What’s New in 2025: The “Super” Catch-Up

Thanks to changes passed as part of SECURE Act 2.0, workers ages 60 to 63 now get a special boost in their retirement contribution limits.

Here’s how the 2025 contribution limits break down:

Ages 50–59 or 64 and older:

• Standard Contribution Limit: $23,500
• Catch-Up Contribution: $7,500
• Total Possible Contribution: $31,000

Ages 60–63:

• Standard Contribution Limit: $23,500
• “Super” Catch-Up Contribution: $11,250
• Total Possible Contribution: $34,750 💥

That’s an extra $3,750 of tax-deferred savings per year — which could compound significantly if you’re only a few years away from retirement.

Who’s Eligible?

This applies to individuals between the ages of 60 and 63 who are contributing to any of the following plans:

• 401(k)
• 403(b)
• 457(b)

It’s important to note: Employers must choose to adopt this feature in their plan documents.

While most employers are expected to offer it, you’ll want to double-check with your HR or plan administrator.

Why This Matters

These “super” catch-up contributions come at a critical time:

• You’re likely in your peak earning years
• Your tax bracket may be higher than ever
• And you’re only a few years away from retirement withdrawals

Taking advantage of these higher contribution limits allows you to:

✅ Increase savings during a short but crucial window
✅ Reduce your taxable income while working
✅ Potentially lower Required Minimum Distributions (RMDs) in the future
✅ Build a more tax-efficient income stream in retirement

Final Thoughts

If you’re between 60 and 63, this new rule gives you a limited-time window to save more than ever before.

It’s a smart move for anyone who:

• Wants to catch up on retirement savings
• Needs to maximize tax deductions
• Is planning for retirement income flexibility and efficiency

Not sure how to take full advantage of the 2025 contribution rules?

Or whether you should be prioritizing pre-tax vs. Roth contributions?

Let’s chat. 💬