Money in One Chart

where money goes

Someone you love turns 60 soon and does not know this number exists.

For 2026, people aged 60 to 63 can add $11,250 on top of the regular 401(k) limit. Most people in that window have never heard of it.

You asked for the catch-up card. It is below, as the slides from the post, then the one move, then the tool the chart points at.

Slide 1 of 7: Someone you love turns 60 soon and does not know this number exists.Slide 2 of 7: The 2026 catch-up contributions, by age, from the IRS notice.Slide 3 of 7: Between 60 and 63, the total 401(k) room for one year is this much.Slide 4 of 7: The catch-up used to be one flat number, and most people still think it is.Slide 5 of 7: Almost nobody can save $35,000 a year, and the people who can are often in exactly these years.Slide 6 of 7: Two things to check with HR.Slide 7 of 7: Save this, then send it today.

Two things to check with HR.

  1. 01
    Confirm the plan allows the higher catch-up.Not every plan has adopted it yet, and HR will know.
  2. 02
    Set the rate for the four-year window, then reduce it at 64.Put both dates on the calendar now.

The tool this chart points at

A low-fee brokerage

For the IRA, the index fund and the rollover. Broad index funds with expense ratios under 0.1%.

Open it

This link may pay Money in One Chart a referral fee if you open an account. Your price does not change. How that works.

Sources: IRS IR-2025-111, November 13, 2025; IRS IR-2025-111, arithmetic.

All four tools   Back to Instagram