Catch-Up Contribution Calculator 2026

From age 50, you can save more than the standard limits. Ages 60–63 get an even larger catch-up in workplace plans. Enter your age to see your 2026 maximums.

Enter your numbers

Your age at the end of 2026yearsHealth savings account (HSA)Wages from your employer last year$Decides whether catch-ups must go in as Roth.

Most you can save in 2026$46,500401(k) + IRA + HSA, not counting employer money

401(k), 403(b), 457, TSP: $32,500
SIMPLE IRA (instead of a 401(k)): $21,000
Traditional + Roth IRA: $8,600
HSA: $5,400

Estimates only, not financial, tax, or investment advice.

New Roth rule for higher earners

Starting in 2026, if your wages from your employer were more than $150,000 last year, workplace catch-up contributions must be made as Roth (after-tax) contributions.

Common questions

At what age can I make catch-up contributions?

In the year you turn 50. Ages 60 through 63 get a larger catch-up in workplace plans.

How much is the 2026 catch-up?

$8,000 in a 401(k), 403(b), or 457 ($11,250 at ages 60–63) and $1,100 in an IRA.

Official 2026 figures from: IRS: 2026 401(k) and IRA limits (IR-2025-111) · IRS: Catch-up contributions · IRS: Required minimum distributions · IRS: Publication 590-B (Uniform Lifetime Table) · IRS: Rev. Proc. 2025-19 (2026 HSA limits) · SSA: 2026 COLA fact sheet · CMS: 2026 Medicare premiums and deductibles · SSA: Cost-of-living adjustment history · BEA: Regional Price Parities by state (2024 data)