For purposes of age determination, the IRS includes January 1 as part of the previous year. So if you were born on January 1, 1962, the IRS considers you to be 64 years old for 2025, which means you would only be eligible for the $7500 catch-up contribution for 2025 and not the "super catch-up" contribution of $11,250.
For determination of your age, the IRS defers to your Social Security records. Here is a link to the Social Security website that talks of age determination: Social Security Age Determination
On the plus side, that means that you will be considered to be 65 when you file your 2026 taxes which means you will get the increased standard deduction, plus the up to $6000 senior deduction (for years 2025 to 2029).
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