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

For 2026, employees age 50 and older who earned more than $150,000 in 2025 must make their catch-up contributions to a Roth 401 (k). (The law originally set the threshold at $145,000, but the amount ...

For Americans ages 45 to 54, the median 401(k) balance is just $67,769 according to Vanguard's How America Saves Report. This ...

As of 2026, several changes to 401(k) policies will take effect. The most significant change affects catch-up contributions, which many workers over age 50 use to increase their retirement plan ...

Starting in 2026, the 401(k) contribution limit is $24,500, up from $23,000 in 2025. Investors age 50 and older also get a higher catch-up contribution cap of $8,000 for 2026. However, most ...

Contributing to a 401(k) is a great way to build a solid retirement nest egg over time. And if you're 50 or older, you have an even greater opportunity to build up a large retirement plan balance, ...

Last year, the IRS issued final regulations related to limits set by the SECURE 2.0 Act to pre-tax contributions that employees aged 50 or older can add to their 401(k) plan as of January 1 this year.

Starting this year, some tax breaks will be off-limits for some retirement savers. That’s because of a new provision from Secure 2.0 that went into effect on Jan. 1, 2026. Individuals who earned more ...

How does your nest egg compare? Explore the average retirement savings by age in 2026 and learn expert strategies to catch up ...

Since 2002, retirement savers age 50 and over have had the option of making “catch-up” contributions to their 401(k) plans, which stack on top of the regular limits for employee contributions to ...