The Power of 401(k) Catch-Ups

Once you turn 50, you are allowed to put more into your plan. See what those extra dollars could become.

Federal rules allow workers age 50 and older to make additional catch-up contributions to a workplace retirement plan. This calculator shows what those extra contributions alone could grow to by the time you retire, separate from everything else you are already saving.

Your timeline

Your current age

Age you plan to retire

Contributions

Annual catch-up contributionThe extra amount above the standard limit. Check the current IRS limit for your plan.

Assumed annual rate of returnA hypothetical constant rate used only for illustration.

Catch-Up Contributions

Where the value comes from

This calculator is provided for informational and educational purposes only. The results are hypothetical, are based solely on the figures you enter and the assumptions stated on this page, and do not account for taxes, fees, or your individual circumstances unless specifically noted. They are not a projection or a guarantee of future results, and they are not tax, legal, or accounting advice. Nothing on this page is an offer or a solicitation to buy any product. Please consult a qualified tax or legal professional about your situation. Nothing you enter is transmitted or stored. All figures remain in your browser and are cleared when you close this page. Catch-up contribution limits are set by the IRS and change over time. Confirm the current limit for your plan and your age before relying on any figure here. This calculator assumes a constant annual rate of return, which real accounts do not experience.