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 2025 are as follows:

• Age 50-59: $7,500
• Age 60-63: $11,250
• Age 64 and up: $7,500
• 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.