401(k) Contribution Limit Calculator
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Guide
How It Works
Calculates maximum 401(k) employee elective deferrals factoring in statutory IRS cost-of-living adjustments (COLA) and SECURE 2.0 Act higher catch-up limits for employees aged 60 through 63.
Key Factors
Under SECURE 2.0 Section 109, workers aged 60 to 63 qualify for a "super catch-up" limit equal to 150% of the standard catch-up contribution. High earners ($145k+ prior-year FICA wages) must make catch-up contributions as after-tax Roth dollars.
Frequently Asked Questions
What is the baseline 401(k) limit?
Indexed in $500 increments based on CPI-U inflation data, the elective deferral limit adjusts annually to account for cost-of-living increases.
Who qualifies for the SECURE 2.0 super catch-up?
Employees who attain age 60, 61, 62, or 63 during the tax year are eligible for the enhanced catch-up contribution before reverting to standard catch-up at age 64.
Do employer matching contributions count against this limit?
No. Employer matches apply against the separate Section 415(c) overall annual additions limit, not your individual elective deferral cap.