Catch-up contributions start at 50, allowing you to funnel more into your retirement savings accounts like 401(k)s than you had previously been able to set aside. But there is another important window to know about: From ages 60 to 63, you can make super catch-up contributions.
For people those ages, the catch-up contribution increases from $8,000 to $11,250 in 2026. That brings their total contribution limit to $35,750 for the year. Here’s what you should know.
What the age 60 catch-up rule does
The age 60 catch-up rule is an elevated catch-up from the standard age-50 catch-up amount. It lets you contribute far more than the standard contribution limit of $24,500 for 401(k), 403(b), governmental 457 plans and similar retirement savings plans.
SIMPLE plans have their own limits. The age-50 catch-up contribution is an additional $4,000, but this amount goes up to $5,250 if you are 60-63 years old in 2026. If you earned $150,000 or more in the previous calendar year, you generally must make all of your catch-up contributions in a Roth retirement account, even if you are 50.
Why this matters for late retirement savers
Super catch-up contributions won’t change your finances overnight, but they can help you move in the right direction. Making higher contributions, and having that money compound, can help you cover expenses and make it more feasible to delaying taking out Social Security, which means large benefit checks.
If you have to make Roth contributions, you get the ability to balance taxed withdrawals with tax-free withdrawals. Having both traditional and Roth retirement savings can give you tax diversification and more flexibility when managing your taxable income.
However, the super catch-up contribution only offers a benefit if you have enough money to max out your retirement plan. Working a side hustle during these extra four years or trimming your spending so you can maximize your retirement savings accounts can significantly help set you up for a financially comfortable retirement.
How to use the rule before the window closes
The super catch-up contribution limit isn’t permanent. Once you turn 64, you’re back to regular catch-up contributions. That gives you a small window of opportunity to accelerate your savings. You can raise your deferral percentage early in the year that you turn 60, so more of your paycheck goes toward your account.
You might be able to do this by logging into your workplace retirement account, but some people may have to contact HR or the payroll team. Spreading contributions across each individual paycheck can make it easier to max out your retirement plans.
You only have four years to capitalize on this opportunity. Cutting some expenses and picking up extra work adds up. As a bonus, you can still contribute to a traditional IRA or a Roth IRA if you’re eligible. The IRA limit is $7,500 plus an $1,100 catch-up contribution for those age 50 and older. There is no super catch-up limit for traditional IRAs.
