total 401(k) | IRA | Combined |
|---|---|---|---|---|---|
| Under 50 | $24,500.00 | $0 | $24,500.00 | $7,500.00 | $32,000.00 |
| 50-59 ← | $24,500.00 | +$8,000.00 | $32,500.00 | $8,600.00 | $41,100.00 |
| 60-63 (super) | $24,500.00 | +$11,250.00 | $35,750.00 | $8,600.00 | $44,350.00 |
| 64+ | $24,500.00 | +$8,000.00 | $32,500.00 | $8,600.00 | $41,100.00 |
Catch-Up Savings Projection (to Age 65)
Total Catch-Up Contributions⧉
$113,100.00
11 years of catch-ups
Future Value at 65⧉
$160,152.00
At 7% annual growth
| Age | 401(k) Catch-Up | IRA Catch-Up | Cumulative | FV at 65 |
|---|---|---|---|---|
| 55 ← | $8,000.00 | $1,100.00 | $9,100.00 | $17,901.00 |
| 56 | $8,000.00 | $1,100.00 | $18,200.00 | $16,730.00 |
| 57 | $8,000.00 | $1,100.00 | $27,300.00 | $15,635.00 |
| 58 | $8,000.00 | $1,100.00 | $36,400.00 | $14,613.00 |
| 59 | $8,000.00 | $1,100.00 | $45,500.00 | $13,657.00 |
| 60 ★ | $11,250.00 | $1,100.00 | $57,850.00 | $17,322.00 |
| 61 ★ | $11,250.00 | $1,100.00 | $70,200.00 | $16,188.00 |
| 62 ★ | $11,250.00 | $1,100.00 | $82,550.00 | $15,129.00 |
| 63 ★ | $11,250.00 | $1,100.00 | $94,900.00 | $14,140.00 |
| 64 | $8,000.00 | $1,100.00 | $104,000.00 | $9,737.00 |
| 65 | $8,000.00 | $1,100.00 | $113,100.00 | $9,100.00 |
★ = Super catch-up window (ages 60-63)
Uses 2026 IRS limits. SECURE 2.0 super catch-up applies to 401(k), 403(b), Gov 457(b), and SIMPLE plans. Consult your plan administrator for specific rules.
Planning notes, formulas, and examples
About the Catch-Up Contribution Calculator
The Catch-Up Contribution Calculator shows the additional retirement-plan savings available once you turn 50. Catch-up contributions are an IRS provision that lets older workers contribute more than the base plan limit during the years when many people are trying to close the gap between current savings and retirement goals.
For 2026, the SECURE 2.0 super catch-up still applies for ages 60-63, increasing the standard catch-up amount for 401(k), 403(b), and governmental 457(b) plans, with a separate higher catch-up amount for SIMPLE plans. This calculator lays out the current limits by plan type and age bracket, then estimates the future value of those additional contributions through age 65.
When This Page Helps
Many savers know catch-up contributions exist, but not how the numbers change by plan type or age bracket. This worksheet makes the current rules visible in one place so you can see how much extra room is available and how meaningful the 60-63 window can be if you use it.
How to Use the Inputs
- Enter your age.
- Set an annual growth rate for the future-value projection.
- Review the current plan limits for each retirement account type.
- Check the age-bracket table to see where you fit today.
- Use the projection section to estimate the value of catch-up savings through age 65.
Formula used
401(k)/403(b)/Gov 457(b): Base $24,500 + Standard catch-up $8,000 (50+) or Super catch-up $11,250 (60-63)
Traditional/Roth IRA: Base $7,500 + Catch-up $1,100 (50+)
SIMPLE IRA: Base $17,000 + Standard catch-up $4,000 (50+) or Super catch-up $5,250 (60-63)
Future Value = Annual Catch-Up × (1 + Growth Rate) ^ Years RemainingExample Calculation
Result: Super catch-up: $11,250 extra in 401(k), total $35,750
At age 62, you are in the SECURE 2.0 super catch-up window. Your 401(k) catch-up is $11,250 instead of the standard $8,000, bringing the total 401(k) limit to $35,750. The IRA catch-up is $1,100, which raises the IRA total to $8,600.
Tips & Best Practices
- The ages 60-63 super catch-up is temporary and reverts to the standard catch-up at age 64.
- IRA catch-up amounts do not have a separate 60-63 super tier.
- 401(k), 403(b), governmental 457(b), and IRA limits do not all stack the same way, so review the plan-type details before assuming you can use every number together.
- Catch-up payroll settings often need to be reviewed each year as IRS limits change.
- Some employer match formulas do not automatically increase just because you are using catch-up contributions.
Why Catch-Up Contributions Matter
Catch-up contributions let older workers save beyond the base plan limit during the years when income may be higher and retirement may be closer. Even without assuming a specific return, the additional room can materially change the amount directed to retirement accounts over the final working decade.
The 60-63 Window
The most important planning feature here is the temporary ages 60-63 super catch-up. That window is limited, so payroll elections and account strategy matter more than they do under the ordinary age-50 catch-up rules.
Using This Worksheet
This page is most useful as a planning worksheet. It shows current IRS limits, how the age brackets differ, and the value of making those extra contributions if they remain invested through age 65. You should still confirm plan-specific payroll, Roth, and matching rules with your administrator.
Sources & Methodology
Last updated:
Methodology
This worksheet applies the current IRS base contribution limits and age-based catch-up amounts by plan type, then projects the future value of those extra contributions through age 65 using the selected annual growth rate. It is a planning aid, not a payroll or tax-filing calculation.
Sources
- IR-2025-111, 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500 (IRS) — Official 2026 retirement-plan contribution, catch-up, and IRA limit announcement.
- Retirement topics - 401(k) and profit-sharing plan contribution limits (IRS) — Official 2026 elective-deferral and annual-additions limits.
- Retirement topics - SIMPLE IRA contribution limits (IRS) — Official SIMPLE IRA contribution and catch-up limits.
Frequently Asked Questions
You must be at least 50 by the end of the calendar year to make standard catch-up contributions. The higher SECURE 2.0 super catch-up applies only from ages 60 through 63 for certain plan types.
For 2026, the super catch-up is $11,250 for 401(k), 403(b), and governmental 457(b) plans if you are age 60-63. SIMPLE plans have their own higher 60-63 catch-up amount of $5,250.
No. SEP IRAs do not have a separate catch-up provision. Their contribution room is determined by the employer contribution formula and the annual SEP limit rather than age-based catch-up amounts.
Yes, if you are eligible for both. In 2026 that means a standard 401(k) catch-up of $8,000 (or $11,250 at ages 60-63) plus an IRA catch-up of $1,100.
No. The available tax treatment depends on plan design and current IRS implementation guidance. Review your current plan notices before assuming catch-up money will be treated a specific way.
Yes. The IRA catch-up is now indexed for inflation and increases to $1,100 for 2026.
More in this topic
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SEP IRA Contribution Calculator
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