Catch-up contribution per pay period, 2025
This works out one number from the 401(k) Catch-Up Contribution figures published for 2025. Every amount it uses is below, with the document it was read from. What you enter is your own: this site has no way to check it, and the answer it produces is not a published figure.
Effective 2025-01-01Source: Notice 2024-80 (IRS)Verified 2026-09-01
How it is worked out
The published annual amount less what you enter as contributed so far, divided by the number of pay periods you choose, and rounded down to the nearest cent so the periods never add to more than the limit. Where you have already contributed the whole amount, the answer is nothing.
Which catch-up limit applies to you, from the 2 this year publishes: Catch-up limit, age 50 and over (+$7,500), Catch-up limit, ages 60 through 63 (+$11,250). The calculator uses the one you pick and says which.
Figures in this colour are computed from the amounts above. They are not published figures and no document states them.
Work it out
The live calculator needs JavaScript. The table below covers common amounts and is computed the same way.
Worked out for common amounts
| Catch-up contributed so far this year | Catch-up limit, age 50 and over | Catch-up limit, ages 60 through 63 |
|---|---|---|
| 0 | $312.50 | $468.75 |
| 2,000 | $229.16 | $385.41 |
| 4,000 | $145.83 | $302.08 |
| 6,000 | $62.50 | $218.75 |
How each figure was verified
Each number below was read from a stored copy of the document named beside it, and checked to occur word for word in the quoted sentence. The digest is of that stored text.
Notice 2024-80 (IRS)
- Catch-up limit, age 50 and over
The limitation under section 414(v)(2)(B)(i) for catch-up contributions to an applicable employer plan other than a plan described in section 401(k)(11) or section 408(p) that generally applies for individuals aged 50 or over remains $7,500.
- Catch-up limit, ages 60 through 63
The limitation under section 414(v)(2)(E)(i) for catch-up contributions to an applicable employer plan other than a plan described in section 401(k)(11) or section 408(p) that applies for individuals who attain age 60, 61, 62, or 63 in 2025 is $11,250.
Every 2025 401(k) Catch-Up Contribution figure · 401(k) Catch-Up Contribution in every year · Every calculator on this site
The same calculator for another year: 2026