Quiz: Are You Ready for the 2026 401(k) Catch-Up Shakeup?
If you are 50 or older and a high earner, these new catch-up rules fundamentally change how your "extra" retirement savings are taxed and reported.
After a two-year "administrative transition period" provided by the IRS, one of the SECURE 2.0 Act's most talked-about provisions — the Roth catch-up mandate — is now the law of the land.
If you are 50 or older and a high earner, these rules fundamentally change how your "extra" retirement savings are taxed and reported. Making a mistake here doesn't just mean a missed savings opportunity; it could lead to unexpected tax bills.
Follow the links below to learn more about Roth 401(k)s and the new catch-up provisions and how they impact your retirement income.
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More on Roth 401(k)s and catch-up rules:
- 6 Changes to IRAs, 401(k)s and HSAs in 2026
- The 2026 Retirement Catch-Up Curveball: What High Earners 50 and Older Need to Know Now
- What to Do If You Plan to Make Catch-Up Contributions in 2026
- Roth 401(k) Contribution Limits for 2026
- Roth 401(k) vs 401(k): Which Is Right for You?
- IRA Conversion to Roth: Rules to Convert an IRA or 401(k) to a Roth IRA
- Roth IRA Contribution Limits for 2026
- Average IRA Balance by Age and Generation
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