2027 contribution limits
The IRS has not published the 2027 retirement limits yet (expected in November). HSA limits are official; the rest follow the CPI formula the IRS uses and are Milliman's projection, marked projected until the notice lands.
$25,500401(k) / 403(b) / TSP, 2027 (proj.)
$8,000catch-up at 50
$11,250super catch-up, 60–63
$7,500IRA
$4,500 / $9,000HSA self / family (official)
| Limit | 2025 | 2026 | 2027 | Status |
|---|---|---|---|---|
| 401(k), 403(b), most 457 and TSP employee deferral | $23,500 | $24,500 | $25,500 | projected |
| Catch-up, age 50+ | $7,500 | $8,000 | $8,000 | projected |
| Super catch-up, age 60–63 (SECURE 2.0) | $11,250 | $11,250 | $11,250 | projected |
| IRA contribution (traditional + Roth) | $7,000 | $7,500 | $7,500 | projected |
| IRA catch-up, age 50+ | $1,000 | $1,100 | $1,100 | projected |
| SIMPLE IRA deferral | $16,500 | $17,000 | $17,500 | projected |
| SIMPLE catch-up, age 50+ | $3,500 | $4,000 | $4,000 | projected |
| Total annual additions, defined contribution (415(c)) | $70,000 | $72,000 | $75,000 | projected |
| Annual benefit, defined benefit (415(b)) | $280,000 | $290,000 | $300,000 | projected |
| Compensation limit (401(a)(17)) | $350,000 | $360,000 | $375,000 | projected |
| Highly compensated employee threshold | $160,000 | $160,000 | $165,000 | projected |
| Key employee (top-heavy) officer threshold | $230,000 | $235,000 | $245,000 | projected |
| SEP minimum compensation | $750 | $800 | $800 | projected |
| HSA, self-only | $4,300 | $4,400 | $4,500 | official |
| HSA, family | $8,550 | $8,750 | $9,000 | official |
| HSA catch-up, age 55+ | $1,000 | $1,000 | $1,000 | official |
| HDHP minimum deductible, self-only / family | $1,650 | $1,700 | $1,750 | official |
| HDHP out-of-pocket max, self-only | $8,300 | $8,500 | $8,750 | official |
| HDHP out-of-pocket max, family | $16,600 | $17,000 | $17,500 | official |
| Health FSA | $3,300 | $3,400 | $3,500 | projected |
| Roth IRA income phase-out, single (start) | $150,000 | $153,000 | $157,000 | projected |
| Roth IRA income phase-out, married filing jointly (start) | $236,000 | $242,000 | $248,000 | projected |
| Saver's credit income cap, married filing jointly | $79,000 | $80,000 | $82,000 | projected |
- From 2026, catch-up contributions by anyone who earned more than $150,000 in FICA wages the prior year (indexed) must be Roth; plans had to be ready by January 1, 2026.
- The age 60–63 super catch-up replaces (not adds to) the regular catch-up in those years.
- HSA figures for 2027 are official (Rev. Proc. 2026-24). Everything else is a projection from the CPI math the IRS uses, and will be replaced the day the notice is issued.
Sources: IRS Notice 2025-67 (2026 limits) · IRS Rev. Proc. 2026-24 (2027 HSA limits) · Milliman 2027 IRS limits forecast.
The most you can shelter in 2027
IRA counts for everyone with earned income (deductibility and Roth eligibility phase out by income).
Result
$0
your own contributions across every account
$0workplace plan incl. catch-up
$0IRA
$0HSA
$0with the employer match