Updated 2026-04-21
401(k) Catch-Up Contribution Calculator (Ages 50+)
Calculate how catch-up contributions boost your retirement. $8,000 extra for 50+, $11,250 super catch-up for ages 60-63.
How This Calculator Works
This calculator uses 2026 IRS limits and current tax rules to provide personalized projections. All calculations factor in compound growth, employer matching where applicable, and the time value of money.
2026 IRS Limits Used in This Calculator
| Limit | 2026 Amount | Applies To |
|---|---|---|
| Employee Deferral | $24,500 | All participants under 50 |
| Catch-Up (50+) | $8,000 | Participants aged 50-59, 64+ |
| Super Catch-Up (60-63) | $11,250 | Participants aged 60-63 only |
| Total Annual Limit (415c) | $72,000 | Employee + employer combined |
| Compensation Limit | $350,000 | Max salary used for % calculations |
Key Assumptions
- Default market return: 7% annually (S&P 500 historical average minus inflation)
- Salary growth: 3% per year (Bureau of Labor Statistics average)
- Inflation: 2.5% (Federal Reserve target)
- Calculations use marginal tax rates for federal income tax
Note: Results are estimates for planning purposes. Actual returns will vary based on market conditions and individual investment choices.
Pavlo Pyskunov
Managing Director & Investment Fund Director
Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.
Last updated: 2026-04-21