401K contributions. when to start using the EMPLOYEE PRE-TAX CATCH-UP
I did some calculations, and I know that if I set my 401K Pre-tax contributions to 22% I will be just under the maximum amount before needing to use catch-up pre-tax contributions. There are fields for both PRE-TAX and EMPLOYEE PRE-TAX CATCH-UP contributions. Are these two fields additive? Does the catch-up election become effective before you are at the normal maximum?
Posted Feb 21, 2026, 5:39 PM UTC
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