Roth Catch-Up Contributions 2026: What High Earners Need to Know | SW CPAS
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Roth Catch-Up Contributions 2026: What High Earners Need to Know | SW CPAS

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Do high-income employees have to make Roth catch-up contributions in 2026? Yes — if your prior-year FICA wages from your employer exceeded $150,000, the SECURE 2.0 Act now requires that your Roth catchup contributions 2026 be designated as Roth (after-tax) contributions, not pre-tax. Here is everything you need to know before the January 1, 2026…

Roth catch-up contributions, SECURE 2.0 Act, retirement savings, 401k rules, high-income earners, catch-up contributions 2026, retirement planning, Section 603 SECURE Act, post-tax contributions, retirement tax rules

SECURE 2.0 Roth Catch-Up Contributions: Final Rule from IRS

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  Must High-Earners Make Roth Catch-Up Contributions? A key change from the SECURE 2.0 Act is coming. If you earn over $145,000, find out how your retirement catch-up contributions will be affected and what you need to do to prepare. Are you diligently saving for retirement and looking forward to making those extra “catch-up” contributions…