# Catch-Up Contribution

*Retirement & Benefits — Finicade finance glossary*

Catch-up contributions let savers aged 50 and over exceed the normal limit, on the theory that late-career earnings are highest and time is short. They apply to 401(k)s, IRAs and HSAs at different amounts. Recent US rules require high earners to make workplace catch-ups on a Roth basis, which raises current tax but buys tax-free growth — a change that quietly favours anyone with a large pre-tax balance already.

**Also known as:** catch up contributions, age 50 catch-up

**Related terms:** [Contribution Limit](https://finicade.com/glossary/contribution-limit), [401(k)](https://finicade.com/glossary/401k), [Roth IRA](https://finicade.com/glossary/roth-ira), [Health Savings Account (HSA)](https://finicade.com/glossary/health-savings-account), [Replacement Rate](https://finicade.com/glossary/replacement-rate)

Source: https://finicade.com/glossary/catch-up-contribution