2026 Roth catch-up check (one employee)

Decides, per employee, whether 2026 catch-up must be coded Roth and what the per-payroll amount is

Coding verdict for 2026—
2026 catch-up limit for this age—USD
Maximum elective deferral in 2026—USD
Catch-up that must be coded Roth—USD
Roth catch-up per remaining pay run—USD
Catch-up the employee cannot make at all—USD
Election above the 2026 catch-up limit—USD
Plan-wide catch-up needing the Roth code—USD
2026 Roth catch-up gate
Applies the 150,000 prior-year FICA wage test from Notice 2025-67 to one employee at a time, using 2025 W-2 Box 3 wages from this employer only.
Age 60-63 super catch-up
Uses the 11,250 limit that replaces the 8,000 catch-up for ages 60 through 63 instead of stacking on top of it.
Per-payroll Roth amount
Divides the Roth catch-up across the pay runs left in 2026 so the deduction code can be set before the next run.
Over-limit warning
CSV roster export (paid)
Writes every employee you checked to a CSV the payroll vendor can map to the designated Roth source.
Pay-run alert (paid)
Re-checks before each 2026 pay run so a mid-year raise crossing the threshold does not go unnoticed.

Open full tool → getreadystack.com