2027 retirement contribution limits
The IRS hasn’t announced every 2027 limit yet. Here is what is published so far, next to the 2026 figure for each one that isn’t. Nothing on this page is an estimate.
| Limit | 2027 | 2026 | Source |
|---|---|---|---|
| Employee contributions, traditional and Roth together | Not yet published | $24,500 | irs.gov/pub/irs-drop/n-25-67.pdf |
| Catch-up, age 50 and over | Not yet published | $8,000 | irs.gov/pub/irs-drop/n-25-67.pdf |
| Catch-up instead, in the years you turn 60 to 63 | Not yet published | $11,250 | irs.gov/pub/irs-drop/n-25-67.pdf |
| Employee plus employer, catch-ups not included | Not yet published | $72,000 | irs.gov/pub/irs-drop/n-25-67.pdf |
| Catch-ups must be Roth above these prior-year FICA wages | Not yet published | $150,000 | irs.gov/pub/irs-drop/n-25-67.pdf |
| Limit | 2027 | 2026 | Source |
|---|---|---|---|
| Contributions, traditional and Roth together | Not yet published | $7,500 | irs.gov/pub/irs-drop/n-25-67.pdf |
| Catch-up, age 50 and over | Not yet published | $1,100 | irs.gov/pub/irs-drop/n-25-67.pdf |
| Limit | 2027 | 2026 | Source |
|---|---|---|---|
| Self-only coverage | $4,500 | $4,400 | irs.gov/pub/irs-drop/rp-26-24.pdf |
| Family coverage | $9,000 | $8,750 | irs.gov/pub/irs-drop/rp-26-24.pdf |
| Catch-up, age 55 and over | $1,000 | $1,000 | irs.gov/publications/p969 |
| Limit | 2027 | 2026 | Source |
|---|---|---|---|
| Wages subject to the 6.2% Social Security tax | $192,300 | $184,500 | ssa.gov/oact/cola/cbb.html |
Questions
What is the 401(k) contribution limit for 2027?
The IRS hasn’t published the 2027 401(k) limit yet, and this page shows it once it has. For 2026 it is $24,500.
What is the 401(k) catch-up for 2027?
The IRS hasn’t published the 2027 401(k) catch-up yet, and this page shows it once it has. For 2026 it is $8,000.
What is the IRA contribution limit for 2027?
The IRS hasn’t published the 2027 IRA limit yet, and this page shows it once it has. For 2026 it is $7,500.
What are the HSA contribution limits for 2027?
$4,500 with self-only coverage and $9,000 with family coverage, plus $1,000 from the year you turn 55, as long as you aren’t enrolled in Medicare.
Work out your own
Other years: 2026
RetirementPace is an educational tool, not financial, tax or legal advice. RetirementPace is not a registered investment adviser.