FreeByte

Catch-up contribution calculator

Late-career saving power.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
$
6%

Extra pot from catch-up

$102,425

Total pot from full contributions

$416,527

With these inputs, extra pot from catch-up comes to $102,425 over 10 years. Total pot from full contributions works out to $416,527. The result assumes return stays at 6%.

Extra contributed
$75,000

Over time · by years until retirement

What moves the number · Extra pot from catch-up

Input−10%Now+10%
Catch-up allowance$92,182$102,425$112,667
Years until retirement$89,212$102,425$116,452
Return$99,157$102,425$105,829

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Late-career saving power.

A worked example

Starting figures

Standard limit
$23,000
Catch-up allowance
$7,500
Years until retirement
10
Return
6%

What it returns

Extra pot from catch-up
$102,425
Total pot from full contributions
$416,527
Extra contributed
$75,000

How to read the results

With the defaults above, extra pot from catch-up works out at $102,425.

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