🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 93 (from laksa019)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa093.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.fidelity.com/viewpoints/retirement/catch-up-contributions\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.fidelity.com/viewpoints/retirement/catch-up-contributions\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.fidelity.com\/viewpoints\/retirement\/catch-up-contributions","crawl_time":1775934122,"first_indexed_time":1487787003,"http_code":200,"src_unparsed":"com,fidelity!www,\/viewpoints\/retirement\/catch-up-contributions s443","src_root_hash":"17952695050214760493","history_drop_reason":null,"meta_title":"Catch-up contributions to tax-advantaged accounts | Fidelity","meta_descriptions":["If you are 50 or older, learn how to grow your savings through catch-up contributions."],"attrs_boilerpipe_text":"The notion that turning age 50 means starting to slow down is likely a young person's opinion. People who have hit \"the big five-oh\" know better. The prospect of retiring is getting closer, and there's a lot of living ahead. So it's important to ensure you have the money to live the life you've planned.\nFortunately, the federal government recognizes that people approaching retirement age often need to pick up the pace to ensure they have saved enough for retirement. The tax code provides \"catch-up\" savings opportunities so that people age 50 and older can increase their tax-advantaged contributions to IRAs, 401(k)s, and HSAs (starting at age 55).\nTaking advantage of catch-up contributions can deliver a significant boost to your retirement saving. For example, if you turn 50 this year and put an extra $1,100 into your IRA at the beginning of each year for the next 20 years, and it earns an average return of 7% a year, you could have just over $48,000 more in your account than someone who didn't take advantage of the catch-up.\n1\nAnd the impact can be even greater for a 401(k) or similar plan, where the catch-up contribution opportunity is larger.\nReady to start catching up with your retirement savings? Here's how:\n1. Know if your retirement saving is on track\nAre you on track to cover essential expenses in retirement? The first step is to find out how your savings—and savings rate—stack up. To get an indication of how prepared you really are, get your\nFidelity Retirement Score\nSM\n. It takes about 60 seconds to answer 6 simple questions.\nWhatever your score or your age, you can take some simple steps to stay on track or improve your retirement readiness.\nFidelity Retirement Score\nSM\ncan show you how adjustments to monthly savings, investment style, and other factors could impact your preparedness.\nTip:\nWant a more in-depth analysis of your retirement readiness? Visit Fidelity's\nPlanning & Guidance Center\n.\n2. Make the most of catch-up provisions\nOnce you reach age 50, catch-up provisions in the tax code allow you to increase your tax-advantaged savings in several types of retirement accounts.\nFor a\ntraditional or Roth IRA\n, the annual catch-up amount in 2025 is $1,000 and in 2026 is $1,100, which boosts your total contribution potential to IRAs to $8,000 and $8,600.\nIf you participate in a\n401(k)\n,\nRoth 401(k)\n,\n403(b)\n, or similar workplace retirement savings plan, the catch-up opportunity is even greater. The standard catch-up amount for people age 50+ is $8,000 in 2026 (up from $7,500 in 2025): This makes the total catch-up limit in 2026 for people age 50+ to be $32,500 ($8,000 + the base $24,500 limit, up from $31,000 in 2025). For people age 60-63, there is an enhanced $11,250 “super catch-up,” replacing the $8,000, provided your plan offers this SECURE 2.0 provision: That makes the total catch-up limit in 2026 for people age 60-63 to be $35,750 ($11,250 + the base $24,500 limit, up from $32,500 in 2025).\nThe SECURE 2.0 Act of 2022 introduced new requirements for high earners: Starting this year, in 2026, if you earned at least $150,000 in 2025, all catch-up contributions at age 50 or older will need to be made to a Roth account in after-tax dollars. Individuals earning less than $150,000, adjusted for inflation going forward, will be exempt from the Roth requirement.\nParticipants in retirement accounts designed for self-employed individuals and small businesses can also take advantage of catch-up contributions:\nFor a\nSIMPLE IRA\n: The annual catch-up amount in 2025 was $3,500 for those people age 50-59 and 64+. For those age 60-63, the catch-up was $5,250. For 2026, the catch-up for those age 50-59 and 64+ is $4,000 and for those age 50-59 and 64+, $5,250. For companies with 25 for fewer employees or with 26-100 employees, provided they offer a 4% matching contribution or 3% non-elective contribution, employees may contribute 110% of the 2024 catch-up amount, which is $3,850, for both 2025 and 2026. This is instead of, not on top of, the regular catch-up amount.\nFor a\nSE401(k)\n, the annual catch-up amount in 2026 for people age 50-59 and 64+ is $8,000 (up from $7,500 in 2025): This makes the total catch-up limit in 2026 for people in this age group to be $31,500 ($8,000 + the base $23,500 limit, up from $31,000 in 2025). For people age 60-63, there is an enhanced $11,250 “super catch-up,” replacing the $7,500, provided your plan offers this provision: That makes the total catch-up limit in 2026 for people in this age group to be $35,750 ($11,250 + the base $24,500 limit).\n3. Harness the power of tax-advantaged accounts\nEven if you're on track with your retirement savings, tax-advantaged accounts are attractive long-term investment vehicles and tax-efficient planning tools.\nWith traditional IRAs or 401(k)s, contributions reduce your taxable income in the current year, as long as you are eligible, though withdrawals are taxable.\n2\nThese traditional accounts also offer tax-deferred compounding. With Roth IRAs, you pay taxes up front but qualified withdrawals are tax-free when you reach age 59½, assuming certain conditions are met.\n3\nRoth IRAs offer the potential for tax-free compounding.\nTip:\nCompare IRA options\n—traditional or Roth—to see which might be right for you.\nIf your employer offers a high-deductible health care plan (HDHP) with an HSA, you may want to consider electing the HDHP and opening an HSA. HSAs have a unique triple tax advantage\n4\nthat can make them a powerful savings vehicle for qualified medical expenses in current and future years: Contributions, earnings, and withdrawals are tax-free for federal tax purposes.\nTo make the most of your HSA (if you have access to one and you can afford it), you may want to consider paying for current-year qualified medical expenses out of pocket, and letting your HSA contributions remain invested in your HSA. That way, the money has the potential to grow tax-free\n5\nand be used to pay for future qualified medical expenses, including those in retirement. If you don't reimburse medical expenses in the current year, keep your receipts. You may reimburse yourself for past year expenses, as long as you incurred your qualified medical expense after you established your HSA.\nFor more on HSAs, read\nViewpoints\non Fidelity.com:\n5 ways HSAs can fortify your retirement\nTip:\nLearn more about HSAs and consider\nopening a Fidelity HSA\n. Since HSAs are portable, you can\ntransfer account balances\nin HSAs from any of your previous employers to a Fidelity HSA.\n3\n4. Invest for the future\nWhile regular contributions to tax-advantaged retirement accounts may help keep you on track to reach your retirement savings goal, your investment mix (asset allocation) is an important factor too. Consider whether investing a significant portion of your savings in a mix of US and international stocks and stock mutual funds may help you reach your long-term savings goals, since stocks have historically outperformed bonds and cash over the long term. You may want to think about gradually reducing the percentage of investments that you allocate to stocks as you get older. Employees who receive company stock through equity compensation plans should consider that in determining asset allocation and concentrated stock position risk.\nWhatever your projected retirement date, your goal should be to have a portfolio with exposure to various types of investments that can provide the opportunity for growth and the potential to outpace inflation, along with investments that offer some degree of risk-reducing diversification. Of course, stocks come with more ups and downs than bonds or cash, so you need to be comfortable with those risks. You should always make sure that your investment mix reflects your time horizon, tolerance for risk, and financial situation.\nGoal: Enjoy retirement\nAs you plan for the day you retire, taking full advantage of tax-advantaged savings accounts, including catch-up provisions, may help you arrive in a significantly stronger position to enjoy the retirement lifestyle you envision.","attrs_markdown":"[Skip to main content](https:\/\/www.fidelity.com\/viewpoints\/retirement\/catch-up-contributions#navSkipToContent)\n\n[Fidelity.com Home](https:\/\/www.fidelity.com\/)\n\n[Log in](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page)\n\n- [Accounts & Trade]()\n  - [Portfolio](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page?AuthRedUrl=https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/summary)\n  - [Account Positions](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/positions)\n  - [Trade](https:\/\/digital.fidelity.com\/ftgw\/digital\/trade-equity\/index\/orderEntry)\n  - [Fidelity Trader+ Web](https:\/\/digital.fidelity.com\/ftgw\/digital\/trader-dashboard)\n  - [Fidelity Trader+](https:\/\/www.fidelity.com\/trading\/trading-platforms)\n  - [Transfers](https:\/\/www.fidelity.com\/customer-service\/money-movement)\n  - [Cash Management](https:\/\/digital.fidelity.com\/ftgw\/digital\/cashmanagement)\n  - [Bill Pay](https:\/\/digital.fidelity.com\/ftgw\/digital\/billpay\/home)\n  - [Full View®](https:\/\/digital.fidelity.com\/ftgw\/pna\/customer\/pgc\/networth\/)\n  - [Security Settings](https:\/\/digital.fidelity.com\/ftgw\/digital\/security\/dashboard\/view)\n  - [Account Features](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/features)\n  - [Documents](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/documents)\n  - [Tax Forms & Information](https:\/\/www.fidelity.com\/tax-information\/overview)\n  - [Retirement Distributions](https:\/\/digital.fidelity.com\/ftgw\/digital\/mrdhub)\n  - [Refer a Friend](https:\/\/www.fidelity.com\/customer-service\/friendsandfamily3a)\n- [Retirement]()\n  - [Retirement Planning](https:\/\/www.fidelity.com\/retirement\/retirement-planning)\n  - [401(k) Rollovers & IRA Transfers](https:\/\/www.fidelity.com\/retirement\/401k-rollover)\n  - [Retirement Accounts](https:\/\/www.fidelity.com\/retirement\/retirement-accounts)\n  - [Retirement Education](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement-education)\n- [Wealth Management]()\n  - [Wealth Management Offerings](https:\/\/www.fidelity.com\/wealth\/wealth-management-offerings)\n  - [Financial Advisors](https:\/\/www.fidelity.com\/wealth\/financial-advisors)\n  - [Financial Planning](https:\/\/www.fidelity.com\/wealth\/financial-planning)\n  - [Investment Management](https:\/\/www.fidelity.com\/wealth\/investment-management)\n  - [Wealth Management Insights](https:\/\/www.fidelity.com\/learning-center\/wealth-management-insights)\n- [News & Research]()\n  - [News](https:\/\/www.fidelity.com\/news\/overview)\n  - [Wealth Management Insights](https:\/\/www.fidelity.com\/learning-center\/wealth-management-insights)\n  - [Watchlist](https:\/\/digital.fidelity.com\/ftgw\/digital\/watwebex)\n  - [Alerts](https:\/\/alertable.fidelity.com\/ftgw\/digital\/alerts)\n  - [Stocks, ETFs, Crypto](https:\/\/digital.fidelity.com\/prgw\/digital\/research\/src)\n  - [Mutual Funds](https:\/\/fundresearch.fidelity.com\/fund-screener)\n  - [Fixed Income, Bonds & CDs](https:\/\/fixedincome.fidelity.com\/ftgw\/fi\/FILanding)\n  - [Options](https:\/\/digital.fidelity.com\/ftgw\/digital\/options-home\/)\n  - [IPOs](https:\/\/brokerage.fidelity.com\/ftgw\/brkg\/ipo\/calendar)\n  - [Annuities](https:\/\/fundresearch.fidelity.com\/fund-screener\/annuities\/)\n  - [Learn](https:\/\/www.fidelity.com\/learning-center\/overview)\n- [Products]()\n  - [Spending & Saving](https:\/\/www.fidelity.com\/spend-save\/overview)\n  - [Investing & Trading](https:\/\/www.fidelity.com\/trading\/overview)\n  - [Mutual Funds](https:\/\/www.fidelity.com\/mutual-funds\/overview)\n  - [Crypto](https:\/\/www.fidelity.com\/crypto\/overview)\n  - [Direct Indexing](https:\/\/www.fidelity.com\/direct-indexing\/overview)\n  - [Fixed Income, Bonds & CDs](https:\/\/www.fidelity.com\/fixed-income-bonds\/overview)\n  - [ETFs](https:\/\/www.fidelity.com\/etfs\/investing-in-etfs)\n  - [Options](https:\/\/www.fidelity.com\/options-trading\/overview)\n  - [Sustainable Investing](https:\/\/www.fidelity.com\/sustainable\/overview)\n  - [529 College Savings](https:\/\/www.fidelity.com\/529-plans\/overview)\n  - [Health Savings Accounts](https:\/\/www.fidelity.com\/go\/hsa\/why-hsa)\n  - [Annuities](https:\/\/www.fidelity.com\/annuities\/overview)\n  - [Life Insurance](https:\/\/www.fidelity.com\/life-insurance\/term-life-insurance\/overview)\n\n- [Customer Service](https:\/\/www.fidelity.com\/customer-service\/overview)\n- [Fidelity Assistant](https:\/\/www.fidelity.com\/customer-service\/overview?ccsource=FA_NAV)\n- [Profile](https:\/\/digital.fidelity.com\/ftgw\/digital\/profile)\n\n[Log in](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page) [Open an account](https:\/\/www.fidelity.com\/open-account\/overview)\n\n[Fidelity.com Home](https:\/\/www.fidelity.com\/)\n\n- [Customer Service](https:\/\/www.fidelity.com\/customer-service\/overview)\n- [Fidelity Assistant](https:\/\/www.fidelity.com\/customer-service\/overview?ccsource=FA_NAV)\n- [Profile](https:\/\/digital.fidelity.com\/ftgw\/digital\/profile)\n- [Open an account](https:\/\/www.fidelity.com\/open-account\/overview)\n- [Log in](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page)\n\n- [Accounts & Trade]()\n  - [Portfolio](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page?AuthRedUrl=https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/summary)\n  - [Account Positions](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/positions)\n  - [Trade](https:\/\/digital.fidelity.com\/ftgw\/digital\/trade-equity\/index\/orderEntry)\n  - [Fidelity Trader+ Web](https:\/\/digital.fidelity.com\/ftgw\/digital\/trader-dashboard)\n  - [Fidelity Trader+](https:\/\/www.fidelity.com\/trading\/trading-platforms)\n  - [Transfers](https:\/\/www.fidelity.com\/customer-service\/money-movement)\n  - [Cash Management](https:\/\/digital.fidelity.com\/ftgw\/digital\/cashmanagement)\n  - [Bill Pay](https:\/\/digital.fidelity.com\/ftgw\/digital\/billpay\/home)\n  - [Full View®](https:\/\/digital.fidelity.com\/ftgw\/pna\/customer\/pgc\/networth\/)\n  - [Security Settings](https:\/\/digital.fidelity.com\/ftgw\/digital\/security\/dashboard\/view)\n  - [Account Features](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/features)\n  - [Documents](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/documents)\n  - [Tax Forms & Information](https:\/\/www.fidelity.com\/tax-information\/overview)\n  - [Retirement Distributions](https:\/\/digital.fidelity.com\/ftgw\/digital\/mrdhub)\n  - [Refer a Friend](https:\/\/www.fidelity.com\/customer-service\/friendsandfamily3a)\n- [Retirement]()\n  - [Retirement Planning](https:\/\/www.fidelity.com\/retirement\/retirement-planning)\n  - [401(k) Rollovers & IRA Transfers](https:\/\/www.fidelity.com\/retirement\/401k-rollover)\n  - [Retirement Accounts](https:\/\/www.fidelity.com\/retirement\/retirement-accounts)\n  - [Retirement Education](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement-education)\n- [Wealth Management]()\n  - [Wealth Management Offerings](https:\/\/www.fidelity.com\/wealth\/wealth-management-offerings)\n  - [Financial Advisors](https:\/\/www.fidelity.com\/wealth\/financial-advisors)\n  - [Financial Planning](https:\/\/www.fidelity.com\/wealth\/financial-planning)\n  - [Investment Management](https:\/\/www.fidelity.com\/wealth\/investment-management)\n  - [Wealth Management Insights](https:\/\/www.fidelity.com\/learning-center\/wealth-management-insights)\n- [News & Research]()\n  - [News](https:\/\/www.fidelity.com\/news\/overview)\n  - [Wealth Management Insights](https:\/\/www.fidelity.com\/learning-center\/wealth-management-insights)\n  - [Watchlist](https:\/\/digital.fidelity.com\/ftgw\/digital\/watwebex)\n  - [Alerts](https:\/\/alertable.fidelity.com\/ftgw\/digital\/alerts)\n  - [Stocks, ETFs, Crypto](https:\/\/digital.fidelity.com\/prgw\/digital\/research\/src)\n  - [Mutual Funds](https:\/\/fundresearch.fidelity.com\/fund-screener)\n  - [Fixed Income, Bonds & CDs](https:\/\/fixedincome.fidelity.com\/ftgw\/fi\/FILanding)\n  - [Options](https:\/\/digital.fidelity.com\/ftgw\/digital\/options-home\/)\n  - [IPOs](https:\/\/brokerage.fidelity.com\/ftgw\/brkg\/ipo\/calendar)\n  - [Annuities](https:\/\/fundresearch.fidelity.com\/fund-screener\/annuities\/)\n  - [Learn](https:\/\/www.fidelity.com\/learning-center\/overview)\n- [Products]()\n  - [Spending & Saving](https:\/\/www.fidelity.com\/spend-save\/overview)\n  - [Investing & Trading](https:\/\/www.fidelity.com\/trading\/overview)\n  - [Mutual Funds](https:\/\/www.fidelity.com\/mutual-funds\/overview)\n  - [Crypto](https:\/\/www.fidelity.com\/crypto\/overview)\n  - [Direct Indexing](https:\/\/www.fidelity.com\/direct-indexing\/overview)\n  - [Fixed Income, Bonds & CDs](https:\/\/www.fidelity.com\/fixed-income-bonds\/overview)\n  - [ETFs](https:\/\/www.fidelity.com\/etfs\/investing-in-etfs)\n  - [Options](https:\/\/www.fidelity.com\/options-trading\/overview)\n  - [Sustainable Investing](https:\/\/www.fidelity.com\/sustainable\/overview)\n  - [529 College Savings](https:\/\/www.fidelity.com\/529-plans\/overview)\n  - [Health Savings Accounts](https:\/\/www.fidelity.com\/go\/hsa\/why-hsa)\n  - [Annuities](https:\/\/www.fidelity.com\/annuities\/overview)\n  - [Life Insurance](https:\/\/www.fidelity.com\/life-insurance\/term-life-insurance\/overview)\n\n[Skip to main content](https:\/\/www.fidelity.com\/viewpoints\/retirement\/catch-up-contributions#navSkipToContent)\n\n[Fidelity.com Home](https:\/\/www.fidelity.com\/)\n\n[Log in](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page)\n\n- [Accounts & Trade]()\n  - [Portfolio](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page?AuthRedUrl=https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/summary)\n  - [Account Positions](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/positions)\n  - [Trade](https:\/\/digital.fidelity.com\/ftgw\/digital\/trade-equity\/index\/orderEntry)\n  - [Fidelity Trader+ Web](https:\/\/digital.fidelity.com\/ftgw\/digital\/trader-dashboard)\n  - [Fidelity Trader+](https:\/\/www.fidelity.com\/trading\/trading-platforms)\n  - [Transfers](https:\/\/www.fidelity.com\/customer-service\/money-movement)\n  - [Cash Management](https:\/\/digital.fidelity.com\/ftgw\/digital\/cashmanagement)\n  - [Bill Pay](https:\/\/digital.fidelity.com\/ftgw\/digital\/billpay\/home)\n  - [Full View®](https:\/\/digital.fidelity.com\/ftgw\/pna\/customer\/pgc\/networth\/)\n  - [Security Settings](https:\/\/digital.fidelity.com\/ftgw\/digital\/security\/dashboard\/view)\n  - [Account Features](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/features)\n  - [Documents](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/documents)\n  - [Tax Forms & Information](https:\/\/www.fidelity.com\/tax-information\/overview)\n  - [Retirement Distributions](https:\/\/digital.fidelity.com\/ftgw\/digital\/mrdhub)\n  - [Refer a Friend](https:\/\/www.fidelity.com\/customer-service\/friendsandfamily3a)\n- [Investing]()\n  - [Self Directed Investing](https:\/\/www.fidelity.com\/investing\/trading)\n  - [Advanced Trading](https:\/\/www.fidelity.com\/investing\/advanced-trading)\n  - [Investing for a Child](https:\/\/www.fidelity.com\/investing\/investing-for-kids)\n  - [Managing Cash & Credit](https:\/\/www.fidelity.com\/investing\/manage-cash-credit-lending)\n  - [Investment Accounts & Products](https:\/\/www.fidelity.com\/investing\/investment-accounts)\n  - [Investing & Trading Education](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/investing-trading-education)\n- [Retirement]()\n  - [Retirement Planning](https:\/\/www.fidelity.com\/retirement\/retirement-planning)\n  - [401(k) Rollovers & IRA Transfers](https:\/\/www.fidelity.com\/retirement\/401k-rollover)\n  - [Retirement Accounts](https:\/\/www.fidelity.com\/retirement\/retirement-accounts)\n  - [Retirement Education](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement-education)\n- [Wealth Management]()\n  - [Wealth Management Offerings](https:\/\/www.fidelity.com\/wealth\/wealth-management-offerings)\n  - [Financial Advisors](https:\/\/www.fidelity.com\/wealth\/financial-advisors)\n  - [Financial Planning](https:\/\/www.fidelity.com\/wealth\/financial-planning)\n  - [Investment Management](https:\/\/www.fidelity.com\/wealth\/investment-management)\n  - [Wealth Management Insights](https:\/\/www.fidelity.com\/learning-center\/wealth-management-insights)\n- [News & Research]()\n  - [News](https:\/\/www.fidelity.com\/news\/overview)\n  - [Wealth Management Insights](https:\/\/www.fidelity.com\/learning-center\/wealth-management-insights)\n  - [Watchlist](https:\/\/digital.fidelity.com\/ftgw\/digital\/watwebex)\n  - [Alerts](https:\/\/alertable.fidelity.com\/ftgw\/digital\/alerts)\n  - [Stocks, ETFs, Crypto](https:\/\/digital.fidelity.com\/prgw\/digital\/research\/src)\n  - [Mutual Funds](https:\/\/fundresearch.fidelity.com\/fund-screener)\n  - [Fixed Income, Bonds & CDs](https:\/\/fixedincome.fidelity.com\/ftgw\/fi\/FILanding)\n  - [Options](https:\/\/digital.fidelity.com\/ftgw\/digital\/options-home\/)\n  - [IPOs](https:\/\/brokerage.fidelity.com\/ftgw\/brkg\/ipo\/calendar)\n  - [Annuities](https:\/\/fundresearch.fidelity.com\/fund-screener\/annuities\/)\n  - [Learn](https:\/\/www.fidelity.com\/learning-center\/overview)\n\n- [Customer Service](https:\/\/www.fidelity.com\/customer-service\/overview)\n- [Fidelity Assistant](https:\/\/www.fidelity.com\/customer-service\/overview?ccsource=FA_NAV)\n- [Profile](https:\/\/digital.fidelity.com\/ftgw\/digital\/profile)\n\n[Log in](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page) [Open an account](https:\/\/www.fidelity.com\/open-account\/overview)\n\n[Fidelity.com Home](https:\/\/www.fidelity.com\/)\n\n- [Customer Service](https:\/\/www.fidelity.com\/customer-service\/overview)\n- [Fidelity Assistant](https:\/\/www.fidelity.com\/customer-service\/overview?ccsource=FA_NAV)\n- [Profile](https:\/\/digital.fidelity.com\/ftgw\/digital\/profile)\n- [Open an account](https:\/\/www.fidelity.com\/open-account\/overview)\n- [Log in](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page)\n\n- [Accounts & Trade]()\n  - [Portfolio](https:\/\/digital.fidelity.com\/prgw\/digital\/login\/full-page?AuthRedUrl=https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/summary)\n  - [Account Positions](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/positions)\n  - [Trade](https:\/\/digital.fidelity.com\/ftgw\/digital\/trade-equity\/index\/orderEntry)\n  - [Fidelity Trader+ Web](https:\/\/digital.fidelity.com\/ftgw\/digital\/trader-dashboard)\n  - [Fidelity Trader+](https:\/\/www.fidelity.com\/trading\/trading-platforms)\n  - [Transfers](https:\/\/www.fidelity.com\/customer-service\/money-movement)\n  - [Cash Management](https:\/\/digital.fidelity.com\/ftgw\/digital\/cashmanagement)\n  - [Bill Pay](https:\/\/digital.fidelity.com\/ftgw\/digital\/billpay\/home)\n  - [Full View®](https:\/\/digital.fidelity.com\/ftgw\/pna\/customer\/pgc\/networth\/)\n  - [Security Settings](https:\/\/digital.fidelity.com\/ftgw\/digital\/security\/dashboard\/view)\n  - [Account Features](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/features)\n  - [Documents](https:\/\/digital.fidelity.com\/ftgw\/digital\/portfolio\/documents)\n  - [Tax Forms & Information](https:\/\/www.fidelity.com\/tax-information\/overview)\n  - [Retirement Distributions](https:\/\/digital.fidelity.com\/ftgw\/digital\/mrdhub)\n  - [Refer a Friend](https:\/\/www.fidelity.com\/customer-service\/friendsandfamily3a)\n- [Investing]()\n  - [Self Directed Investing](https:\/\/www.fidelity.com\/investing\/trading)\n  - [Advanced Trading](https:\/\/www.fidelity.com\/investing\/advanced-trading)\n  - [Investing for a Child](https:\/\/www.fidelity.com\/investing\/investing-for-kids)\n  - [Managing Cash & Credit](https:\/\/www.fidelity.com\/investing\/manage-cash-credit-lending)\n  - [Investment Accounts & Products](https:\/\/www.fidelity.com\/investing\/investment-accounts)\n  - [Investing & Trading Education](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/investing-trading-education)\n- [Retirement]()\n  - [Retirement Planning](https:\/\/www.fidelity.com\/retirement\/retirement-planning)\n  - [401(k) Rollovers & IRA Transfers](https:\/\/www.fidelity.com\/retirement\/401k-rollover)\n  - [Retirement Accounts](https:\/\/www.fidelity.com\/retirement\/retirement-accounts)\n  - [Retirement Education](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement-education)\n- [Wealth Management]()\n  - [Wealth Management Offerings](https:\/\/www.fidelity.com\/wealth\/wealth-management-offerings)\n  - [Financial Advisors](https:\/\/www.fidelity.com\/wealth\/financial-advisors)\n  - [Financial Planning](https:\/\/www.fidelity.com\/wealth\/financial-planning)\n  - [Investment Management](https:\/\/www.fidelity.com\/wealth\/investment-management)\n  - [Wealth Management Insights](https:\/\/www.fidelity.com\/learning-center\/wealth-management-insights)\n- [News & Research]()\n  - [News](https:\/\/www.fidelity.com\/news\/overview)\n  - [Wealth Management Insights](https:\/\/www.fidelity.com\/learning-center\/wealth-management-insights)\n  - [Watchlist](https:\/\/digital.fidelity.com\/ftgw\/digital\/watwebex)\n  - [Alerts](https:\/\/alertable.fidelity.com\/ftgw\/digital\/alerts)\n  - [Stocks, ETFs, Crypto](https:\/\/digital.fidelity.com\/prgw\/digital\/research\/src)\n  - [Mutual Funds](https:\/\/fundresearch.fidelity.com\/fund-screener)\n  - [Fixed Income, Bonds & CDs](https:\/\/fixedincome.fidelity.com\/ftgw\/fi\/FILanding)\n  - [Options](https:\/\/digital.fidelity.com\/ftgw\/digital\/options-home\/)\n  - [IPOs](https:\/\/brokerage.fidelity.com\/ftgw\/brkg\/ipo\/calendar)\n  - [Annuities](https:\/\/fundresearch.fidelity.com\/fund-screener\/annuities\/)\n  - [Learn](https:\/\/www.fidelity.com\/learning-center\/overview)\n\n## Learn\n- [Learn](https:\/\/www.fidelity.com\/learning-center\/overview)\n- [Favorites](https:\/\/www.fidelity.com\/learning-center\/favorites)\n- Topics\n  - Financial essentials\n    - [Saving and budgeting money](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/saving-and-budgeting-money \"Saving and budgeting money\")\n    - [Managing debt](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/managing-debt \"Managing debt\")\n    - [Saving for retirement](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/saving-for-retirement \"Saving for retirement\")\n    - [Working and income](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/working-and-income \"Working and income\")\n    - [Managing health care](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/managing-health-care \"Managing health care\")\n    - [Talking to family about money](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/talking-to-family-about-money \"Talking to family about money\")\n    - [Personal finance for students](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/personal-finance-for-students \"Personal finance for students\")\n    - [Managing taxes](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/managing-taxes\/managing-taxes \"Managing taxes\")\n    - [Managing estate planning](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/managing-estate-planning \"Managing estate planning\")\n    - [Making charitable donations](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/charitable-giving\/making-charitable-donations \"Making charitable donations\")\n  - Life events\n    - [Changing jobs](https:\/\/www.fidelity.com\/learning-center\/life-events\/career-planning \"Changing jobs\")\n    - [Planning for college](https:\/\/www.fidelity.com\/learning-center\/life-events\/prepare-for-college \"Planning for college\")\n    - [Getting divorced](https:\/\/www.fidelity.com\/learning-center\/life-events\/getting-divorced \"Getting divorced\")\n    - [Becoming a parent](https:\/\/www.fidelity.com\/learning-center\/life-events\/parenting \"Becoming a parent\")\n    - [Caring for aging loved ones](https:\/\/www.fidelity.com\/learning-center\/life-events\/caring-for-the-aging \"Caring for aging loved ones\")\n    - [Marriage and partnering](https:\/\/www.fidelity.com\/learning-center\/life-events\/marriage \"Marriage and partnering\")\n    - [Buying or selling a house](https:\/\/www.fidelity.com\/learning-center\/life-events\/selling-and-buying-house \"Buying or selling a house\")\n    - [Retiring](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/planning-your-retirement \"Retiring\")\n    - [Losing a loved one](https:\/\/www.fidelity.com\/learning-center\/life-events\/loss-of-loved-one \"Losing a loved one\")\n    - [Making a major purchase](https:\/\/www.fidelity.com\/learning-center\/life-events\/major-purchase \"Making a major purchase&#9;\")\n    - [Experiencing illness or injury](https:\/\/www.fidelity.com\/learning-center\/life-events\/injury-and-illness \"Experiencing illness or injury\")\n    - [Disabilities and special needs](https:\/\/www.fidelity.com\/learning-center\/life-events\/disabilities-and-special-needs \"Disabilities and special needs\")\n    - [Aging well](https:\/\/www.fidelity.com\/learning-center\/life-events\/aging-well \"Aging well\")\n    - [Becoming self-employed](https:\/\/www.fidelity.com\/learning-center\/life-events\/how-to-become-self-employed \"Becoming self-employed\")\n  - Investing and trading\n    - [Investing for beginners](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/investing-for-beginners \"Investing for beginners\")\n    - [Trading for beginners](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/trading-for-beginners \"Trading for beginners\")\n    - [Crypto basics](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/crypto\/crypto-for-beginners \"Crypto basics\")\n    - [Crypto: Beyond the basics](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/crypto\/crypto-advanced \"Crypto: Beyond the basics\")\n    - [Alternative investing](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/alternative-investing \"Alternative investing\")\n    - [Exploring stocks and sectors](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/finding-stocks-and-sector-ideas \"Exploring stocks and sectors\")\n    - [Investing for income](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/investing-for-income \"Investing for income\")\n    - [Analyzing stock fundamentals](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/fundamental-analysis\/analyzing-stock-fundamentals \"Analyzing stock fundamentals\")\n    - [Using technical analysis](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/technical-analysis\/using-technical-analysis \"Using technical analysis\")\n  - Investment products\n    - [ETFs](https:\/\/www.fidelity.com\/learning-center\/investment-products\/etf\/etfs \"ETFs\")\n    - [Mutual funds](https:\/\/www.fidelity.com\/learning-center\/investment-products\/mutual-funds\/mutual-funds \"Mutual funds \")\n    - [Stocks](https:\/\/www.fidelity.com\/learning-center\/investment-products\/stocks\/stocks \"Stocks\")\n    - [Fixed income, bonds, CDs](https:\/\/www.fidelity.com\/learning-center\/investment-products\/fixed-income-bonds\/fixed-income-bonds-cds \"Fixed income, bonds, CDs\")\n    - [Annuities](https:\/\/www.fidelity.com\/learning-center\/investment-products\/annuities \"Annuities\")\n    - [Closed-end funds](https:\/\/www.fidelity.com\/learning-center\/investment-products\/closed-end-funds\/closed-end-funds \"Closed-end funds\")\n  - Advanced trading\n    - [Using margin](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/using-margin \"Using margin\")\n    - [Options trading basics](https:\/\/www.fidelity.com\/learning-center\/investment-products\/options\/options-for-beginners \"Options trading basics\")\n    - [Options: Beyond the basics](https:\/\/www.fidelity.com\/learning-center\/investment-products\/options\/options \"Options: Beyond the basics\")\n    - [Advanced trading strategies](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/more-trading-strategies \"Advanced trading strategies\")\n    - [Using Fidelity Trader+](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/trading-platforms\/using-trader-plus \"Using Fidelity Trader+\")\n    - [Options Strategy Guide](https:\/\/www.fidelity.com\/learning-center\/investment-products\/options\/options-strategy-guide\/overview \"Options Strategy Guide\")\n    - [Technical Indicator Guide](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/technical-analysis\/technical-indicator-guide\/overview \"Technical Indicator Guide\")\n  - [Latest Market Insights](https:\/\/www.fidelity.com\/viewpoints\/market-and-economic-insights\/market-volatility-overview \"Latest Market Insights\")\n  - [Viewpoints: Expert insights](https:\/\/www.fidelity.com\/learning-center\/viewpoints \"Viewpoints: Expert insights\")\n  - [Smart Money: Tips and tactics](https:\/\/www.fidelity.com\/learning-center\/smart-money \"Smart Money: Tips and tactics\")\n  - [Money Unscripted](https:\/\/www.fidelity.com\/learning-center\/money-unscripted \"Money Unscripted\")\n  - [The Trading Post](https:\/\/www.fidelity.com\/learning-center\/trading-post \"The Trading Post\")\n  - [Women Talk Money](https:\/\/www.fidelity.com\/learning-center\/women-talk-money \"Women Talk Money\")\n  - [Wealth Management Insights](https:\/\/www.fidelity.com\/learning-center\/wealth-management-insights \"Wealth Management Insights\")\n- Events\n  - [Upcoming events](https:\/\/fidelityevents.com\/allevents\/special \"Upcoming events\")\n  - [On-demand webinars](https:\/\/www.fidelity.com\/learning-center\/events\/investing-webinars \"On-demand webinars\")\n  - [Market briefings](https:\/\/fidelityevents.com\/allevents\/filtered?hubFilter=tags|Coaching,Market%20Analysis#hub \"Market briefings\")\n  - [Market Sense](https:\/\/www.fidelity.com\/learning-center\/live-pi \"Market Sense\")\n  - [Trading Strategy Desk® coaching](https:\/\/www.fidelity.com\/learning-center\/events\/coaching-sessions \"Trading Strategy Desk® coaching\")\n  - [Trading Strategy Desk® classes](https:\/\/www.fidelity.com\/learning-center\/events\/virtual-classrooms \"Trading Strategy Desk® classes\")\n- Search\n\nJanuary 29, 2026\n\n![Estimate Time](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/time-clock-circle.svg)5 min\n\nSave ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/Bookmark.svg) ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/save-success.svg)\n\nClose Popover\n\n***\nGreat, you have saved this article to you My Learn Profile page.