Retiree Toolkit

401(k), IRA and HSA contribution limits for 2027

For 2027 you can put up to $25,500 into a 401(k) and $7,500 into an IRA, with more allowed from age 50.

401(k) employee limit$24,500 in 2026$25,500 in 2027401(k) with catch-up at 50$32,500 $34,000 IRA limit$7,500 $7,500 HSA, family coverage$8,750 $9,000

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

Limit20262027
Employee contribution limit$24,500$25,500up $1,000
Catch-up contribution from age 50$8,000$8,500up $500
Catch-up contribution at ages 60, 61, 62 and 63$11,250$11,750up $500

Individual retirement accounts

Limit20262027
IRA contribution limit$7,500$7,500
IRA catch-up contribution from age 50$1,100$1,100

SIMPLE retirement accounts

Limit20262027
Contribution limit$17,000$17,500up $500

Health savings accounts

Limit20262027
Self-only coverage$4,400$4,500up $100
Family coverage$8,750$9,000up $250

How much someone 50 or older can put in a 401(k)

The catch-up amount is added to the regular limit. For 2027 the IRS puts the total for participants aged 50 and older at $34,000 a year. People aged 60, 61, 62 or 63 have a higher catch-up limit of $11,750 in place of the $8,500.

Roth IRA income ranges

The amount you can contribute to a Roth IRA phases out across these income ranges.

Filing status20262027
Single and head of household$153,000 to $168,000$158,000 to $173,000
Married filing jointly$242,000 to $252,000$250,000 to $260,000

Questions people ask

What is the 401(k) limit for 2027?

$25,500, up from $24,500 for 2026.

How much can I contribute to a 401(k) at 50 or older in 2027?

The catch-up limit is $8,500, so generally up to $34,000 in total. At ages 60 to 63 the catch-up limit is $11,750.

What is the IRA contribution limit for 2027?

$7,500, the same as 2026, with a catch-up of $1,100 from age 50.

Check our work

Every figure on this page was read from these official documents. Follow the links and compare.