401(k) and IRA Catch-Up Contribution Limits Calculator

How to do it

1. 1
   Step 1: Open 401(k) and IRA Catch-Up Contribution Limits Calculator and add your input

   Type your numbers or text, add your file, or pick the options you need. Nothing is uploaded: everything stays in your browser.

2. 2
   Step 2: What 401(k) and IRA Catch-Up Contribution Limits Calculator does

   Find your 401(k) or IRA contribution limit with the catch-up for age 50 and the new age 60 to 63 amount.

3. 3
   Step 3: Read the result and compare

   The result appears at once. Change one value to see how the answer moves, then keep the figure that fits your case.

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   Step 4: Copy or save it

   Copy the result or download it. For an important decision, confirm it with the official source or an adviser.

About this tool

Enter your age, the year and the plan type. The calculator shows the base limit, the catch-up amount you qualify for, the total and what that means per paycheck, and tells you whether the Roth catch-up rule for higher earners may apply.

Limits

401(k), 403(b) and governmental 457(b) plans: $24,500 in 2026 ($23,500 in 2025). Age 50 and over can add $8,000 in 2026 ($7,500 in 2025). Under SECURE 2.0, people who are 60, 61, 62 or 63 can add $11,250 instead. IRAs: $7,500 in 2026 ($7,000 in 2025), plus $1,100 at 50 and over ($1,000 in 2025).

Roth catch-up rule

From 2026, if your Social Security (FICA) wages from the employer in the previous year were more than $150,000, catch-up contributions to the 401(k) must be made as Roth. The tool shows when this may apply.

Not covered

Limits are shared across all your 401(k)-type plans. The IRA limit is separate and may be reduced or phased out by your income and workplace plan.

Worked example

A 52-year-old with a 401(k) in 2026 can contribute $24,500 plus $8,000 of catch-up, $32,500 in total, which is $1,250 per paycheck with 26 paychecks. At 61 the limit becomes $35,750.

Tips for best results

Check every box before you rely on a result, because one wrong digit changes the whole answer. Use the exact figures from your payslip, bill, certificate or contract, and keep a note of the date you calculated. Rates, thresholds and rules change from time to time, so for tax, fees and legal matters treat the output as an estimate and confirm with the official source named on this page. You can run as many scenarios as you like; nothing is saved or sent, and refreshing the page clears the boxes.