How to read this page. Every figure is the federal maximum for the calendar year shown, taken from the IRS notice or revenue procedure that set it and from the Social Security Administration's annual announcement. "Age 50+" and "Ages 60 to 63" totals already include the catch-up. Ages are measured at December 31 of the year. Plan documents, compensation, testing results and state law can lower what an individual may actually contribute, so treat these as ceilings, not targets, and confirm your own numbers with your advisor before funding.