\n\nShare ![Share](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/share.svg)\n\nClose Popover\n\n***\nCatch-up contributions to tax-advantaged accounts \\| Fidelity\n\nClicking a link will open a new window.\n\n- [Facebook](https:\/\/www.fidelity.com\/viewpoints\/retirement\/catch-up-contributions#facebook)\n- [Twitter](https:\/\/www.fidelity.com\/viewpoints\/retirement\/catch-up-contributions#twitter)\n- [LinkedIn](https:\/\/www.fidelity.com\/viewpoints\/retirement\/catch-up-contributions#linkedin)\n\n[Print ![Print](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/article\/Print.svg)](https:\/\/www.fidelity.com\/viewpoints\/retirement\/catch-up-contributions#print)\n\n# 50 or older? 4 ways to catch up your savings\nLearn ways to save more in tax-advantaged retirement accounts.\n\nFidelity Viewpoints\n\n![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/migration\/article\/content_11\/50plus_catchup_savings_2019_banner.jpg)\n\n### Key takeaways\n- If you're over age 50, taking full advantage of catch-up provisions in tax-advantaged savings accounts can help boost your income in retirement.\n- Traditional and Roth IRAs and 401k(s) offer catch-up contributions for those age 50 and over.\n- Even if you're on track with your retirement savings, tax-advantaged accounts can help you build more assets.\n\nThe notion that turning age 50 means starting to slow down is likely a young person's opinion. People who have hit \"the big five-oh\" know better. The prospect of retiring is getting closer, and there's a lot of living ahead. So it's important to ensure you have the money to live the life you've planned.\n\nFortunately, the federal government recognizes that people approaching retirement age often need to pick up the pace to ensure they have saved enough for retirement. The tax code provides \"catch-up\" savings opportunities so that people age 50 and older can increase their tax-advantaged contributions to IRAs, 401(k)s, and HSAs (starting at age 55).\n\nTaking advantage of catch-up contributions can deliver a significant boost to your retirement saving. For example, if you turn 50 this year and put an extra \\$1,100 into your IRA at the beginning of each year for the next 20 years, and it earns an average return of 7% a year, you could have just over \\$48,000 more in your account than someone who didn't take advantage of the catch-up.1 And the impact can be even greater for a 401(k) or similar plan, where the catch-up contribution opportunity is larger.\n\nReady to start catching up with your retirement savings? Here's how:\n\n### 1\\. Know if your retirement saving is on track\nAre you on track to cover essential expenses in retirement? The first step is to find out how your savings—and savings rate—stack up. To get an indication of how prepared you really are, get your [Fidelity Retirement ScoreSM](https:\/\/www.fidelity.com\/calculators-tools\/fidelity-retirement-score-tool \"Fidelity Retirement ScoreSM\"). It takes about 60 seconds to answer 6 simple questions.\n\nWhatever your score or your age, you can take some simple steps to stay on track or improve your retirement readiness. [Fidelity Retirement ScoreSM](https:\/\/www.fidelity.com\/calculators-tools\/fidelity-retirement-score-tool \"Fidelity Retirement ScoreSM\") can show you how adjustments to monthly savings, investment style, and other factors could impact your preparedness.\n\n**Tip:** Want a more in-depth analysis of your retirement readiness? Visit Fidelity's [Planning & Guidance Center](https:\/\/www.fidelity.com\/calculators-tools\/planning-guidance-center).\n\n### 2\\. Make the most of catch-up provisions\nOnce you reach age 50, catch-up provisions in the tax code allow you to increase your tax-advantaged savings in several types of retirement accounts.\n\nFor a **traditional or Roth IRA**, the annual catch-up amount in 2025 is \\$1,000 and in 2026 is \\$1,100, which boosts your total contribution potential to IRAs to \\$8,000 and \\$8,600.\n\nIf you participate in a **401(k)**, **Roth 401(k)**, **403(b)**, or similar workplace retirement savings plan, the catch-up opportunity is even greater. The standard catch-up amount for people age 50+ is \\$8,000 in 2026 (up from \\$7,500 in 2025): This makes the total catch-up limit in 2026 for people age 50+ to be \\$32,500 (\\$8,000 + the base \\$24,500 limit, up from \\$31,000 in 2025). For people age 60-63, there is an enhanced \\$11,250 “super catch-up,” replacing the \\$8,000, provided your plan offers this SECURE 2.0 provision: That makes the total catch-up limit in 2026 for people age 60-63 to be \\$35,750 (\\$11,250 + the base \\$24,500 limit, up from \\$32,500 in 2025).\n\nThe SECURE 2.0 Act of 2022 introduced new requirements for high earners: Starting this year, in 2026, if you earned at least \\$150,000 in 2025, all catch-up contributions at age 50 or older will need to be made to a Roth account in after-tax dollars. Individuals earning less than \\$150,000, adjusted for inflation going forward, will be exempt from the Roth requirement.\n\nParticipants in retirement accounts designed for self-employed individuals and small businesses can also take advantage of catch-up contributions:\n\n- For a **SIMPLE IRA**: The annual catch-up amount in 2025 was \\$3,500 for those people age 50-59 and 64+. For those age 60-63, the catch-up was \\$5,250. For 2026, the catch-up for those age 50-59 and 64+ is \\$4,000 and for those age 50-59 and 64+, \\$5,250. For companies with 25 for fewer employees or with 26-100 employees, provided they offer a 4% matching contribution or 3% non-elective contribution, employees may contribute 110% of the 2024 catch-up amount, which is \\$3,850, for both 2025 and 2026. This is instead of, not on top of, the regular catch-up amount.\n- For a **SE401(k)**, the annual catch-up amount in 2026 for people age 50-59 and 64+ is \\$8,000 (up from \\$7,500 in 2025): This makes the total catch-up limit in 2026 for people in this age group to be \\$31,500 (\\$8,000 + the base \\$23,500 limit, up from \\$31,000 in 2025). For people age 60-63, there is an enhanced \\$11,250 “super catch-up,” replacing the \\$7,500, provided your plan offers this provision: That makes the total catch-up limit in 2026 for people in this age group to be \\$35,750 (\\$11,250 + the base \\$24,500 limit).\n\n### 3\\. Harness the power of tax-advantaged accounts\nEven if you're on track with your retirement savings, tax-advantaged accounts are attractive long-term investment vehicles and tax-efficient planning tools.\n\nWith traditional IRAs or 401(k)s, contributions reduce your taxable income in the current year, as long as you are eligible, though withdrawals are taxable.2 These traditional accounts also offer tax-deferred compounding. With Roth IRAs, you pay taxes up front but qualified withdrawals are tax-free when you reach age 59½, assuming certain conditions are met.3 Roth IRAs offer the potential for tax-free compounding.\n\n**Tip:** [Compare IRA options](https:\/\/www.fidelity.com\/retirement-ira\/ira-comparison)—traditional or Roth—to see which might be right for you.\n\nIf your employer offers a high-deductible health care plan (HDHP) with an HSA, you may want to consider electing the HDHP and opening an HSA. HSAs have a unique triple tax advantage4 that can make them a powerful savings vehicle for qualified medical expenses in current and future years: Contributions, earnings, and withdrawals are tax-free for federal tax purposes.\n\nTo make the most of your HSA (if you have access to one and you can afford it), you may want to consider paying for current-year qualified medical expenses out of pocket, and letting your HSA contributions remain invested in your HSA. That way, the money has the potential to grow tax-free5 and be used to pay for future qualified medical expenses, including those in retirement. If you don't reimburse medical expenses in the current year, keep your receipts. You may reimburse yourself for past year expenses, as long as you incurred your qualified medical expense after you established your HSA.\n\nFor more on HSAs, read *Viewpoints* on Fidelity.com: [5 ways HSAs can fortify your retirement](https:\/\/www.fidelity.com\/viewpoints\/wealth-management\/hsas-and-your-retirement)\n\n**Tip:** Learn more about HSAs and consider [opening a Fidelity HSA](https:\/\/www.fidelity.com\/go\/hsa\/why-hsa). Since HSAs are portable, you can [transfer account balances](https:\/\/www.fidelity.com\/learning-center\/smart-money\/hsa-rollover) in HSAs from any of your previous employers to a Fidelity HSA.3\n\n### 4\\. Invest for the future\nWhile regular contributions to tax-advantaged retirement accounts may help keep you on track to reach your retirement savings goal, your investment mix (asset allocation) is an important factor too. Consider whether investing a significant portion of your savings in a mix of US and international stocks and stock mutual funds may help you reach your long-term savings goals, since stocks have historically outperformed bonds and cash over the long term. You may want to think about gradually reducing the percentage of investments that you allocate to stocks as you get older. Employees who receive company stock through equity compensation plans should consider that in determining asset allocation and concentrated stock position risk.\n\nWhatever your projected retirement date, your goal should be to have a portfolio with exposure to various types of investments that can provide the opportunity for growth and the potential to outpace inflation, along with investments that offer some degree of risk-reducing diversification. Of course, stocks come with more ups and downs than bonds or cash, so you need to be comfortable with those risks. You should always make sure that your investment mix reflects your time horizon, tolerance for risk, and financial situation.\n\n### Goal: Enjoy retirement\nAs you plan for the day you retire, taking full advantage of tax-advantaged savings accounts, including catch-up provisions, may help you arrive in a significantly stronger position to enjoy the retirement lifestyle you envision.\n\n## Invest your IRA\nCreate an investment strategy that lines up with your goals.\n\n[Get started](https:\/\/www.fidelity.com\/retirement-planning\/ira-investment-options)\n\n## More to explore\n### [Get your retirement score](https:\/\/www.fidelity.com\/calculators-tools\/PGCretirement-score)\nDetermine if you're contributing enough to your savings.\n\n### https:\/\/digital.fidelity.com\/ftgw\/digital\/transfer [Contribute to your IRALog In Required](https:\/\/digital.fidelity.com\/ftgw\/digital\/transfer \"Contribute to your IRA\")\nMove money into your Fidelity account.\n\n## Subscribe to  *Fidelity Viewpoints®*\nTimely news and insights from our pros on markets, investing, and personal finance.(debug tcm:2365-349569)\n\n### Looking for more ideas and insights?\nWe'll deliver them right to your inbox.\n\nManage subscriptions\n\n### Thanks for subscribing\\!\nCheck out your Favorites page, where you can:\n\n- Tell us the topics you want to learn more about\n- View content you've saved for later\n- Subscribe to our newsletters\n\n[Go to Favorites](https:\/\/www.fidelity.com\/learning-center\/favorites)\n\n### We're on our way, but not quite there yet\nGood news, you're on the early-access list.   \n But we're not available in your state just yet. As soon as we are, we'll let you know. In the meantime, boost your crypto brainpower in our Learning Center.\n\nManage subscriptions\n\n### Oh, hello again\\!\nGood news, you’re already on the early-access list. Keep an eye on your email for your invitation to Fidelity Crypto.\n\nManage subscriptions\n\nClose dialog\n\n### Thanks for subscribing to  Looking for more ideas and insights?   You might like these too:\n### Looking for more ideas and insights? You might like these too:\n\n### *Fidelity Viewpoints®*\nTimely news and insights from our pros on markets, investing, and personal finance.(debug tcm:2 ...\n\n### Decode Crypto\nClarity on crypto every month. Build your knowledge with education for all levels.\n\n### *Fidelity Smart Money℠*\nWhat the news means for your money, plus tips to help you spend, save, and invest.\n\n### Active Investor\nOur most advanced investment insights, strategies, and tools.\n\n### *Insights from Fidelity Wealth Management* ℠\nTimely news, events, and wealth strategies from top Fidelity thought leaders.\n\n### Women Talk Money\nReal talk and helpful tips about money, investing, and careers.\n\n### Educational Webinars and Events\nFree financial education from Fidelity and other leading industry professionals.\n\n*Fidelity Viewpoints®*\n\nTimely news and insights from our pros on markets, investing, and personal finance.(debug tcm:2 ...\n\nDecode Crypto\n\nClarity on crypto every month. Build your knowledge with education for all levels.\n\n*Fidelity Smart Money℠*\n\nWhat the news means for your money, plus tips to help you spend, save, and invest.\n\nActive Investor\n\nOur most advanced investment insights, strategies, and tools.\n\n*Insights from Fidelity Wealth Management* ℠\n\nTimely news, events, and wealth strategies from top Fidelity thought leaders.\n\nWomen Talk Money\n\nReal talk and helpful tips about money, investing, and careers.\n\nEducational Webinars and Events\n\nFree financial education from Fidelity and other leading industry professionals.\n\nDone\n\nAdd subscriptions\n\nNo, thanks.\n\nLoading\n\n- [Finding stock and sector ideas](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/finding-stocks-and-sector-ideas)\n- [Investing for beginners](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/investing-for-beginners)\n- [Managing taxes](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/managing-taxes\/managing-taxes)\n- [Investing for income](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/investing-for-income)\n- [Preparing for retirement](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/planning-your-retirement)\n- [Saving for retirement](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/saving-for-retirement)\n- [Living in retirement](https:\/\/www.fidelity.com\/learning-center\/personal-finance\/retirement\/planning-your-retirement)\n- [Working for yourself](https:\/\/www.fidelity.com\/learning-center\/life-events\/how-to-become-self-employed)\n- [Stocks](https:\/\/www.fidelity.com\/learning-center\/investment-products\/stocks\/stocks)\n- [Using technical analysis](https:\/\/www.fidelity.com\/learning-center\/trading-investing\/technical-analysis\/using-technical-analysis)\n\n1\\. This hypothetical example is for illustrative purposes only and is not intended to represent the performance of any security in a Fidelity IRA. The example assumes: annual tax-deferred compounding in an IRA; that annual contributions are made each January 1 for 20 years; an annual contribution limit of \\$7,500; additional \"catch-up\" annual limits of \\$1,100; a hypothetical 7% annual return; and the reinvestment of income dividends and capital gains distributions. Consider your current and anticipated investment horizon when making an investment decision, as the illustration may not reflect this. The assumed rate of return used in this example is not guaranteed. Investments that have potential for 7% annual rate of return also come with risk of loss. Final account balances are prior to any distributions, and taxes may be due upon distribution.\n\n2\\. Tax advantages are with respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation. See a tax professional for more information on the state tax implications.\n\n3\\. A qualified distribution from a Roth IRA is tax-free and penalty-free. To be considered a qualified distribution, the 5-year aging requirement has to be satisfied and you must be age 59½ or older or meet one of several exemptions (disability, qualified first-time home purchase, or death among them).\n\n4\\. Other HSA contribution eligibility rules may apply. Notably, the tax rules do not allow individuals enrolled in non-high deductible coverage, such as Medicare, to make tax-advantaged contributions to an HSA. Medicare enrollment at age 65 for example, may make you ineligible to contribute to an HSA.\n\n5\\.\n\nWith respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation.\n\n**IMPORTANT: The projections or other information generated by Fidelity Retirement Score regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time.**\n\n*Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.