Understanding the New Roth Catch-Up Rule for High-Wage Earners

Oct 29, 2025

1 min read

Starting January 1, 2026, a significant change takes effect for workplace retirement plan participants age 50 or older who earned more than $145,000 in the prior year: any catch-up contributions to a 401(k) or 403(b) must be made as Roth (after-tax) contributions. This requirement comes via the SECURE Act 2.0.

This article explains what the change means, who it applies to, and how it might influence your retirement savings strategy.

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