457 Special Catch-Up

In the 3 years before normal retirement age, 457(b) plans allow contributions up to 2x the regular limit — so long as you underutilized prior-year limits.

Inputs

Regular 457 limit ($)

Total underutilized amount from prior years ($)

Years of catch-up remaining (max 3)

Expected annual return (%)

Years until withdrawal

Results

Allowed annual catch-up contribution

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Maximum total over catch-up period

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Projected FV at withdrawal

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Catch-up vs regular advantage

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Special 457 catch-up: up to 2x the regular limit ($47,000 at 2025 limits) per year for the 3 years before normal retirement age, capped by lifetime underutilized amount. Cannot be combined with the age-50 catch-up.