Are You Making the Most of Super Catch-Up Contributions?

DEAN CARPENTER, CPA

September 08, 2025

The SECURE Act 2.0 has introduced catch-up contribution choices for those aged 50+, designed to help boost your retirement savings.

These enhanced catch-up provisions are available if you're participating in workplace retirement plans like 401(k)s, 403(b)s, governmental 457 plans, and the federal government's Thrift Savings Plan—this follows other SECURE Act 2.0 changes, including revised Required Minimum Distribution (RMD) ages and expanded access to 401(k) plans for part-time employees.¹

The standard annual contribution limit for workplace retirement plans is reviewed annually and adjusted for inflation if necessary. Beyond this base limit, catch-up contributions allow those 50 and older to save additional amounts. From age 60, an even higher "super catch-up" contribution becomes available, which took effect in 2025.^2,3

Here's what you need to know about the different contribution tiers:

Standard annual contribution limit: $23,500 for 2025 (up from $23,000 in 2024, adjusted annually for inflation).
Age 50+ catch-up contribution: An additional $7,500 is available for those 50 and older, allowing total contributions of up to $31,000 annually.
Age 60-63 "super catch-up" contribution: A significantly higher limit of $11,250 for those specifically aged 60-63 (replacing the standard $7,500 catch-up), enabling total annual contributions of up to $34,750 during these peak earning years.
SIMPLE plan participants: The standard contribution limit is $16,500 for 2025, with a regular catch-up of $3,500 for those 50+ and an enhanced super catch-up of $5,250 for those 60-63.
For regular Individual Retirement Accounts (IRAs), the annual contribution limit is $7,000 for 2025, with an additional $1,000 catch-up amount available for those over age 50.

Let's schedule a conversation if you'd like to explore how these contribution choices could fit into your retirement strategy.

^1.^{IRS, November 2024}

^{2. Investopedia, November 2024}

^{3. Voya Financial, December 2024}

This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm.

Forecasts are based on assumptions and are subject to revisions over time. Financial, economic, political, and regulatory issues may cause the actual results to differ from the expectations expressed in the forecast.

Once you reach age 73, you must begin taking required minimum distributions (RMDs) from your 401(k) or other defined contribution plans in most circumstances. Withdrawals from your 401(k) or other defined contribution plans are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty.

Once you reach age 73, you must begin taking RMDs from a traditional IRA in most circumstances. Withdrawals from traditional IRAs are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty.