Roth catch-up calculator: is your 2026 catch-up mandatory Roth?

Enter your age, your prior-year FICA wages from your current employer, your desired catch-up contribution and your tax rate. See whether 2026's SECURE 2.0 rule forces your catch-up into Roth, which catch-up limit applies, and the paycheck difference between pre-tax and Roth.

✓ CheckedThresholds and limits from IRS Notice 2025-67 and the SECURE 2.0 final regulations

Your 2026 catch-up must be–

Catch-up limit that applies to you
Catch-up you can actually contribute
Wage threshold for 2026 (vs. your 2025 wages)

Paycheck impact: pre-tax catch-up vs. Roth catch-up

	If pre-tax (allowed)	Roth (after-tax)

How it works

Starting in 2026, SECURE 2.0 requires 401(k)/403(b)/governmental 457(b) catch-up contributions to be Roth if you are 50 or older and your prior-year FICA wages from that same employer exceeded $150,000 (IRS Notice 2025-67). The calculator checks your age against the $8,000 standard and $11,250 age-60-63 enhanced catch-up limits, compares your wages against the threshold, and -- since a plan with no Roth feature cannot let a mandated participant make any catch-up contribution at all -- flags that case too. More in the mandatory Roth catch-up guide.

Roth catch-up calculator: is your 2026 catch-up mandatory Roth?

Paycheck impact: pre-tax catch-up vs. Roth catch-up

How it works

Worked examples