2027 Contribution Limits
The 2027 contribution limits are now finalized, and many retirement plans will see higher thresholds in the year ahead.
Retirement Accounts / Plans
2027
2026
Change
IRAs & Roth IRAs:
Over Age 50 Catch-up Contributions:
$7,500
$1,100
$7,500
$1,100
$0
$0
SEP IRAs:
$75,000
$72,000
$3,000
SIMPLE IRAs:
Ages 50+ Catch-up Contributions:
Ages 60 to 63 Catch-up Contributions:
$17,500
$4,000
$5,250
$17,000
$4,000
$5,250
$500
$0
$0
Elective Deferrals to 401(k), 403(b), and 457 Plans:
$25,500
$24,500
$1,000
Ages 50+ Catch-up Contributions:
Ages 60 to 63 Catch-up Contributions:
$8,500
$11,750
$8,000
$11,250
$500
$500
Total Defined Contribution Plan:
(e.g. 401(k), 403(b), ESOP, PSP)
$75,000
$72,000
$3,000
Total (Including 50+ Catch-up Contributions):
Total (Including 60 to 63 Catch-up Contributions):
$83,500
$86,750
$80,000
$83,250
$3,500
$3,500
Total Defined Benefit Plan Annual Benefit Limit:
(e.g. Cash Balance, Money Purchase, Traditional DB)
$300,000
$290,000
$10,000
Health Savings / Flexible Spending Accounts
2027
2026
Change
Health Savings Account (HSA) (Single):
Health Savings Account (HSA) (Family):
Over Age 55 Catch-up Contributions:
$4,500
$9,000
$1,000
$4,400
$8,750
$1,000
$100
$250
$0
Health Flexible Spending Account (FSA):
Highly Compensated Employee Salary:
Annual Maximum Compensation Limit:
Social Security Taxable Wage Base:
$3,500
$170,000
$375,000
$192,300
$3,400
$160,000
$360,000
$184,500
$100
$10,000
$15,000
$7,800