*\n\n**Past performance is no guarantee of future results.**\n\nThis information is intended to be educational and is not tailored to the investment needs of any specific investor.\n\nFidelity does not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity cannot guarantee that the information herein is accurate, complete, or timely. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation.\n\nFidelity Brokerage Services LLC, Member NYSE, [SIPC](https:\/\/www.sipc.org\/), 900 Salem Street, Smithfield, RI 02917\n\n790968\\.14.0\n\n- [Mutual Funds](https:\/\/www.fidelity.com\/mutual-funds\/overview)\n- [ETFs](https:\/\/www.fidelity.com\/etfs\/overview)\n- [Fixed Income](https:\/\/www.fidelity.com\/fixed-income-bonds\/overview)\n- [Bonds](https:\/\/www.fidelity.com\/fixed-income-bonds\/individual-bonds\/overview)\n- [CDs](https:\/\/www.fidelity.com\/fixed-income-bonds\/cds)\n- [Options](https:\/\/www.fidelity.com\/options-trading\/overview)\n- [Crypto](https:\/\/www.fidelity.com\/crypto\/overview)\n- [Fidelity Trader+](https:\/\/www.fidelity.com\/trading\/trading-platforms)\n- [Investor Centers](https:\/\/www.fidelity.com\/branches\/branch-locations)\n\n- [Stocks](https:\/\/www.fidelity.com\/stock-trading\/overview)\n- [Online Trading](https:\/\/www.fidelity.com\/trading\/overview)\n- [Direct Indexing](https:\/\/www.fidelity.com\/direct-indexing\/overview)\n- [Sustainable Investing](https:\/\/www.fidelity.com\/sustainable\/overview)\n- [Annuities](https:\/\/www.fidelity.com\/annuities\/overview)\n- [Life Insurance](https:\/\/www.fidelity.com\/life-insurance\/term-life-insurance\/overview)\n- [Long-Term Care Planning](https:\/\/www.fidelity.com\/life-insurance\/long-term-care\/overview)\n- [529 Plans](https:\/\/www.fidelity.com\/529-plans\/overview)\n- [Health Savings Account](https:\/\/www.fidelity.com\/go\/hsa\/why-hsa)\n\n- [IRAs](https:\/\/www.fidelity.com\/retirement\/retirement-accounts)\n- [Retirement Planning](https:\/\/www.fidelity.com\/retirement\/retirement-planning)\n- [Small Business Retirement Plans](https:\/\/www.fidelity.com\/retirement-ira\/small-business\/compare-retirement-plans)\n- [Charitable Giving](https:\/\/www.fidelity.com\/building-savings\/charity-and-philanthropy)\n- [Marketplace Solutions](https:\/\/www.fidelity.com\/go\/marketplace\/overview)\n- [FINRA's BrokerCheck, (Opens in a new window)](https:\/\/brokercheck.finra.org\/Firm\/Summary\/7784)\n- [Why Fidelity](https:\/\/www.fidelity.com\/why-fidelity\/overview)\n\n### Stay Connected\nThe search input box here\n\n- ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/footer\/FidCom_SocialIcons_0003_Instagram.png) [Instagram, (Opens in a new window)](https:\/\/www.instagram.com\/fidelityinvestments)\n- ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/footer\/FidCom_SocialIcons_0002_LinkedIn.png) [LinkedIn, (Opens in a new window)](https:\/\/www.linkedin.com\/company\/fidelity-investments)\n- ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/footer\/FidCom_SocialIcons_0004_YouTube.png) [YouTube, (Opens in a new window)](https:\/\/www.youtube.com\/user\/fidelityinvestments)\n- ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/footer\/FidCom_SocialIcons_0006_Reddit.png) [Reddit, (Opens in a new window)](https:\/\/www.reddit.com\/r\/fidelityinvestments\/)\n- ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/footer\/FidCom_SocialIcons_0007_X.png) [X (Twitter), (Opens in a new window)](https:\/\/www.twitter.com\/fidelity)\n- ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/footer\/FidCom_SocialIcons_0000_Facebook.png) [Facebook, (Opens in a new window)](https:\/\/www.facebook.com\/fidelityinvestments)\n- ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/footer\/tiktok%20icon.png) [TikTok, (Opens in a new window)](https:\/\/www.tiktok.com\/@fidelityinvestments)\n- ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/footer\/Discord-Logo-Color-1.png) [Discord, (Opens in a new window)](https:\/\/discord.gg\/FidelityInvestments)\n- ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/footer\/fidelitymobile26x26.png) [Fidelity Apps](https:\/\/www.fidelity.com\/mobile\/overview)\n- ![](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/footer\/refer26x26.png) [Refer a Friend](https:\/\/www.fidelity.com\/customer-service\/friendsandfamily3a?ccsource=RAFFooterNav)\n\n![Fidelity.com Home](https:\/\/www.fidelity.com\/bin-public\/600_Fidelity_Com_English\/images\/footer\/Fidelity-footer-logo.svg)\n\n- [Careers](https:\/\/jobs.fidelity.com\/)\n- [News Releases](https:\/\/newsroom.fidelity.com\/)\n- [About Fidelity](https:\/\/about.fidelity.com\/)\n- [International](https:\/\/www.fidelityinternational.com\/)\n\nCopyright 1998-2026 FMR LLC. All Rights Reserved.\n\n- [Terms of Use](https:\/\/www.fidelity.com\/terms-of-use)\n- [Privacy](https:\/\/www.fidelity.com\/privacy\/overview)\n- [Security](https:\/\/www.fidelity.com\/security\/overview)\n- [Site Map](https:\/\/www.fidelity.com\/sitemap\/overview)\n- [Accessibility](https:\/\/www.fidelity.com\/accessibility\/overview)\n- [Contact Us](https:\/\/www.fidelity.com\/customer-service\/contact-us) , (Opens in a new window)\n- [Share Your Screen](https:\/\/www.fidelity.com\/viewpoints\/retirement\/catch-up-contributions)\n- [Disclosures](https:\/\/communications.fidelity.com\/information\/crs\/) , (Opens in a new window)\n- [Manage My Targeting\/Advertising Cookies](https:\/\/www.fidelity.com\/viewpoints\/retirement\/catch-up-contributions)\n\n[This is for persons in the US only.](https:\/\/www.fidelity.com\/terms-of-use#For)\n\nPrivacy Settings\n\nWhen you visit our website, it may store or retrieve information on your browser, mostly in the form of cookies. Because we respect your right to privacy, you can choose not to allow some types of cookies. Click on the different category headings to find out more and change our default settings. However, blocking some types of cookies may impact your experience on this site and the services we are able to offer.\n***\nStrictly Necessary Cookies\n\nThese cookies are necessary for this website to function and cannot be switched off in our systems. You can set your browser to block or alert you about these cookies, but if you block these cookies, some parts of the site will not work. These cookies do not store any personally identifiable information.\n***\nPerformance Cookies\n\nThese cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.\n***\nFunctional Cookies\n\nThese cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies then some or all of these services may not function properly.\n***\nTargeting or Advertising Cookies\n\nThese cookies help us present relevant online advertising and marketing messages to you, and measure the effectiveness of our advertising and marketing campaigns. These cookies may be placed on your device by us or by our third-party advertising providers. When these cookies have been placed on your device, they can be recognized by certain advertising platforms used by other websites you visit, and this allows us to present our advertisements to you on those third party websites. While targeting cookies can identify you when you visit different websites, the information collected is anonymous. They do not store personal information, but are based on uniquely identifying your browser and device. If you do not allow these cookies, our online advertisements that you see may be less relevant to you.\n***\n\nCancel\n\nSave\n\nClose dialog\n\n##\n\nclose virtual assistant\n\nclose Fidelity Virtual Assistant menu\n\n## Menu\n- Important Information\n\n![](data:image\/png;base64,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)\n\nWelcome to the Fidelity Assistant\\!\n\nStart typing and we'll suggest a few topics for you. You can also enter a simple question or phrase, and we'll offer our best answer.\n\nReady? Let's get started.\n\n[Important information](https:\/\/www.fidelity.com\/viewpoints\/retirement\/catch-up-contributions)\n\n![](data:image\/png;base64,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)\n\nTo get your conversation started, type a question in the entry field or choose from one of the following popular topics and commonly asked questions.\n\n- What are the eligibility requirements and contribution limits for catch-up contributions in retirement savings plans?\n- How can I verify my 401k contributions and catch-up contributions?\n- What is a health savings account (HSA) catch-up contribution?\n\nProvide Feedback\n\nanswers will appear above the text input\n\nSubmit message","attrs_readable_markdown":"The notion that turning age 50 means starting to slow down is likely a young person's opinion. People who have hit \"the big five-oh\" know better. The prospect of retiring is getting closer, and there's a lot of living ahead. So it's important to ensure you have the money to live the life you've planned.\n\nFortunately, the federal government recognizes that people approaching retirement age often need to pick up the pace to ensure they have saved enough for retirement. The tax code provides \"catch-up\" savings opportunities so that people age 50 and older can increase their tax-advantaged contributions to IRAs, 401(k)s, and HSAs (starting at age 55).\n\nTaking advantage of catch-up contributions can deliver a significant boost to your retirement saving. For example, if you turn 50 this year and put an extra \\$1,100 into your IRA at the beginning of each year for the next 20 years, and it earns an average return of 7% a year, you could have just over \\$48,000 more in your account than someone who didn't take advantage of the catch-up.1 And the impact can be even greater for a 401(k) or similar plan, where the catch-up contribution opportunity is larger.\n\nReady to start catching up with your retirement savings? Here's how:\n\n### 1\\. Know if your retirement saving is on track\nAre you on track to cover essential expenses in retirement? The first step is to find out how your savings—and savings rate—stack up. To get an indication of how prepared you really are, get your [Fidelity Retirement ScoreSM](https:\/\/www.fidelity.com\/calculators-tools\/fidelity-retirement-score-tool \"Fidelity Retirement ScoreSM\"). It takes about 60 seconds to answer 6 simple questions.\n\nWhatever your score or your age, you can take some simple steps to stay on track or improve your retirement readiness. [Fidelity Retirement ScoreSM](https:\/\/www.fidelity.com\/calculators-tools\/fidelity-retirement-score-tool \"Fidelity Retirement ScoreSM\") can show you how adjustments to monthly savings, investment style, and other factors could impact your preparedness.\n\n**Tip:** Want a more in-depth analysis of your retirement readiness? Visit Fidelity's [Planning & Guidance Center](https:\/\/www.fidelity.com\/calculators-tools\/planning-guidance-center).\n\n### 2\\. Make the most of catch-up provisions\nOnce you reach age 50, catch-up provisions in the tax code allow you to increase your tax-advantaged savings in several types of retirement accounts.\n\nFor a **traditional or Roth IRA**, the annual catch-up amount in 2025 is \\$1,000 and in 2026 is \\$1,100, which boosts your total contribution potential to IRAs to \\$8,000 and \\$8,600.\n\nIf you participate in a **401(k)**, **Roth 401(k)**, **403(b)**, or similar workplace retirement savings plan, the catch-up opportunity is even greater. The standard catch-up amount for people age 50+ is \\$8,000 in 2026 (up from \\$7,500 in 2025): This makes the total catch-up limit in 2026 for people age 50+ to be \\$32,500 (\\$8,000 + the base \\$24,500 limit, up from \\$31,000 in 2025). For people age 60-63, there is an enhanced \\$11,250 “super catch-up,” replacing the \\$8,000, provided your plan offers this SECURE 2.0 provision: That makes the total catch-up limit in 2026 for people age 60-63 to be \\$35,750 (\\$11,250 + the base \\$24,500 limit, up from \\$32,500 in 2025).\n\nThe SECURE 2.0 Act of 2022 introduced new requirements for high earners: Starting this year, in 2026, if you earned at least \\$150,000 in 2025, all catch-up contributions at age 50 or older will need to be made to a Roth account in after-tax dollars. Individuals earning less than \\$150,000, adjusted for inflation going forward, will be exempt from the Roth requirement.\n\nParticipants in retirement accounts designed for self-employed individuals and small businesses can also take advantage of catch-up contributions:\n\n- For a **SIMPLE IRA**: The annual catch-up amount in 2025 was \\$3,500 for those people age 50-59 and 64+. For those age 60-63, the catch-up was \\$5,250. For 2026, the catch-up for those age 50-59 and 64+ is \\$4,000 and for those age 50-59 and 64+, \\$5,250. For companies with 25 for fewer employees or with 26-100 employees, provided they offer a 4% matching contribution or 3% non-elective contribution, employees may contribute 110% of the 2024 catch-up amount, which is \\$3,850, for both 2025 and 2026. This is instead of, not on top of, the regular catch-up amount.\n- For a **SE401(k)**, the annual catch-up amount in 2026 for people age 50-59 and 64+ is \\$8,000 (up from \\$7,500 in 2025): This makes the total catch-up limit in 2026 for people in this age group to be \\$31,500 (\\$8,000 + the base \\$23,500 limit, up from \\$31,000 in 2025). For people age 60-63, there is an enhanced \\$11,250 “super catch-up,” replacing the \\$7,500, provided your plan offers this provision: That makes the total catch-up limit in 2026 for people in this age group to be \\$35,750 (\\$11,250 + the base \\$24,500 limit).\n\n### 3\\. Harness the power of tax-advantaged accounts\nEven if you're on track with your retirement savings, tax-advantaged accounts are attractive long-term investment vehicles and tax-efficient planning tools.\n\nWith traditional IRAs or 401(k)s, contributions reduce your taxable income in the current year, as long as you are eligible, though withdrawals are taxable.2 These traditional accounts also offer tax-deferred compounding. With Roth IRAs, you pay taxes up front but qualified withdrawals are tax-free when you reach age 59½, assuming certain conditions are met.3 Roth IRAs offer the potential for tax-free compounding.\n\n**Tip:** [Compare IRA options](https:\/\/www.fidelity.com\/retirement-ira\/ira-comparison)—traditional or Roth—to see which might be right for you.\n\nIf your employer offers a high-deductible health care plan (HDHP) with an HSA, you may want to consider electing the HDHP and opening an HSA. HSAs have a unique triple tax advantage4 that can make them a powerful savings vehicle for qualified medical expenses in current and future years: Contributions, earnings, and withdrawals are tax-free for federal tax purposes.\n\nTo make the most of your HSA (if you have access to one and you can afford it), you may want to consider paying for current-year qualified medical expenses out of pocket, and letting your HSA contributions remain invested in your HSA. That way, the money has the potential to grow tax-free5 and be used to pay for future qualified medical expenses, including those in retirement. If you don't reimburse medical expenses in the current year, keep your receipts. You may reimburse yourself for past year expenses, as long as you incurred your qualified medical expense after you established your HSA.\n\nFor more on HSAs, read *Viewpoints* on Fidelity.com: [5 ways HSAs can fortify your retirement](https:\/\/www.fidelity.com\/viewpoints\/wealth-management\/hsas-and-your-retirement)\n\n**Tip:** Learn more about HSAs and consider [opening a Fidelity HSA](https:\/\/www.fidelity.com\/go\/hsa\/why-hsa). Since HSAs are portable, you can [transfer account balances](https:\/\/www.fidelity.com\/learning-center\/smart-money\/hsa-rollover) in HSAs from any of your previous employers to a Fidelity HSA.3\n\n### 4\\. Invest for the future\nWhile regular contributions to tax-advantaged retirement accounts may help keep you on track to reach your retirement savings goal, your investment mix (asset allocation) is an important factor too. Consider whether investing a significant portion of your savings in a mix of US and international stocks and stock mutual funds may help you reach your long-term savings goals, since stocks have historically outperformed bonds and cash over the long term. You may want to think about gradually reducing the percentage of investments that you allocate to stocks as you get older. Employees who receive company stock through equity compensation plans should consider that in determining asset allocation and concentrated stock position risk.\n\nWhatever your projected retirement date, your goal should be to have a portfolio with exposure to various types of investments that can provide the opportunity for growth and the potential to outpace inflation, along with investments that offer some degree of risk-reducing diversification. Of course, stocks come with more ups and downs than bonds or cash, so you need to be comfortable with those risks. You should always make sure that your investment mix reflects your time horizon, tolerance for risk, and financial situation.\n\n### Goal: Enjoy retirement\nAs you plan for the day you retire, taking full advantage of tax-advantaged savings accounts, including catch-up provisions, may help you arrive in a significantly stronger position to enjoy the retirement lifestyle you envision.","meta_canonical":null}

