One of the most valuable benefits for retirement savers age 50 and older is about to change. Starting in 2026, workers earning more than $145,000 will not be able to make pre-tax catch-up ...

Beginning in 2026 401(k) participants who are age 50 or older and high earners will face new rules regarding how and if catch-up contributions can be made to their employer’s 401(k) plan. Starting in ...

Olivia Peluso is an experienced journalist with over 1,500 published stories across personal finance, economics, and public policy. Integrity Pictures Inc / Getty Images Catch-up contributions allow ...

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).

2026 brings changes to your 401(k) catch up contributions that you need to know about. Ignoring them could bring IRS hassles or a surprise tax bill. If you are participating in your 401(k) at work, ...