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
Full version: Export every employee you checked to a CSV for the payroll vendor and set pay-run alerts that re-check the roster before each 2026 run.
$60 once · one licence key per person or team seat · 7-day full refund. ERISA counsel reviewing catch-up payroll coding bills 350-550 per hour; an IRS VCP correction filing adds a 1,500-3,500 user fee by plan assets.
Get the full version — $60
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
Shows how much of an election exceeds the 2026 catch-up limit before it is withheld and has to be refunded.
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.

Get the complete version $60

This page is the working piece. The full pack has everything below.

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

ERISA counsel reviewing catch-up payroll coding bills 350-550 per hour; an IRS VCP correction filing adds a 1,500-3,500 user fee by plan assets.

Buy the full version — $60

Questions people ask

What does this extension actually do?

It answers one payroll question: for a given employee, must their 2026 401(k) catch-up be coded Roth? It applies the 150,000 prior-year FICA wage test, picks the right 2026 catch-up limit for their age, and returns the dollar amount to code Roth and the amount per remaining pay run.

Who is this for?

US payroll administrators, 401(k) plan sponsors and benefits managers who set deferral codes before a pay run. It is built for the person mapping employees to a designated Roth source in ADP, Paychex, Workday or Gusto, not for the employee choosing a contribution rate.

Why not just use a free retirement calculator?

Free calculators size a contribution; they do not decide the Roth-or-pre-tax coding question. That turns on 2025 W-2 Box 3 wages from the sponsoring employer alone, on whether the plan has a designated Roth source, and on the age 60-63 rule that replaces rather than adds to the 8,000 catch-up.

What is free and what needs the key?

Every calculation is free and unlimited, with no watermark and no run limit: verdict, limit, Roth amount, per-pay-run split and over-limit warning. The 60 dollar key adds two things on a different axis, taking the work with you and repeating it: CSV export of the checked roster and alerts before each 2026 pay run.

What would this cost handled by a person?

ERISA counsel reviewing catch-up payroll coding bills roughly 350 to 550 an hour, and a single-employee miscoding that reaches correction adds an IRS Voluntary Correction Program user fee of 1,500 to 3,500 depending on plan assets, before the W-2c and the payroll vendor's rework.

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Free in the browser. The full version is a one-time licence, 7-day refund.

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