3. Robots.txt Check

Query:

Response:

4. Spam/Ban Check

Query:

Response:

5. Seen Status Check

ℹ️ Skipped - page is already crawled

📄

INDEXABLE

✅

CRAWLED

3 hours ago

🤖

ROBOTS ALLOWED

Page Info Filters

Filter	Status	Condition	Details
HTTP status	PASS	`download_http_code = 200`	HTTP 200
Age cutoff	PASS	`download_stamp > now() - 6 MONTH`	0 months ago
History drop	PASS	`isNull(history_drop_reason)`	No drop reason
Spam/ban	PASS	`fh_dont_index != 1 AND ml_spam_score = 0`	ml_spam_score=0
Canonical	PASS	`meta_canonical IS NULL OR = '' OR = src_unparsed`	Not set

Page Details

Property	Value
URL	https://www.fidelity.com/viewpoints/retirement/catch-up-contributions
Last Crawled	2026-04-11 19:02:02 (3 hours ago)
First Indexed	2017-02-22 18:10:03 (9 years ago)
HTTP Status Code	200
Meta Title	Catch-up contributions to tax-advantaged accounts \| Fidelity
Meta Description	If you are 50 or older, learn how to grow your savings through catch-up contributions.
Meta Canonical	null
Boilerpipe Text	The notion that turning age 50 means starting to slow down is likely a young person's opinion. People who have hit "the big five-oh" know better. The prospect of retiring is getting closer, and there's a lot of living ahead. So it's important to ensure you have the money to live the life you've planned. Fortunately, the federal government recognizes that people approaching retirement age often need to pick up the pace to ensure they have saved enough for retirement. The tax code provides "catch-up" savings opportunities so that people age 50 and older can increase their tax-advantaged contributions to IRAs, 401(k)s, and HSAs (starting at age 55). Taking advantage of catch-up contributions can deliver a significant boost to your retirement saving. For example, if you turn 50 this year and put an extra $1,100 into your IRA at the beginning of each year for the next 20 years, and it earns an average return of 7% a year, you could have just over $48,000 more in your account than someone who didn't take advantage of the catch-up. 1 And the impact can be even greater for a 401(k) or similar plan, where the catch-up contribution opportunity is larger. Ready to start catching up with your retirement savings? Here's how: 1. Know if your retirement saving is on track Are you on track to cover essential expenses in retirement? The first step is to find out how your savings—and savings rate—stack up. To get an indication of how prepared you really are, get your Fidelity Retirement Score SM . It takes about 60 seconds to answer 6 simple questions. Whatever your score or your age, you can take some simple steps to stay on track or improve your retirement readiness. Fidelity Retirement Score SM can show you how adjustments to monthly savings, investment style, and other factors could impact your preparedness. Tip: Want a more in-depth analysis of your retirement readiness? Visit Fidelity's Planning & Guidance Center . 2. Make the most of catch-up provisions Once you reach age 50, catch-up provisions in the tax code allow you to increase your tax-advantaged savings in several types of retirement accounts. For a traditional or Roth IRA , the annual catch-up amount in 2025 is $1,000 and in 2026 is $1,100, which boosts your total contribution potential to IRAs to $8,000 and $8,600. If you participate in a 401(k) , Roth 401(k) , 403(b) , or similar workplace retirement savings plan, the catch-up opportunity is even greater. The standard catch-up amount for people age 50+ is $8,000 in 2026 (up from $7,500 in 2025): This makes the total catch-up limit in 2026 for people age 50+ to be $32,500 ($8,000 + the base $24,500 limit, up from $31,000 in 2025). For people age 60-63, there is an enhanced $11,250 “super catch-up,” replacing the $8,000, provided your plan offers this SECURE 2.0 provision: That makes the total catch-up limit in 2026 for people age 60-63 to be $35,750 ($11,250 + the base $24,500 limit, up from $32,500 in 2025). The SECURE 2.0 Act of 2022 introduced new requirements for high earners: Starting this year, in 2026, if you earned at least $150,000 in 2025, all catch-up contributions at age 50 or older will need to be made to a Roth account in after-tax dollars. Individuals earning less than $150,000, adjusted for inflation going forward, will be exempt from the Roth requirement. Participants in retirement accounts designed for self-employed individuals and small businesses can also take advantage of catch-up contributions: For a SIMPLE IRA : The annual catch-up amount in 2025 was $3,500 for those people age 50-59 and 64+. For those age 60-63, the catch-up was $5,250. For 2026, the catch-up for those age 50-59 and 64+ is $4,000 and for those age 50-59 and 64+, $5,250. For companies with 25 for fewer employees or with 26-100 employees, provided they offer a 4% matching contribution or 3% non-elective contribution, employees may contribute 110% of the 2024 catch-up amount, which is $3,850, for both 2025 and 2026. This is instead of, not on top of, the regular catch-up amount. For a SE401(k) , the annual catch-up amount in 2026 for people age 50-59 and 64+ is $8,000 (up from $7,500 in 2025): This makes the total catch-up limit in 2026 for people in this age group to be $31,500 ($8,000 + the base $23,500 limit, up from $31,000 in 2025). For people age 60-63, there is an enhanced $11,250 “super catch-up,” replacing the $7,500, provided your plan offers this provision: That makes the total catch-up limit in 2026 for people in this age group to be $35,750 ($11,250 + the base $24,500 limit). 3. Harness the power of tax-advantaged accounts Even if you're on track with your retirement savings, tax-advantaged accounts are attractive long-term investment vehicles and tax-efficient planning tools. With traditional IRAs or 401(k)s, contributions reduce your taxable income in the current year, as long as you are eligible, though withdrawals are taxable. 2 These traditional accounts also offer tax-deferred compounding. With Roth IRAs, you pay taxes up front but qualified withdrawals are tax-free when you reach age 59½, assuming certain conditions are met. 3 Roth IRAs offer the potential for tax-free compounding. Tip: Compare IRA options —traditional or Roth—to see which might be right for you. If your employer offers a high-deductible health care plan (HDHP) with an HSA, you may want to consider electing the HDHP and opening an HSA. HSAs have a unique triple tax advantage 4 that can make them a powerful savings vehicle for qualified medical expenses in current and future years: Contributions, earnings, and withdrawals are tax-free for federal tax purposes. To make the most of your HSA (if you have access to one and you can afford it), you may want to consider paying for current-year qualified medical expenses out of pocket, and letting your HSA contributions remain invested in your HSA. That way, the money has the potential to grow tax-free 5 and be used to pay for future qualified medical expenses, including those in retirement. If you don't reimburse medical expenses in the current year, keep your receipts. You may reimburse yourself for past year expenses, as long as you incurred your qualified medical expense after you established your HSA. For more on HSAs, read Viewpoints on Fidelity.com: 5 ways HSAs can fortify your retirement Tip: Learn more about HSAs and consider opening a Fidelity HSA . Since HSAs are portable, you can transfer account balances in HSAs from any of your previous employers to a Fidelity HSA. 3 4. Invest for the future While regular contributions to tax-advantaged retirement accounts may help keep you on track to reach your retirement savings goal, your investment mix (asset allocation) is an important factor too. Consider whether investing a significant portion of your savings in a mix of US and international stocks and stock mutual funds may help you reach your long-term savings goals, since stocks have historically outperformed bonds and cash over the long term. You may want to think about gradually reducing the percentage of investments that you allocate to stocks as you get older. Employees who receive company stock through equity compensation plans should consider that in determining asset allocation and concentrated stock position risk. Whatever your projected retirement date, your goal should be to have a portfolio with exposure to various types of investments that can provide the opportunity for growth and the potential to outpace inflation, along with investments that offer some degree of risk-reducing diversification. Of course, stocks come with more ups and downs than bonds or cash, so you need to be comfortable with those risks. You should always make sure that your investment mix reflects your time horizon, tolerance for risk, and financial situation. Goal: Enjoy retirement As you plan for the day you retire, taking full advantage of tax-advantaged savings accounts, including catch-up provisions, may help you arrive in a significantly stronger position to enjoy the retirement lifestyle you envision.
Markdown	[Skip to main content](https://www.fidelity.com/viewpoints/retirement/catch-up-contributions#navSkipToContent) [Fidelity.com Home](https://www.fidelity.com/) [Log in](https://digital.fidelity.com/prgw/digital/login/full-page) - [Accounts & Trade]() - [Portfolio](https://digital.fidelity.com/prgw/digital/login/full-page?AuthRedUrl=https://digital.fidelity.com/ftgw/digital/portfolio/summary) - [Account Positions](https://digital.fidelity.com/ftgw/digital/portfolio/positions) - [Trade](https://digital.fidelity.com/ftgw/digital/trade-equity/index/orderEntry) - [Fidelity Trader+ Web](https://digital.fidelity.com/ftgw/digital/trader-dashboard) - [Fidelity Trader+](https://www.fidelity.com/trading/trading-platforms) - [Transfers](https://www.fidelity.com/customer-service/money-movement) - [Cash Management](https://digital.fidelity.com/ftgw/digital/cashmanagement) - [Bill Pay](https://digital.fidelity.com/ftgw/digital/billpay/home) - [Full View®](https://digital.fidelity.com/ftgw/pna/customer/pgc/networth/) - [Security Settings](https://digital.fidelity.com/ftgw/digital/security/dashboard/view) - [Account Features](https://digital.fidelity.com/ftgw/digital/portfolio/features) - [Documents](https://digital.fidelity.com/ftgw/digital/portfolio/documents) - [Tax Forms & Information](https://www.fidelity.com/tax-information/overview) - [Retirement Distributions](https://digital.fidelity.com/ftgw/digital/mrdhub) - [Refer a Friend](https://www.fidelity.com/customer-service/friendsandfamily3a) - [Retirement]() - [Retirement Planning](https://www.fidelity.com/retirement/retirement-planning) - [401(k) Rollovers & IRA Transfers](https://www.fidelity.com/retirement/401k-rollover) - [Retirement Accounts](https://www.fidelity.com/retirement/retirement-accounts) - [Retirement Education](https://www.fidelity.com/learning-center/personal-finance/retirement-education) - [Wealth Management]() - [Wealth Management Offerings](https://www.fidelity.com/wealth/wealth-management-offerings) - [Financial Advisors](https://www.fidelity.com/wealth/financial-advisors) - [Financial Planning](https://www.fidelity.com/wealth/financial-planning) - [Investment Management](https://www.fidelity.com/wealth/investment-management) - [Wealth Management Insights](https://www.fidelity.com/learning-center/wealth-management-insights) - [News & Research]() - [News](https://www.fidelity.com/news/overview) - [Wealth Management Insights](https://www.fidelity.com/learning-center/wealth-management-insights) - [Watchlist](https://digital.fidelity.com/ftgw/digital/watwebex) - [Alerts](https://alertable.fidelity.com/ftgw/digital/alerts) - [Stocks, ETFs, Crypto](https://digital.fidelity.com/prgw/digital/research/src) - [Mutual Funds](https://fundresearch.fidelity.com/fund-screener) - [Fixed Income, Bonds & CDs](https://fixedincome.fidelity.com/ftgw/fi/FILanding) - [Options](https://digital.fidelity.com/ftgw/digital/options-home/) - [IPOs](https://brokerage.fidelity.com/ftgw/brkg/ipo/calendar) - [Annuities](https://fundresearch.fidelity.com/fund-screener/annuities/) - [Learn](https://www.fidelity.com/learning-center/overview) - [Products]() - [Spending & Saving](https://www.fidelity.com/spend-save/overview) - [Investing & Trading](https://www.fidelity.com/trading/overview) - [Mutual Funds](https://www.fidelity.com/mutual-funds/overview) - [Crypto](https://www.fidelity.com/crypto/overview) - [Direct Indexing](https://www.fidelity.com/direct-indexing/overview) - [Fixed Income, Bonds & CDs](https://www.fidelity.com/fixed-income-bonds/overview) - [ETFs](https://www.fidelity.com/etfs/investing-in-etfs) - [Options](https://www.fidelity.com/options-trading/overview) - [Sustainable Investing](https://www.fidelity.com/sustainable/overview) - [529 College Savings](https://www.fidelity.com/529-plans/overview) - [Health Savings Accounts](https://www.fidelity.com/go/hsa/why-hsa) - [Annuities](https://www.fidelity.com/annuities/overview) - [Life Insurance](https://www.fidelity.com/life-insurance/term-life-insurance/overview) - [Customer Service](https://www.fidelity.com/customer-service/overview) - [Fidelity Assistant](https://www.fidelity.com/customer-service/overview?ccsource=FA_NAV) - [Profile](https://digital.fidelity.com/ftgw/digital/profile) [Log in](https://digital.fidelity.com/prgw/digital/login/full-page) [Open an account](https://www.fidelity.com/open-account/overview) [Fidelity.com Home](https://www.fidelity.com/) - [Customer Service](https://www.fidelity.com/customer-service/overview) - [Fidelity Assistant](https://www.fidelity.com/customer-service/overview?ccsource=FA_NAV) - [Profile](https://digital.fidelity.com/ftgw/digital/profile) - [Open an account](https://www.fidelity.com/open-account/overview) - [Log in](https://digital.fidelity.com/prgw/digital/login/full-page) - [Accounts & Trade]() - [Portfolio](https://digital.fidelity.com/prgw/digital/login/full-page?AuthRedUrl=https://digital.fidelity.com/ftgw/digital/portfolio/summary) - [Account Positions](https://digital.fidelity.com/ftgw/digital/portfolio/positions) - [Trade](https://digital.fidelity.com/ftgw/digital/trade-equity/index/orderEntry) - [Fidelity Trader+ Web](https://digital.fidelity.com/ftgw/digital/trader-dashboard) - [Fidelity Trader+](https://www.fidelity.com/trading/trading-platforms) - [Transfers](https://www.fidelity.com/customer-service/money-movement) - [Cash Management](https://digital.fidelity.com/ftgw/digital/cashmanagement) - [Bill Pay](https://digital.fidelity.com/ftgw/digital/billpay/home) - [Full View®](https://digital.fidelity.com/ftgw/pna/customer/pgc/networth/) - [Security Settings](https://digital.fidelity.com/ftgw/digital/security/dashboard/view) - [Account Features](https://digital.fidelity.com/ftgw/digital/portfolio/features) - [Documents](https://digital.fidelity.com/ftgw/digital/portfolio/documents) - [Tax Forms & Information](https://www.fidelity.com/tax-information/overview) - [Retirement Distributions](https://digital.fidelity.com/ftgw/digital/mrdhub) - [Refer a Friend](https://www.fidelity.com/customer-service/friendsandfamily3a) - [Retirement]() - [Retirement Planning](https://www.fidelity.com/retirement/retirement-planning) - [401(k) Rollovers & IRA Transfers](https://www.fidelity.com/retirement/401k-rollover) - [Retirement Accounts](https://www.fidelity.com/retirement/retirement-accounts) - [Retirement Education](https://www.fidelity.com/learning-center/personal-finance/retirement-education) - [Wealth Management]() - [Wealth Management Offerings](https://www.fidelity.com/wealth/wealth-management-offerings) - [Financial Advisors](https://www.fidelity.com/wealth/financial-advisors) - [Financial Planning](https://www.fidelity.com/wealth/financial-planning) - [Investment Management](https://www.fidelity.com/wealth/investment-management) - [Wealth Management Insights](https://www.fidelity.com/learning-center/wealth-management-insights) - [News & Research]() - [News](https://www.fidelity.com/news/overview) - [Wealth Management Insights](https://www.fidelity.com/learning-center/wealth-management-insights) - [Watchlist](https://digital.fidelity.com/ftgw/digital/watwebex) - [Alerts](https://alertable.fidelity.com/ftgw/digital/alerts) - [Stocks, ETFs, Crypto](https://digital.fidelity.com/prgw/digital/research/src) - [Mutual Funds](https://fundresearch.fidelity.com/fund-screener) - [Fixed Income, Bonds & CDs](https://fixedincome.fidelity.com/ftgw/fi/FILanding) - [Options](https://digital.fidelity.com/ftgw/digital/options-home/) - [IPOs](https://brokerage.fidelity.com/ftgw/brkg/ipo/calendar) - [Annuities](https://fundresearch.fidelity.com/fund-screener/annuities/) - [Learn](https://www.fidelity.com/learning-center/overview) - [Products]() - [Spending & Saving](https://www.fidelity.com/spend-save/overview) - [Investing & Trading](https://www.fidelity.com/trading/overview) - [Mutual Funds](https://www.fidelity.com/mutual-funds/overview) - [Crypto](https://www.fidelity.com/crypto/overview) - [Direct Indexing](https://www.fidelity.com/direct-indexing/overview) - [Fixed Income, Bonds & CDs](https://www.fidelity.com/fixed-income-bonds/overview) - [ETFs](https://www.fidelity.com/etfs/investing-in-etfs) - [Options](https://www.fidelity.com/options-trading/overview) - [Sustainable Investing](https://www.fidelity.com/sustainable/overview) - [529 College Savings](https://www.fidelity.com/529-plans/overview) - [Health Savings Accounts](https://www.fidelity.com/go/hsa/why-hsa) - [Annuities](https://www.fidelity.com/annuities/overview) - [Life Insurance](https://www.fidelity.com/life-insurance/term-life-insurance/overview) [Skip to main content](https://www.fidelity.com/viewpoints/retirement/catch-up-contributions#navSkipToContent) [Fidelity.com Home](https://www.fidelity.com/) [Log in](https://digital.fidelity.com/prgw/digital/login/full-page) - [Accounts & Trade]() - [Portfolio](https://digital.fidelity.com/prgw/digital/login/full-page?AuthRedUrl=https://digital.fidelity.com/ftgw/digital/portfolio/summary) - [Account Positions](https://digital.fidelity.com/ftgw/digital/portfolio/positions) - [Trade](https://digital.fidelity.com/ftgw/digital/trade-equity/index/orderEntry) - [Fidelity Trader+ Web](https://digital.fidelity.com/ftgw/digital/trader-dashboard) - [Fidelity Trader+](https://www.fidelity.com/trading/trading-platforms) - [Transfers](https://www.fidelity.com/customer-service/money-movement) - [Cash Management](https://digital.fidelity.com/ftgw/digital/cashmanagement) - [Bill Pay](https://digital.fidelity.com/ftgw/digital/billpay/home) - [Full View®](https://digital.fidelity.com/ftgw/pna/customer/pgc/networth/) - [Security Settings](https://digital.fidelity.com/ftgw/digital/security/dashboard/view) - [Account Features](https://digital.fidelity.com/ftgw/digital/portfolio/features) - [Documents](https://digital.fidelity.com/ftgw/digital/portfolio/documents) - [Tax Forms & Information](https://www.fidelity.com/tax-information/overview) - [Retirement Distributions](https://digital.fidelity.com/ftgw/digital/mrdhub) - [Refer a Friend](https://www.fidelity.com/customer-service/friendsandfamily3a) - [Investing]() - [Self Directed Investing](https://www.fidelity.com/investing/trading) - [Advanced Trading](https://www.fidelity.com/investing/advanced-trading) - [Investing for a Child](https://www.fidelity.com/investing/investing-for-kids) - [Managing Cash & Credit](https://www.fidelity.com/investing/manage-cash-credit-lending) - [Investment Accounts & Products](https://www.fidelity.com/investing/investment-accounts) - [Investing & Trading Education](https://www.fidelity.com/learning-center/personal-finance/investing-trading-education) - [Retirement]() - [Retirement Planning](https://www.fidelity.com/retirement/retirement-planning) - [401(k) Rollovers & IRA Transfers](https://www.fidelity.com/retirement/401k-rollover) - [Retirement Accounts](https://www.fidelity.com/retirement/retirement-accounts) - [Retirement Education](https://www.fidelity.com/learning-center/personal-finance/retirement-education) - [Wealth Management]() - [Wealth Management Offerings](https://www.fidelity.com/wealth/wealth-management-offerings) - [Financial Advisors](https://www.fidelity.com/wealth/financial-advisors) - [Financial Planning](https://www.fidelity.com/wealth/financial-planning) - [Investment Management](https://www.fidelity.com/wealth/investment-management) - [Wealth Management Insights](https://www.fidelity.com/learning-center/wealth-management-insights) - [News & Research]() - [News](https://www.fidelity.com/news/overview) - [Wealth Management Insights](https://www.fidelity.com/learning-center/wealth-management-insights) - [Watchlist](https://digital.fidelity.com/ftgw/digital/watwebex) - [Alerts](https://alertable.fidelity.com/ftgw/digital/alerts) - [Stocks, ETFs, Crypto](https://digital.fidelity.com/prgw/digital/research/src) - [Mutual Funds](https://fundresearch.fidelity.com/fund-screener) - [Fixed Income, Bonds & CDs](https://fixedincome.fidelity.com/ftgw/fi/FILanding) - [Options](https://digital.fidelity.com/ftgw/digital/options-home/) - [IPOs](https://brokerage.fidelity.com/ftgw/brkg/ipo/calendar) - [Annuities](https://fundresearch.fidelity.com/fund-screener/annuities/) - [Learn](https://www.fidelity.com/learning-center/overview) - [Customer Service](https://www.fidelity.com/customer-service/overview) - [Fidelity Assistant](https://www.fidelity.com/customer-service/overview?ccsource=FA_NAV) - [Profile](https://digital.fidelity.com/ftgw/digital/profile) [Log in](https://digital.fidelity.com/prgw/digital/login/full-page) [Open an account](https://www.fidelity.com/open-account/overview) [Fidelity.com Home](https://www.fidelity.com/) - [Customer Service](https://www.fidelity.com/customer-service/overview) - [Fidelity Assistant](https://www.fidelity.com/customer-service/overview?ccsource=FA_NAV) - [Profile](https://digital.fidelity.com/ftgw/digital/profile) - [Open an account](https://www.fidelity.com/open-account/overview) - [Log in](https://digital.fidelity.com/prgw/digital/login/full-page) - [Accounts & Trade]() - [Portfolio](https://digital.fidelity.com/prgw/digital/login/full-page?AuthRedUrl=https://digital.fidelity.com/ftgw/digital/portfolio/summary) - [Account Positions](https://digital.fidelity.com/ftgw/digital/portfolio/positions) - [Trade](https://digital.fidelity.com/ftgw/digital/trade-equity/index/orderEntry) - [Fidelity Trader+ Web](https://digital.fidelity.com/ftgw/digital/trader-dashboard) - [Fidelity Trader+](https://www.fidelity.com/trading/trading-platforms) - [Transfers](https://www.fidelity.com/customer-service/money-movement) - [Cash Management](https://digital.fidelity.com/ftgw/digital/cashmanagement) - [Bill Pay](https://digital.fidelity.com/ftgw/digital/billpay/home) - [Full View®](https://digital.fidelity.com/ftgw/pna/customer/pgc/networth/) - [Security Settings](https://digital.fidelity.com/ftgw/digital/security/dashboard/view) - [Account Features](https://digital.fidelity.com/ftgw/digital/portfolio/features) - [Documents](https://digital.fidelity.com/ftgw/digital/portfolio/documents) - [Tax Forms & Information](https://www.fidelity.com/tax-information/overview) - [Retirement Distributions](https://digital.fidelity.com/ftgw/digital/mrdhub) - [Refer a Friend](https://www.fidelity.com/customer-service/friendsandfamily3a) - [Investing]() - [Self Directed Investing](https://www.fidelity.com/investing/trading) - [Advanced Trading](https://www.fidelity.com/investing/advanced-trading) - [Investing for a Child](https://www.fidelity.com/investing/investing-for-kids) - [Managing Cash & Credit](https://www.fidelity.com/investing/manage-cash-credit-lending) - [Investment Accounts & Products](https://www.fidelity.com/investing/investment-accounts) - [Investing & Trading Education](https://www.fidelity.com/learning-center/personal-finance/investing-trading-education) - [Retirement]() - [Retirement Planning](https://www.fidelity.com/retirement/retirement-planning) - [401(k) Rollovers & IRA Transfers](https://www.fidelity.com/retirement/401k-rollover) - [Retirement Accounts](https://www.fidelity.com/retirement/retirement-accounts) - [Retirement Education](https://www.fidelity.com/learning-center/personal-finance/retirement-education) - [Wealth Management]() - [Wealth Management Offerings](https://www.fidelity.com/wealth/wealth-management-offerings) - [Financial Advisors](https://www.fidelity.com/wealth/financial-advisors) - [Financial Planning](https://www.fidelity.com/wealth/financial-planning) - [Investment Management](https://www.fidelity.com/wealth/investment-management) - [Wealth Management Insights](https://www.fidelity.com/learning-center/wealth-management-insights) - [News & Research]() - [News](https://www.fidelity.com/news/overview) - [Wealth Management Insights](https://www.fidelity.com/learning-center/wealth-management-insights) - [Watchlist](https://digital.fidelity.com/ftgw/digital/watwebex) - [Alerts](https://alertable.fidelity.com/ftgw/digital/alerts) - [Stocks, ETFs, Crypto](https://digital.fidelity.com/prgw/digital/research/src) - [Mutual Funds](https://fundresearch.fidelity.com/fund-screener) - [Fixed Income, Bonds & CDs](https://fixedincome.fidelity.com/ftgw/fi/FILanding) - [Options](https://digital.fidelity.com/ftgw/digital/options-home/) - [IPOs](https://brokerage.fidelity.com/ftgw/brkg/ipo/calendar) - [Annuities](https://fundresearch.fidelity.com/fund-screener/annuities/) - [Learn](https://www.fidelity.com/learning-center/overview) ## Learn - [Learn](https://www.fidelity.com/learning-center/overview) - [Favorites](https://www.fidelity.com/learning-center/favorites) - Topics - Financial essentials - [Saving and budgeting money](https://www.fidelity.com/learning-center/personal-finance/saving-and-budgeting-money "Saving and budgeting money") - [Managing debt](https://www.fidelity.com/learning-center/personal-finance/managing-debt "Managing debt") - [Saving for retirement](https://www.fidelity.com/learning-center/personal-finance/retirement/saving-for-retirement "Saving for retirement") - [Working and income](https://www.fidelity.com/learning-center/personal-finance/working-and-income "Working and income") - [Managing health care](https://www.fidelity.com/learning-center/personal-finance/managing-health-care "Managing health care") - [Talking to family about money](https://www.fidelity.com/learning-center/personal-finance/talking-to-family-about-money "Talking to family about money") - [Personal finance for students](https://www.fidelity.com/learning-center/personal-finance/personal-finance-for-students "Personal finance for students") - [Managing taxes](https://www.fidelity.com/learning-center/personal-finance/managing-taxes/managing-taxes "Managing taxes") - [Managing estate planning](https://www.fidelity.com/learning-center/personal-finance/managing-estate-planning "Managing estate planning") - [Making charitable donations](https://www.fidelity.com/learning-center/personal-finance/charitable-giving/making-charitable-donations "Making charitable donations") - Life events - [Changing jobs](https://www.fidelity.com/learning-center/life-events/career-planning "Changing jobs") - [Planning for college](https://www.fidelity.com/learning-center/life-events/prepare-for-college "Planning for college") - [Getting divorced](https://www.fidelity.com/learning-center/life-events/getting-divorced "Getting divorced") - [Becoming a parent](https://www.fidelity.com/learning-center/life-events/parenting "Becoming a parent") - [Caring for aging loved ones](https://www.fidelity.com/learning-center/life-events/caring-for-the-aging "Caring for aging loved ones") - [Marriage and partnering](https://www.fidelity.com/learning-center/life-events/marriage "Marriage and partnering") - [Buying or selling a house](https://www.fidelity.com/learning-center/life-events/selling-and-buying-house "Buying or selling a house") - [Retiring](https://www.fidelity.com/learning-center/personal-finance/retirement/planning-your-retirement "Retiring") - [Losing a loved one](https://www.fidelity.com/learning-center/life-events/loss-of-loved-one "Losing a loved one") - [Making a major purchase](https://www.fidelity.com/learning-center/life-events/major-purchase "Making a major purchase ") - [Experiencing illness or injury](https://www.fidelity.com/learning-center/life-events/injury-and-illness "Experiencing illness or injury") - [Disabilities and special needs](https://www.fidelity.com/learning-center/life-events/disabilities-and-special-needs "Disabilities and special needs") - [Aging well](https://www.fidelity.com/learning-center/life-events/aging-well "Aging well") - [Becoming self-employed](https://www.fidelity.com/learning-center/life-events/how-to-become-self-employed "Becoming self-employed") - Investing and trading - [Investing for beginners](https://www.fidelity.com/learning-center/trading-investing/investing-for-beginners "Investing for beginners") - [Trading for beginners](https://www.fidelity.com/learning-center/trading-investing/trading-for-beginners "Trading for beginners") - [Crypto basics](https://www.fidelity.com/learning-center/trading-investing/crypto/crypto-for-beginners "Crypto basics") - [Crypto: Beyond the basics](https://www.fidelity.com/learning-center/trading-investing/crypto/crypto-advanced "Crypto: Beyond the basics") - [Alternative investing](https://www.fidelity.com/learning-center/trading-investing/alternative-investing "Alternative investing") - [Exploring stocks and sectors](https://www.fidelity.com/learning-center/trading-investing/finding-stocks-and-sector-ideas "Exploring stocks and sectors") - [Investing for income](https://www.fidelity.com/learning-center/trading-investing/investing-for-income "Investing for income") - [Analyzing stock fundamentals](https://www.fidelity.com/learning-center/trading-investing/fundamental-analysis/analyzing-stock-fundamentals "Analyzing stock fundamentals") - [Using technical analysis](https://www.fidelity.com/learning-center/trading-investing/technical-analysis/using-technical-analysis "Using technical analysis") - Investment products - [ETFs](https://www.fidelity.com/learning-center/investment-products/etf/etfs "ETFs") - [Mutual funds](https://www.fidelity.com/learning-center/investment-products/mutual-funds/mutual-funds "Mutual funds ") - [Stocks](https://www.fidelity.com/learning-center/investment-products/stocks/stocks "Stocks") - [Fixed income, bonds, CDs](https://www.fidelity.com/learning-center/investment-products/fixed-income-bonds/fixed-income-bonds-cds "Fixed income, bonds, CDs") - [Annuities](https://www.fidelity.com/learning-center/investment-products/annuities "Annuities") - [Closed-end funds](https://www.fidelity.com/learning-center/investment-products/closed-end-funds/closed-end-funds "Closed-end funds") - Advanced trading - [Using margin](https://www.fidelity.com/learning-center/trading-investing/using-margin "Using margin") - [Options trading basics](https://www.fidelity.com/learning-center/investment-products/options/options-for-beginners "Options trading basics") - [Options: Beyond the basics](https://www.fidelity.com/learning-center/investment-products/options/options "Options: Beyond the basics") - [Advanced trading strategies](https://www.fidelity.com/learning-center/trading-investing/more-trading-strategies "Advanced trading strategies") - [Using Fidelity Trader+](https://www.fidelity.com/learning-center/trading-investing/trading-platforms/using-trader-plus "Using Fidelity Trader+") - [Options Strategy Guide](https://www.fidelity.com/learning-center/investment-products/options/options-strategy-guide/overview "Options Strategy Guide") - [Technical Indicator Guide](https://www.fidelity.com/learning-center/trading-investing/technical-analysis/technical-indicator-guide/overview "Technical Indicator Guide") - [Latest Market Insights](https://www.fidelity.com/viewpoints/market-and-economic-insights/market-volatility-overview "Latest Market Insights") - [Viewpoints: Expert insights](https://www.fidelity.com/learning-center/viewpoints "Viewpoints: Expert insights") - [Smart Money: Tips and tactics](https://www.fidelity.com/learning-center/smart-money "Smart Money: Tips and tactics") - [Money Unscripted](https://www.fidelity.com/learning-center/money-unscripted "Money Unscripted") - [The Trading Post](https://www.fidelity.com/learning-center/trading-post "The Trading Post") - [Women Talk Money](https://www.fidelity.com/learning-center/women-talk-money "Women Talk Money") - [Wealth Management Insights](https://www.fidelity.com/learning-center/wealth-management-insights "Wealth Management Insights") - Events - [Upcoming events](https://fidelityevents.com/allevents/special "Upcoming events") - [On-demand webinars](https://www.fidelity.com/learning-center/events/investing-webinars "On-demand webinars") - [Market briefings](https://fidelityevents.com/allevents/filtered?hubFilter=tags\|Coaching,Market%20Analysis#hub "Market briefings") - [Market Sense](https://www.fidelity.com/learning-center/live-pi "Market Sense") - [Trading Strategy Desk® coaching](https://www.fidelity.com/learning-center/events/coaching-sessions "Trading Strategy Desk® coaching") - [Trading Strategy Desk® classes](https://www.fidelity.com/learning-center/events/virtual-classrooms "Trading Strategy Desk® classes") - Search January 29, 2026 ![Estimate Time](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/article/time-clock-circle.svg)5 min Save ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/article/Bookmark.svg) ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/article/save-success.svg) Close Popover * Great, you have saved this article to you My Learn Profile page. Share ![Share](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/article/share.svg) Close Popover * Catch-up contributions to tax-advantaged accounts \\| Fidelity Clicking a link will open a new window. - [Facebook](https://www.fidelity.com/viewpoints/retirement/catch-up-contributions#facebook) - [Twitter](https://www.fidelity.com/viewpoints/retirement/catch-up-contributions#twitter) - [LinkedIn](https://www.fidelity.com/viewpoints/retirement/catch-up-contributions#linkedin) [Print ![Print](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/article/Print.svg)](https://www.fidelity.com/viewpoints/retirement/catch-up-contributions#print) # 50 or older? 