New 'Super' Catch-Up Contributions Now Available for Ages 60–63

If you're between the ages of 60 and 63 and looking to boost your retirement savings, 2025 brings a powerful new opportunity. Thanks to the SECURE 2.0 Act, a new “super” catch-up contribution rule is now in effect for workplace retirement plans like 401(k), 403(b), and governmental 457(b) plans.

What’s New in 2025?

Until now, individuals aged 50 and older could make additional "catch-up" contributions to their retirement plans; in 2025 that standard amount is $7,500. But beginning this year, individuals aged 60 to 63 are eligible to contribute up to $11,250 in catch-up contributions. That’s 150% of the regular catch-up limit.

This new rule is designed to give those nearing retirement a chance to significantly increase their savings during the critical final stretch of their working years.

Key Details to Know

• The increased catch-up applies only to participants who are ages 60–63 by the end of 2025.

• Once you turn 64, your catch-up limit returns to the standard age 50+ amount.

• This applies only to employer-sponsored retirement plans (like 401(k)s), not IRAs.

• Employers are not required to offer the super catch-up, so check with your plan administrator to see if it’s available in your plan.

These enhanced contributions provide a meaningful way to increase retirement savings and potentially reduce your current taxable income. If you’re in this age group, consider adjusting your contributions to take full advantage of the increased limit.

For employers, this could be a valuable plan feature to highlight for older employees looking to catch up on their retirement goals.

---

Under U.S. Treasury regulations, any tax advice in this communication is not intended or written to be used to avoid IRS penalties. Tzinberg & Associates provides this information for general guidance only. It does not constitute tax advice, accounting services, investment advice, or professional consulting. Consult a professional adviser before making decisions or taking action, as the information is provided "as is" without any warranties regarding its completeness, accuracy, or timeliness.