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GOBankingRates
GOBankingRates
Cara Danielle Brown

How To Handle the New 401(k) Rule That Goes Into Effect in 2026

Andrew Latham IRS
Douglas Rissing / Getty Images

In 2026, a new IRS rule will reshape 401(k) plan contributions for millions of workers. Originally a part of the SECURE 2.0 Act of 2022, the rule alters how high-income Americans can save for retirement — particularly as it pertains to catch-up contributions.

Here are all the details you need to know about how the new rule affects your 401(k) plan.

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