If your prior-year FICA wages from your plan sponsor exceeded $150,000, the SECURE 2.0 Act requires your catch-up contributions to be designated Roth beginning in 2026. Roth contributions go in after-tax and grow tax-free for retirement. If your plan does not offer a Roth 401(k) option, you will not be able to make catch-up contributions at all, so confirm with your plan administrator. Work with your tax professional to model whether Roth catch-ups improve your long-term tax efficiency or if traditional catch-ups are the better option.
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