The standard catch-up applies to savers 50 and older and is $8,000 for 401(k) plans in 2026. The super catch-up is a higher limit of $11,250 that applies only to savers who turn 60, 61, 62, or 63 during the year. The super catch-up is optional and replaces the standard catch-up for that age window, but only if your plan permits it. Employers that are part of a controlled group may have less flexibility in offering it.
We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.
