What changed with 401(k) catch-up contributions in 2026?
The short answer
Starting in 2026, higher earners age 50 and older must make their catch-up contributions to a Roth account instead of a pre-tax account. That means paying tax on that money now rather than later. It's a good time to look at your overall tax mix and how this fits your plan.
Hear Mike discuss it
Reviewed by the 1.oak Financial team · Educational information, not individualized advice. Investment advisory and financial planning services offered through Advisory Alpha, LLC, a Registered Investment Advisor.
