High earners in their 50s have long relied on catch-up contributions as a quiet but powerful tax break, using extra deferrals to shrink today's bill while supercharging tomorrow's nest egg. That ...

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).

The federal tax agency has set the 2026 catch-up contribution limits for 401(k) plans, signaling a new planning season for older workers and employers. The update defines how much savers aged 50 and ...