What is the special 60-to-63 catch-up contribution under SECURE 2.0?

SECURE 2.0 created a 'super catch-up' for workers in a narrow age window. Normally, people 50 and older can add a $7,500 catch-up to their 401(k) on top of the $23,500 base limit in 2025. But starting in 2025, if you're between ages 60 and 63, you can contribute an even larger catch-up — $11,250 instead of $7,500 — letting you defer up to $34,750 of your own salary that year. The bigger amount applies only in the calendar years you're 60, 61, 62, or 63; at 64 you drop back to the standard $7,500 catch-up. It's designed to help people supercharge savings in the final stretch before retirement. If you're in that age band, raise your contribution rate to capture the extra room. Model the late-career boost at wealthserene.com/tools/retirement-planner.