Have You Saved Enough for Retirement? As you move through your 50s and early 60s, it’s natural to take a closer look at your retirement savings and consider whether you want to strengthen your plan even further. If you’ve been diligent about saving over the years, the IRS gives you an opportunity to build on that strong foundation through Catch‑Up Contributions—extra amounts you can add to certain retirement accounts once you turn 50.
2026 Catch‑Up Limits (Age 50+)
Traditional & Roth IRA: $7,000 + $1,600 catch‑up = $8,600 total
401(k), 403(b), 457, TSP: $23,000 + $7,500 catch‑up = $30,500 total
SIMPLE IRA/401(k): $16,000 + $3,500 catch‑up = $19,500 total
These additional contributions are designed for savers who want to maximize the final stretch before retirement and make the most of the momentum they’ve already built.
If you’d like to review your strategy or fine‑tune your plan as you approach retirement, we’re here to help you move confidently toward the future you’ve worked hard to prepare for.