4 ways to catch up your savings Learn ways to save more in tax-advantaged retirement accounts. Fidelity Viewpoints ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/migration/article/content_11/50plus_catchup_savings_2019_banner.jpg) ### Key takeaways - If you're over age 50, taking full advantage of catch-up provisions in tax-advantaged savings accounts can help boost your income in retirement. - Traditional and Roth IRAs and 401k(s) offer catch-up contributions for those age 50 and over. - Even if you're on track with your retirement savings, tax-advantaged accounts can help you build more assets. The notion that turning age 50 means starting to slow down is likely a young person's opinion. People who have hit "the big five-oh" know better. The prospect of retiring is getting closer, and there's a lot of living ahead. So it's important to ensure you have the money to live the life you've planned. Fortunately, the federal government recognizes that people approaching retirement age often need to pick up the pace to ensure they have saved enough for retirement. The tax code provides "catch-up" savings opportunities so that people age 50 and older can increase their tax-advantaged contributions to IRAs, 401(k)s, and HSAs (starting at age 55). Taking advantage of catch-up contributions can deliver a significant boost to your retirement saving. For example, if you turn 50 this year and put an extra \$1,100 into your IRA at the beginning of each year for the next 20 years, and it earns an average return of 7% a year, you could have just over \$48,000 more in your account than someone who didn't take advantage of the catch-up.1 And the impact can be even greater for a 401(k) or similar plan, where the catch-up contribution opportunity is larger. Ready to start catching up with your retirement savings? Here's how: ### 1\. Know if your retirement saving is on track Are you on track to cover essential expenses in retirement? The first step is to find out how your savings—and savings rate—stack up. To get an indication of how prepared you really are, get your [Fidelity Retirement ScoreSM](https://www.fidelity.com/calculators-tools/fidelity-retirement-score-tool "Fidelity Retirement ScoreSM"). It takes about 60 seconds to answer 6 simple questions. Whatever your score or your age, you can take some simple steps to stay on track or improve your retirement readiness. [Fidelity Retirement ScoreSM](https://www.fidelity.com/calculators-tools/fidelity-retirement-score-tool "Fidelity Retirement ScoreSM") can show you how adjustments to monthly savings, investment style, and other factors could impact your preparedness. Tip: Want a more in-depth analysis of your retirement readiness? Visit Fidelity's [Planning & Guidance Center](https://www.fidelity.com/calculators-tools/planning-guidance-center). ### 2\. Make the most of catch-up provisions Once you reach age 50, catch-up provisions in the tax code allow you to increase your tax-advantaged savings in several types of retirement accounts. For a traditional or Roth IRA, the annual catch-up amount in 2025 is \$1,000 and in 2026 is \$1,100, which boosts your total contribution potential to IRAs to \$8,000 and \$8,600. If you participate in a 401(k), Roth 401(k), 403(b), or similar workplace retirement savings plan, the catch-up opportunity is even greater. The standard catch-up amount for people age 50+ is \$8,000 in 2026 (up from \$7,500 in 2025): This makes the total catch-up limit in 2026 for people age 50+ to be \$32,500 (\$8,000 + the base \$24,500 limit, up from \$31,000 in 2025). For people age 60-63, there is an enhanced \$11,250 “super catch-up,” replacing the \$8,000, provided your plan offers this SECURE 2.0 provision: That makes the total catch-up limit in 2026 for people age 60-63 to be \$35,750 (\$11,250 + the base \$24,500 limit, up from \$32,500 in 2025). The SECURE 2.0 Act of 2022 introduced new requirements for high earners: Starting this year, in 2026, if you earned at least \$150,000 in 2025, all catch-up contributions at age 50 or older will need to be made to a Roth account in after-tax dollars. Individuals earning less than \$150,000, adjusted for inflation going forward, will be exempt from the Roth requirement. Participants in retirement accounts designed for self-employed individuals and small businesses can also take advantage of catch-up contributions: - For a SIMPLE IRA: The annual catch-up amount in 2025 was \$3,500 for those people age 50-59 and 64+. For those age 60-63, the catch-up was \$5,250. For 2026, the catch-up for those age 50-59 and 64+ is \$4,000 and for those age 50-59 and 64+, \$5,250. For companies with 25 for fewer employees or with 26-100 employees, provided they offer a 4% matching contribution or 3% non-elective contribution, employees may contribute 110% of the 2024 catch-up amount, which is \$3,850, for both 2025 and 2026. This is instead of, not on top of, the regular catch-up amount. - For a SE401(k), the annual catch-up amount in 2026 for people age 50-59 and 64+ is \$8,000 (up from \$7,500 in 2025): This makes the total catch-up limit in 2026 for people in this age group to be \$31,500 (\$8,000 + the base \$23,500 limit, up from \$31,000 in 2025). For people age 60-63, there is an enhanced \$11,250 “super catch-up,” replacing the \$7,500, provided your plan offers this provision: That makes the total catch-up limit in 2026 for people in this age group to be \$35,750 (\$11,250 + the base \$24,500 limit). ### 3\. Harness the power of tax-advantaged accounts Even if you're on track with your retirement savings, tax-advantaged accounts are attractive long-term investment vehicles and tax-efficient planning tools. With traditional IRAs or 401(k)s, contributions reduce your taxable income in the current year, as long as you are eligible, though withdrawals are taxable.2 These traditional accounts also offer tax-deferred compounding. With Roth IRAs, you pay taxes up front but qualified withdrawals are tax-free when you reach age 59½, assuming certain conditions are met.3 Roth IRAs offer the potential for tax-free compounding. Tip: [Compare IRA options](https://www.fidelity.com/retirement-ira/ira-comparison)—traditional or Roth—to see which might be right for you. If your employer offers a high-deductible health care plan (HDHP) with an HSA, you may want to consider electing the HDHP and opening an HSA. HSAs have a unique triple tax advantage4 that can make them a powerful savings vehicle for qualified medical expenses in current and future years: Contributions, earnings, and withdrawals are tax-free for federal tax purposes. To make the most of your HSA (if you have access to one and you can afford it), you may want to consider paying for current-year qualified medical expenses out of pocket, and letting your HSA contributions remain invested in your HSA. That way, the money has the potential to grow tax-free5 and be used to pay for future qualified medical expenses, including those in retirement. If you don't reimburse medical expenses in the current year, keep your receipts. You may reimburse yourself for past year expenses, as long as you incurred your qualified medical expense after you established your HSA. For more on HSAs, read Viewpoints on Fidelity.com: [5 ways HSAs can fortify your retirement](https://www.fidelity.com/viewpoints/wealth-management/hsas-and-your-retirement) Tip: Learn more about HSAs and consider [opening a Fidelity HSA](https://www.fidelity.com/go/hsa/why-hsa). Since HSAs are portable, you can [transfer account balances](https://www.fidelity.com/learning-center/smart-money/hsa-rollover) in HSAs from any of your previous employers to a Fidelity HSA.3 ### 4\. Invest for the future While regular contributions to tax-advantaged retirement accounts may help keep you on track to reach your retirement savings goal, your investment mix (asset allocation) is an important factor too. Consider whether investing a significant portion of your savings in a mix of US and international stocks and stock mutual funds may help you reach your long-term savings goals, since stocks have historically outperformed bonds and cash over the long term. You may want to think about gradually reducing the percentage of investments that you allocate to stocks as you get older. Employees who receive company stock through equity compensation plans should consider that in determining asset allocation and concentrated stock position risk. Whatever your projected retirement date, your goal should be to have a portfolio with exposure to various types of investments that can provide the opportunity for growth and the potential to outpace inflation, along with investments that offer some degree of risk-reducing diversification. Of course, stocks come with more ups and downs than bonds or cash, so you need to be comfortable with those risks. You should always make sure that your investment mix reflects your time horizon, tolerance for risk, and financial situation. ### Goal: Enjoy retirement As you plan for the day you retire, taking full advantage of tax-advantaged savings accounts, including catch-up provisions, may help you arrive in a significantly stronger position to enjoy the retirement lifestyle you envision. ## Invest your IRA Create an investment strategy that lines up with your goals. [Get started](https://www.fidelity.com/retirement-planning/ira-investment-options) ## More to explore ### [Get your retirement score](https://www.fidelity.com/calculators-tools/PGCretirement-score) Determine if you're contributing enough to your savings. ### https://digital.fidelity.com/ftgw/digital/transfer [Contribute to your IRALog In Required](https://digital.fidelity.com/ftgw/digital/transfer "Contribute to your IRA") Move money into your Fidelity account. ## Subscribe to Fidelity Viewpoints® Timely news and insights from our pros on markets, investing, and personal finance.(debug tcm:2365-349569) ### Looking for more ideas and insights? We'll deliver them right to your inbox. Manage subscriptions ### Thanks for subscribing\! Check out your Favorites page, where you can: - Tell us the topics you want to learn more about - View content you've saved for later - Subscribe to our newsletters [Go to Favorites](https://www.fidelity.com/learning-center/favorites) ### We're on our way, but not quite there yet Good news, you're on the early-access list. But we're not available in your state just yet. As soon as we are, we'll let you know. In the meantime, boost your crypto brainpower in our Learning Center. Manage subscriptions ### Oh, hello again\! Good news, you’re already on the early-access list. Keep an eye on your email for your invitation to Fidelity Crypto. Manage subscriptions Close dialog ### Thanks for subscribing to Looking for more ideas and insights? You might like these too: ### Looking for more ideas and insights? You might like these too: ### Fidelity Viewpoints® Timely news and insights from our pros on markets, investing, and personal finance.(debug tcm:2 ... ### Decode Crypto Clarity on crypto every month. Build your knowledge with education for all levels. ### Fidelity Smart Money℠ What the news means for your money, plus tips to help you spend, save, and invest. ### Active Investor Our most advanced investment insights, strategies, and tools. ### Insights from Fidelity Wealth Management ℠ Timely news, events, and wealth strategies from top Fidelity thought leaders. ### Women Talk Money Real talk and helpful tips about money, investing, and careers. ### Educational Webinars and Events Free financial education from Fidelity and other leading industry professionals. Fidelity Viewpoints® Timely news and insights from our pros on markets, investing, and personal finance.(debug tcm:2 ... Decode Crypto Clarity on crypto every month. Build your knowledge with education for all levels. Fidelity Smart Money℠ What the news means for your money, plus tips to help you spend, save, and invest. Active Investor Our most advanced investment insights, strategies, and tools. Insights from Fidelity Wealth Management ℠ Timely news, events, and wealth strategies from top Fidelity thought leaders. Women Talk Money Real talk and helpful tips about money, investing, and careers. Educational Webinars and Events Free financial education from Fidelity and other leading industry professionals. Done Add subscriptions No, thanks. Loading - [Finding stock and sector ideas](https://www.fidelity.com/learning-center/trading-investing/finding-stocks-and-sector-ideas) - [Investing for beginners](https://www.fidelity.com/learning-center/trading-investing/investing-for-beginners) - [Managing taxes](https://www.fidelity.com/learning-center/personal-finance/managing-taxes/managing-taxes) - [Investing for income](https://www.fidelity.com/learning-center/trading-investing/investing-for-income) - [Preparing for retirement](https://www.fidelity.com/learning-center/personal-finance/retirement/planning-your-retirement) - [Saving for retirement](https://www.fidelity.com/learning-center/personal-finance/retirement/saving-for-retirement) - [Living in retirement](https://www.fidelity.com/learning-center/personal-finance/retirement/planning-your-retirement) - [Working for yourself](https://www.fidelity.com/learning-center/life-events/how-to-become-self-employed) - [Stocks](https://www.fidelity.com/learning-center/investment-products/stocks/stocks) - [Using technical analysis](https://www.fidelity.com/learning-center/trading-investing/technical-analysis/using-technical-analysis) 1\. This hypothetical example is for illustrative purposes only and is not intended to represent the performance of any security in a Fidelity IRA. The example assumes: annual tax-deferred compounding in an IRA; that annual contributions are made each January 1 for 20 years; an annual contribution limit of \$7,500; additional "catch-up" annual limits of \$1,100; a hypothetical 7% annual return; and the reinvestment of income dividends and capital gains distributions. Consider your current and anticipated investment horizon when making an investment decision, as the illustration may not reflect this. The assumed rate of return used in this example is not guaranteed. Investments that have potential for 7% annual rate of return also come with risk of loss. Final account balances are prior to any distributions, and taxes may be due upon distribution. 2\. Tax advantages are with respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation. See a tax professional for more information on the state tax implications. 3\. A qualified distribution from a Roth IRA is tax-free and penalty-free. To be considered a qualified distribution, the 5-year aging requirement has to be satisfied and you must be age 59½ or older or meet one of several exemptions (disability, qualified first-time home purchase, or death among them). 4\. Other HSA contribution eligibility rules may apply. Notably, the tax rules do not allow individuals enrolled in non-high deductible coverage, such as Medicare, to make tax-advantaged contributions to an HSA. Medicare enrollment at age 65 for example, may make you ineligible to contribute to an HSA. 5\. With respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation. IMPORTANT: The projections or other information generated by Fidelity Retirement Score regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time. Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money. Past performance is no guarantee of future results. This information is intended to be educational and is not tailored to the investment needs of any specific investor. Fidelity does not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity cannot guarantee that the information herein is accurate, complete, or timely. