401k Complete Guide
401k Complete Guide, Retirement Planning
401(k) Catch-Up Contributions 2027: What the IRS Rules Show for People Over 50
The official 2027 401(k) catch-up limits don't exist yet — the IRS announces them in October or November. But the rules that govern catch-up contributions are already confirmed for 2026: standard catch-up $8,000 (ages 50+), super catch-up $11,250 (ages 60–63), and mandatory Roth treatment for workers above $150,000 in 2025 FICA wages. This article covers what's confirmed versus projected, and how to plan ahead of the official announcement.
401k Complete Guide, Retirement Planning
Year-End 401(k) Moves for 2026: What the IRS Data Shows You Should Review
The 2026 employee 401(k) deferral limit is $24,500. Workers ages 60–63 can reach $35,750 under the IRS Notice 2025-67 super catch-up. Both figures expire permanently December 31 — unlike an IRA, there's no April extension for employee deferrals. And starting January 1, 2026, workers age 50+ who earned above $150,000 in 2025 FICA wages must route all catch-up contributions to Roth. Here's what the IRS data shows you should review before December 31.
401k Complete Guide, Retirement Planning
401k Contribution Deadline 2026: The Real Rules Behind the Date
December 31 isn't the real deadline. I researched the IRS rules behind the 2026 401(k) contribution cutoff — and the payroll timing, catch-up limits, and new Roth requirement that actually matter.
