In January 2026, the new Roth catch-up rules take effect. The mandate prevents workers over 50 who earned more than $150,000 the prior year from making pre-tax catch-up contributions to their 401(k).

Typically, 401(k) catch-up contributions, which apply to workers age 50 and older, can be traditional pretax or after tax Roth, depending on what 401(k) plans allow. But starting in 2026, 401(k) catch ...

When people are in their 20s and even 30s, they often focus their finances on paying off debts, starting a family, and buying a home. By the time they start focusing more on growing a nest egg for ...

The IRS has finally issued final regulations on those SECURE 2.0 Act provisions relating to catch-up contributions. Depending on your income, those may be treated as Roth catch-up contributions.

Since 2002, retirement savers age 50 and over have had the option of making “catch-up” contributions to their 401(k) plans, which are over and above the regular limits for employee contributions to ...

Beginning January 1, 2026, age 50+ catch‑up contributions for “high‑paid participants” of 401(k), 403(b), and governmental 457(b) retirement plans must be made on a Roth basis. As a result, employers ...