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Fidelity Brokerage Services LLC, Member NYSE, [SIPC](https://www.sipc.org/), 900 Salem Street, Smithfield, RI 02917 790968\.14.0 - [Mutual Funds](https://www.fidelity.com/mutual-funds/overview) - [ETFs](https://www.fidelity.com/etfs/overview) - [Fixed Income](https://www.fidelity.com/fixed-income-bonds/overview) - [Bonds](https://www.fidelity.com/fixed-income-bonds/individual-bonds/overview) - [CDs](https://www.fidelity.com/fixed-income-bonds/cds) - [Options](https://www.fidelity.com/options-trading/overview) - [Crypto](https://www.fidelity.com/crypto/overview) - [Fidelity Trader+](https://www.fidelity.com/trading/trading-platforms) - [Investor Centers](https://www.fidelity.com/branches/branch-locations) - [Stocks](https://www.fidelity.com/stock-trading/overview) - [Online Trading](https://www.fidelity.com/trading/overview) - [Direct Indexing](https://www.fidelity.com/direct-indexing/overview) - [Sustainable Investing](https://www.fidelity.com/sustainable/overview) - [Annuities](https://www.fidelity.com/annuities/overview) - [Life Insurance](https://www.fidelity.com/life-insurance/term-life-insurance/overview) - [Long-Term Care Planning](https://www.fidelity.com/life-insurance/long-term-care/overview) - [529 Plans](https://www.fidelity.com/529-plans/overview) - [Health Savings Account](https://www.fidelity.com/go/hsa/why-hsa) - [IRAs](https://www.fidelity.com/retirement/retirement-accounts) - [Retirement Planning](https://www.fidelity.com/retirement/retirement-planning) - [Small Business Retirement Plans](https://www.fidelity.com/retirement-ira/small-business/compare-retirement-plans) - [Charitable Giving](https://www.fidelity.com/building-savings/charity-and-philanthropy) - [Marketplace Solutions](https://www.fidelity.com/go/marketplace/overview) - [FINRA's BrokerCheck, (Opens in a new window)](https://brokercheck.finra.org/Firm/Summary/7784) - [Why Fidelity](https://www.fidelity.com/why-fidelity/overview) ### Stay Connected The search input box here - ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/footer/FidCom_SocialIcons_0003_Instagram.png) [Instagram, (Opens in a new window)](https://www.instagram.com/fidelityinvestments) - ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/footer/FidCom_SocialIcons_0002_LinkedIn.png) [LinkedIn, (Opens in a new window)](https://www.linkedin.com/company/fidelity-investments) - ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/footer/FidCom_SocialIcons_0004_YouTube.png) [YouTube, (Opens in a new window)](https://www.youtube.com/user/fidelityinvestments) - ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/footer/FidCom_SocialIcons_0006_Reddit.png) [Reddit, (Opens in a new window)](https://www.reddit.com/r/fidelityinvestments/) - ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/footer/FidCom_SocialIcons_0007_X.png) [X (Twitter), (Opens in a new window)](https://www.twitter.com/fidelity) - ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/footer/FidCom_SocialIcons_0000_Facebook.png) [Facebook, (Opens in a new window)](https://www.facebook.com/fidelityinvestments) - ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/footer/tiktok%20icon.png) [TikTok, (Opens in a new window)](https://www.tiktok.com/@fidelityinvestments) - ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/footer/Discord-Logo-Color-1.png) [Discord, (Opens in a new window)](https://discord.gg/FidelityInvestments) - ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/footer/fidelitymobile26x26.png) [Fidelity Apps](https://www.fidelity.com/mobile/overview) - ![](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/footer/refer26x26.png) [Refer a Friend](https://www.fidelity.com/customer-service/friendsandfamily3a?ccsource=RAFFooterNav) ![Fidelity.com Home](https://www.fidelity.com/bin-public/600_Fidelity_Com_English/images/footer/Fidelity-footer-logo.svg) - [Careers](https://jobs.fidelity.com/) - [News Releases](https://newsroom.fidelity.com/) - [About Fidelity](https://about.fidelity.com/) - [International](https://www.fidelityinternational.com/) Copyright 1998-2026 FMR LLC. All Rights Reserved. - [Terms of Use](https://www.fidelity.com/terms-of-use) - [Privacy](https://www.fidelity.com/privacy/overview) - [Security](https://www.fidelity.com/security/overview) - [Site Map](https://www.fidelity.com/sitemap/overview) - [Accessibility](https://www.fidelity.com/accessibility/overview) - [Contact Us](https://www.fidelity.com/customer-service/contact-us) , (Opens in a new window) - [Share Your Screen](https://www.fidelity.com/viewpoints/retirement/catch-up-contributions) - [Disclosures](https://communications.fidelity.com/information/crs/) , (Opens in a new window) - [Manage My Targeting/Advertising Cookies](https://www.fidelity.com/viewpoints/retirement/catch-up-contributions) [This is for persons in the US only.](https://www.fidelity.com/terms-of-use#For) Privacy Settings When you visit our website, it may store or retrieve information on your browser, mostly in the form of cookies. Because we respect your right to privacy, you can choose not to allow some types of cookies. Click on the different category headings to find out more and change our default settings. However, blocking some types of cookies may impact your experience on this site and the services we are able to offer. * Strictly Necessary Cookies These cookies are necessary for this website to function and cannot be switched off in our systems. You can set your browser to block or alert you about these cookies, but if you block these cookies, some parts of the site will not work. These cookies do not store any personally identifiable information. * Performance Cookies These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance. * Functional Cookies These cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies then some or all of these services may not function properly. * Targeting or Advertising Cookies These cookies help us present relevant online advertising and marketing messages to you, and measure the effectiveness of our advertising and marketing campaigns. These cookies may be placed on your device by us or by our third-party advertising providers. When these cookies have been placed on your device, they can be recognized by certain advertising platforms used by other websites you visit, and this allows us to present our advertisements to you on those third party websites. While targeting cookies can identify you when you visit different websites, the information collected is anonymous. They do not store personal information, but are based on uniquely identifying your browser and device. If you do not allow these cookies, our online advertisements that you see may be less relevant to you. *** Cancel Save Close dialog ## close virtual assistant close Fidelity Virtual Assistant menu ## Menu - Important Information ![](data:image/png;base64,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) Welcome to the Fidelity Assistant\! Start typing and we'll suggest a few topics for you. You can also enter a simple question or phrase, and we'll offer our best answer. Ready? Let's get started. [Important information](https://www.fidelity.com/viewpoints/retirement/catch-up-contributions) ![](data:image/png;base64,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) To get your conversation started, type a question in the entry field or choose from one of the following popular topics and commonly asked questions. - What are the eligibility requirements and contribution limits for catch-up contributions in retirement savings plans? - How can I verify my 401k contributions and catch-up contributions? - What is a health savings account (HSA) catch-up contribution? Provide Feedback answers will appear above the text input Submit message
Readable Markdown	The notion that turning age 50 means starting to slow down is likely a young person's opinion. People who have hit "the big five-oh" know better. The prospect of retiring is getting closer, and there's a lot of living ahead. So it's important to ensure you have the money to live the life you've planned. Fortunately, the federal government recognizes that people approaching retirement age often need to pick up the pace to ensure they have saved enough for retirement. The tax code provides "catch-up" savings opportunities so that people age 50 and older can increase their tax-advantaged contributions to IRAs, 401(k)s, and HSAs (starting at age 55). Taking advantage of catch-up contributions can deliver a significant boost to your retirement saving. For example, if you turn 50 this year and put an extra \$1,100 into your IRA at the beginning of each year for the next 20 years, and it earns an average return of 7% a year, you could have just over \$48,000 more in your account than someone who didn't take advantage of the catch-up.1 And the impact can be even greater for a 401(k) or similar plan, where the catch-up contribution opportunity is larger. Ready to start catching up with your retirement savings? Here's how: ### 1\. Know if your retirement saving is on track Are you on track to cover essential expenses in retirement? The first step is to find out how your savings—and savings rate—stack up. To get an indication of how prepared you really are, get your [Fidelity Retirement ScoreSM](https://www.fidelity.com/calculators-tools/fidelity-retirement-score-tool "Fidelity Retirement ScoreSM"). It takes about 60 seconds to answer 6 simple questions. Whatever your score or your age, you can take some simple steps to stay on track or improve your retirement readiness. [Fidelity Retirement ScoreSM](https://www.fidelity.com/calculators-tools/fidelity-retirement-score-tool "Fidelity Retirement ScoreSM") can show you how adjustments to monthly savings, investment style, and other factors could impact your preparedness. Tip: Want a more in-depth analysis of your retirement readiness? Visit Fidelity's [Planning & Guidance Center](https://www.fidelity.com/calculators-tools/planning-guidance-center). ### 2\. Make the most of catch-up provisions Once you reach age 50, catch-up provisions in the tax code allow you to increase your tax-advantaged savings in several types of retirement accounts. For a traditional or Roth IRA, the annual catch-up amount in 2025 is \$1,000 and in 2026 is \$1,100, which boosts your total contribution potential to IRAs to \$8,000 and \$8,600. If you participate in a 401(k), Roth 401(k), 403(b), or similar workplace retirement savings plan, the catch-up opportunity is even greater. The standard catch-up amount for people age 50+ is \$8,000 in 2026 (up from \$7,500 in 2025): This makes the total catch-up limit in 2026 for people age 50+ to be \$32,500 (\$8,000 + the base \$24,500 limit, up from \$31,000 in 2025). For people age 60-63, there is an enhanced \$11,250 “super catch-up,” replacing the \$8,000, provided your plan offers this SECURE 2.0 provision: That makes the total catch-up limit in 2026 for people age 60-63 to be \$35,750 (\$11,250 + the base \$24,500 limit, up from \$32,500 in 2025). The SECURE 2.0 Act of 2022 introduced new requirements for high earners: Starting this year, in 2026, if you earned at least \$150,000 in 2025, all catch-up contributions at age 50 or older will need to be made to a Roth account in after-tax dollars. Individuals earning less than \$150,000, adjusted for inflation going forward, will be exempt from the Roth requirement. Participants in retirement accounts designed for self-employed individuals and small businesses can also take advantage of catch-up contributions: - For a SIMPLE IRA: The annual catch-up amount in 2025 was \$3,500 for those people age 50-59 and 64+. For those age 60-63, the catch-up was \$5,250. For 2026, the catch-up for those age 50-59 and 64+ is \$4,000 and for those age 50-59 and 64+, \$5,250. For companies with 25 for fewer employees or with 26-100 employees, provided they offer a 4% matching contribution or 3% non-elective contribution, employees may contribute 110% of the 2024 catch-up amount, which is \$3,850, for both 2025 and 2026. This is instead of, not on top of, the regular catch-up amount. - For a SE401(k), the annual catch-up amount in 2026 for people age 50-59 and 64+ is \$8,000 (up from \$7,500 in 2025): This makes the total catch-up limit in 2026 for people in this age group to be \$31,500 (\$8,000 + the base \$23,500 limit, up from \$31,000 in 2025). For people age 60-63, there is an enhanced \$11,250 “super catch-up,” replacing the \$7,500, provided your plan offers this provision: That makes the total catch-up limit in 2026 for people in this age group to be \$35,750 (\$11,250 + the base \$24,500 limit). ### 3\. Harness the power of tax-advantaged accounts Even if you're on track with your retirement savings, tax-advantaged accounts are attractive long-term investment vehicles and tax-efficient planning tools. With traditional IRAs or 401(k)s, contributions reduce your taxable income in the current year, as long as you are eligible, though withdrawals are taxable.2 These traditional accounts also offer tax-deferred compounding. With Roth IRAs, you pay taxes up front but qualified withdrawals are tax-free when you reach age 59½, assuming certain conditions are met.3 Roth IRAs offer the potential for tax-free compounding. Tip: [Compare IRA options](https://www.fidelity.com/retirement-ira/ira-comparison)—traditional or Roth—to see which might be right for you. If your employer offers a high-deductible health care plan (HDHP) with an HSA, you may want to consider electing the HDHP and opening an HSA. HSAs have a unique triple tax advantage4 that can make them a powerful savings vehicle for qualified medical expenses in current and future years: Contributions, earnings, and withdrawals are tax-free for federal tax purposes. To make the most of your HSA (if you have access to one and you can afford it), you may want to consider paying for current-year qualified medical expenses out of pocket, and letting your HSA contributions remain invested in your HSA. That way, the money has the potential to grow tax-free5 and be used to pay for future qualified medical expenses, including those in retirement. If you don't reimburse medical expenses in the current year, keep your receipts. You may reimburse yourself for past year expenses, as long as you incurred your qualified medical expense after you established your HSA. For more on HSAs, read Viewpoints on Fidelity.com: [5 ways HSAs can fortify your retirement](https://www.fidelity.com/viewpoints/wealth-management/hsas-and-your-retirement) Tip: Learn more about HSAs and consider [opening a Fidelity HSA](https://www.fidelity.com/go/hsa/why-hsa). Since HSAs are portable, you can [transfer account balances](https://www.fidelity.com/learning-center/smart-money/hsa-rollover) in HSAs from any of your previous employers to a Fidelity HSA.3 ### 4\. Invest for the future While regular contributions to tax-advantaged retirement accounts may help keep you on track to reach your retirement savings goal, your investment mix (asset allocation) is an important factor too. Consider whether investing a significant portion of your savings in a mix of US and international stocks and stock mutual funds may help you reach your long-term savings goals, since stocks have historically outperformed bonds and cash over the long term. You may want to think about gradually reducing the percentage of investments that you allocate to stocks as you get older. Employees who receive company stock through equity compensation plans should consider that in determining asset allocation and concentrated stock position risk. Whatever your projected retirement date, your goal should be to have a portfolio with exposure to various types of investments that can provide the opportunity for growth and the potential to outpace inflation, along with investments that offer some degree of risk-reducing diversification. Of course, stocks come with more ups and downs than bonds or cash, so you need to be comfortable with those risks. You should always make sure that your investment mix reflects your time horizon, tolerance for risk, and financial situation. ### Goal: Enjoy retirement As you plan for the day you retire, taking full advantage of tax-advantaged savings accounts, including catch-up provisions, may help you arrive in a significantly stronger position to enjoy the retirement lifestyle you envision.
Shard	93 (laksa)
Root Hash	17952695050214760493
Unparsed URL	com,fidelity!www,/viewpoints/retirement/catch-up-contributions s443