2027 Retirement Account Limits Rise: 401(k) Edges Up to $25,500, IRA to $8,000
The IRS has released projected inflation-adjusted contribution limits for 2027. Workers can save up to $25,500 in 401(k)/403(b) plans and $8,000 in traditional or Roth IRAs, reflecting annual cost-of-living increases.
Based on third-quarter inflation data now available, the IRS has projected the 2027 retirement-account contribution limits. These limits will be officially confirmed in late October or early November 2026, but the IRS's preliminary figures give savers time to plan.
Key 2027 Projected Limits
- 401(k)/403(b)/457 employee deferrals: $25,500 (up $1,000 from 2026's $24,500)
- Age 50+ catch-up contributions: $8,000 (unchanged)
- Ages 60–63 super catch-up: ~$11,750 (new SECURE 2.0 enhancement, up from $11,250)
- Traditional and Roth IRA limits: $8,000 combined (up from 2026's $7,500)
- SEP-IRA and Solo 401(k) limits: $75,000 (up from $72,000)
- SIMPLE IRA/401(k): $17,500 (up from $17,000)
These adjustments reflect inflation indexing required by federal law. If you work in the United States or contribute to a US retirement plan as an expat, these higher limits could mean more pretax (or Roth) savings capacity in 2027. If you're self-employed or have side income, the SEP-IRA and Solo 401(k) increases may be especially valuable. Start planning how to maximize these increases before year-end, especially if your employer offers a 401(k) match or if you're catching up for retirement.
Sources
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