Level 1

Question

Unable to get correct Simple IRA Catch-up Contribution: $5,250 (the "super" catch-up for ages 60–63) for 2025.

Forum|Forum|5 months ago
January 27, 2026
3 replies
9 views

Unable to get Simple IRA Catch-up Contribution= $5,250. Lacerte maximum seems to be limited to standard plus 50+ only. $21,750 vs $22,850.

Lacerte Tax

J

Jim60

Level 3

Try checking the check box in the W-2 input under Box 12:

"Elect to apply the increased elective deferral 408(p) SIMPLE plan limits"

B

Brown And Brown CPA Shawn

Level 2

No W-2. Only SE Income is 1065 K-1.

J

Jim60

Level 3

Manually calculate the total deferral and match, and enter in the override box.

Remove all other input in the SIMPLE IRA section so Lacerte doesn't try to calculate it.

The worksheet won't generate, but it is not required.

Kathi_at_Intuit

Moderator

Hi @CPA Shawn Nice to see you in the Community and thanks for posting about the Simple IRA Catch-up Contribution. If it is still not working, we would reach out to Lacerte Support. They would be able to remote in and take a look with you.

**Click the 👍Thumbs up icon to say thanks on a post, and click Best Answer to mark the post that answered your question.

C

ChristiACPA

Level 3

In addition to the catch up amount, there is an additional bonus option of up to $5,000 in addition to the "employer match" for those who are self-employed and/or have under 25 employees (Secure 2.0).

Lacerte does not do a good job of capturing all the Simple IRA deductions.

Also, they show employees who make Simple IRA catchup contributions via wages as possibly having overcontributed and should be included in income. They should have a spot where you indicate they made a catchup contribution.

sjrcpa

Level 15

See Jim60's post above for W-2 employees

The more I know the more I don’t know.

C

ChristiACPA

Level 3

That is for a SE individual. I did the manual calculation and entered it already. My input was so Lacerte could update this section in the future.

And my diagnostic was in response to a W2 employee that had contributed the catchup amount. Thank you.

Sign up

Login with SSO

Let's get you signed in

Login with SSO

Scanning file for viruses.

This file cannot be downloaded