Here’s what HIVE AI had to say about “What is the maximum 401(k) catch-up contribution at age 50+?”:

401(k) age 50+ catch-up limit

Standard catch-up (most 401(k), 403(b), governmental 457(b), SARSEP)

• $7,500 for 2025 and 2024. 1

Special higher catch-up for ages 60–63 (SECURE 2.0)

• For 2025 only, if you turn age 60, 61, 62, or 63 in 2025 and your plan permits it, the 401(k)/403(b)/governmental 457(b) catch-up limit is $11,250 instead of $7,500. 1

SIMPLE plans note

• SIMPLE 401(k)/SIMPLE IRA standard age 50+ catch-up is $3,500 for 2025; certain “applicable SIMPLE” plans have different COLA-adjusted catch-up amounts. 1

Additional context

• IRS confirms the overall 2025 elective deferral limit is $23,500; combined with the $7,500 age‑50 catch‑up, most age‑50+ participants can defer up to $31,000, subject to plan terms. 2

If you tell me your plan type and age in 2025, I can pinpoint your exact limit.

Sources

1 – Notice 2024-80 📄 Summarize
2 – IRS Newsroom – IR-2024-285 📄 Summarize

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