401(k) and IRA limits for 2027: what changed

By Retiree Toolkit. Checked against the sources on November 12, 2026. 3 minute read.

The IRS has set the 2027 limits for retirement accounts. The short version: you can put $1,000 more into a 401(k) than in 2026, and the IRA limit has not moved.

401(k), 403(b), governmental 457 and the Thrift Savings Plan

The employee limit goes from $24,500 to $25,500. The same figure applies to all four types of plan.

Catch-up contributions

If you are 50 or older you can put in more. The catch-up limit rises from $8,000 to $8,500, so the IRS puts the total for someone 50 or older at $34,000 for 2027.

There is a higher catch-up for four specific ages: 60, 61, 62 and 63. For 2027 it is $11,750, up from $11,250, and it replaces the $8,500 for those years. At 64 you are back to the ordinary catch-up.

IRAs: no change

The limit on IRA contributions stays at $7,500. The catch-up for people 50 and older stays at $1,100, which makes $8,600 in all.

Roth IRA income ranges moved up

The amount you can put into a Roth IRA phases out as your income rises, and those income ranges did go up. For single filers and heads of household the range is $158,000 to $173,000, up from $153,000 to $168,000. For married couples filing jointly it is $250,000 to $260,000, up from $242,000 to $252,000.

SIMPLE plans and HSAs

The SIMPLE retirement account limit rises from $17,000 to $17,500. Health savings accounts are set separately: $4,500 for self-only coverage and $9,000 for family coverage in 2027, up from $4,400 and $8,750.

See what the new limits do for you

The 401(k) calculator and the Roth IRA calculator both hold your contributions to the 2027 limits for your age. The full tables are on the contribution limits page.