A new rule is going into effect next year that will affect high earners who make “catch-up contributions” in their 401(k)s or other tax-deferred workplace retirement plans.The rule, which was created ...

In January 2026, the new Roth catch-up rules take effect. The mandate prevents workers over 50 who earned more than $150,000 the prior year from making pre-tax catch-up contributions to their 401(k).

The federal tax agency has set the 2026 catch-up contribution limits for 401(k) plans, signaling a new planning season for older workers and employers. The update defines how much savers aged 50 and ...

If you’re a high-earning, older worker, the rules for making “catch-up” contributions to a 401(k) or similar job-based retirement plan have changed. Starting this year, employees age 50 and older ...