Roth Catch-Up Contributions: New Rules for High Earners
Durham News Today | 2 Min News | The Daily News Now! · The Daily News Now!
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Show Notes
In 2026, high earners aged 50 and above, earning $150,000 or more in 2025, must switch to Roth accounts for catch-up contributions in their 401(k), 457, or 403(b) plans. The base limit increases to $24,500, with an $8,000 catch-up for most over 50, but plans without Roth options block these extras. The super catch-up for ages 60-63 jumps to $11,250. High earners lose tax deferral on catch-ups, leading to bigger tax bills. Those without Roth plans face zero catch-ups, pushing many to rethink retirement boosts. Consider Roth IRAs, traditional IRAs with partial deductions, or taxable brokerage accounts. Consult your financial advisor to adjust contributions and maximize retirement wealth.
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