Starting January 1, 2026, workers earning over $150,000 in 2025 W-2 wages must make 401(k) catch-up contributions as designated Roth, which do not reduce current-year taxable income, marking the ...

The catch-up contribution limit for IRAs is currently $1,000, and the amount is not tied to inflation. That is set to change ...

Higher-income earners must make 401(k) catch-up contributions with after-tax dollars and place them in a Roth account.

New IRS rule pushes high earners into Roth catch-ups.

The Roth catch-up rule took effect in January 2026, but for many employers, compliance is only now becoming real. As 2025 bonuses are paid and higher-compensated employees begin to hit the catch-up ...

High earners have to pay tax on their catch-up 401(k) contributions and deposit them into workplace Roth accounts Though annoying, there are benefits to having some money in a Roth account. Dear Dan, ...

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 ...

Many high-income taxpayers are already fully taking advantage of a company-sponsored 401(k) plan by maximizing their annual pre-tax contributions. For taxpayers over age 50, that includes taking ...

Starting January 1, 2026, workers who earned more than $145,000 in the prior year can no longer make pre-tax catch-up contributions to their 401(k). Under Section 603 of SECURE 2.0, codified at IRC § ...

Head’s up, retirement savers: A new rule is kicking in this year. Starting in 2026, as per the Secure 2.0 Act of 2022, Section 603, catch-up contributions must go into a Roth account for workers ...