Richard Pon, CPA, CFP - Tax Expert
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401K Contributions Depend On Your Age

Starting 2025, workers between 60 and 63 can make a super catch-up contribution of up to $11,250 (1.5 times the regular 401k catchup contribution). This is in addition to the regular retirement plan contribution limit of $23,500.

 Contribution limits by age 

  • Under 50: The annual contribution limit is $23,500

  • 50–59: The annual contribution limit is $31,000 ($23,500 + $7,500 regular catchup contribition)

  • 60–63: The annual contribution limit is $34,750 ($23,500 + $11,250 super catch-up contribution)

  • 64 and over: The annual contribution limit is $31,000 ($23,500 + $7,500 regular catchup contribution)

Richard Pon CPA, CFP