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RetirePro Daily Brief · October 22, 2026
Catch-up contributions after 50
Once you turn 50, the IRS lets you add $7,500 more to your 401(k) or $1,000 to an IRA each year. These catch-up amounts compound over 15 years without requiring big spending cuts. Many people find room by redirecting small raises or one-time bonuses instead.
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