Nachholbeitragsrechner — Formel

Catch-Up Contributions

Workers aged 50+ can contribute beyond regular limits.

2024 Catch-Up Limits

AccountRegular LimitCatch-UpTotal 401(k)$23,000$7,500$30,500 IRA$7,000$1,000$8,000

For ages 60-63, SECURE 2.0 allows an even higher 401(k) catch-up of $11,250 starting in 2025.

Lösungsbeispiel

Age 52, retire at 65, $7,500 401(k) + $1,000 IRA catch-up, 7% return.

  1. Years = 65 - 52 = 13
  2. Annual catch-up = $7,500 + $1,000 = $8,500
  3. Total contributed = $8,500 x 13 = $110,500
  4. With 7% growth = ~$177,000
  5. Growth on catch-ups = ~$66,500