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New Roth 401(k) Rule for 50+ Workers Delayed to 2026

1/23/2026

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Summary

Story summary

Starting in 2026, workers aged 50+ must contribute catch-up to a Roth 401(k) instead of traditional 401(k).
The change targets those earning over $150,000 who will not receive a tax break.
Under Setting Every Community Up for Retirement Enhancement 2.0 (SECURE 2.0), eligible workers can contribute $8,000 more, bringing the catch-up limit to $32,500.
The change was set for 2024 but postponed to let employers adjust retirement plans.

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Story summary

Starting in 2026, workers aged 50+ must contribute catch-up to a Roth 401(k) instead of traditional 401(k).
The change targets those earning over $150,000 who will not receive a tax break.
Under Setting Every Community Up for Retirement Enhancement 2.0 (SECURE 2.0), eligible workers can contribute $8,000 more, bringing the catch-up limit to $32,500.
The change was set for 2024 but postponed to let employers adjust retirement plans.