Each year, the Internal Revenue Service (IRS) establishes limits on TDA contributions. However, certain individuals may be eligible to make additional contributions—called "catch-up" contributions. For members aged 50 or older, the IRS limits on "catch-up" contributions in 2026 are as follows:

• Age 50-59: $8,000
• Age 60-63: $11,250
• Age 64 and up: $8,000
• If you have 15 years of qualifying City employment (and you have contributed an average of $5,000 or less per year): You may contribute up to an additional $3,000 per year in "catch-up" contributions, up to a total of $15,000 over your lifetime.

Starting in 2026, members aged 50 and older who have earned more than $145,000 in Social Security wages the prior year will be required to make any age-based catch-up contributions on an after-tax (Roth) basis.