tl;dr: In 2027 you can put $25,500 into a 401(k), up from $24,500. Workers 50 and older can add $8,500 more, and those aged 60 to 63 can add $11,750. The IRA limit stays at $7,500, plus $1,100 if you are 50 or older. Income limits for Roth IRAs rise. Last verified November 14, 2026.
2027 retirement contribution limits
2027 401(k) Contribution Limits
The IRS announced the 2027 limits on November 12, 2026 in Notice 2026-66. They cover 401(k), 403(b), governmental 457 plans and the federal Thrift Savings Plan.
Your age in 2027 | Employee limit | Catch-up | Total |
|---|---|---|---|
Under 50 | $25,500 | None | $25,500 |
50 to 59, or 64 and older | $25,500 | $8,500 | $34,000 |
60 to 63 | $25,500 | $11,750 | $37,250 |
To max out $25,500 you need to contribute $2,125 a month, or about $981 per biweekly paycheck.
In this guide
2027 IRA Contribution Limits
Traditional and Roth IRA: $7,500 combined, unchanged from 2026
Catch-up at 50 or older: $1,100, for a total of $8,600
Monthly pace: $625 a month reaches $7,500
2027 Roth IRA Income Limits
You can contribute the full amount to a Roth IRA below the range, a reduced amount inside it and nothing above it.
Filing status | 2027 phase-out range | 2026 range |
|---|---|---|
Single or head of household | $158,000 to $173,000 | $153,000 to $168,000 |
Married filing jointly | $250,000 to $260,000 | $242,000 to $252,000 |
Married filing separately | $0 to $10,000 | $0 to $10,000 |
New to Roth accounts? Read our Roth IRA guide and try the Roth IRA growth calculator.
2027 Traditional IRA Deduction Limits
Anyone with earned income can contribute to a traditional IRA. Whether you can deduct it depends on your income if a workplace plan covers you or your spouse.
Single, covered by a workplace plan: $83,000 to $93,000
Married filing jointly, contributor covered: $133,000 to $153,000
Married filing jointly, only your spouse covered: $250,000 to $260,000
See our traditional IRA guide and best traditional IRA accounts.
What to Do Before January
Raise your 401(k) percentage so you reach the new limit, and check it against your pay with our 401(k) contribution calculator.
Get the full employer match first. Our 401(k) guide explains how matches work.
Self-employed? A Solo 401(k) uses the same $25,500 employee limit. See our Carry review.
Check your tax bracket. See the 2027 tax brackets to weigh Roth against traditional.
This is general information, not tax or investment advice.
2027 Contribution Limit FAQ
1. What is the 401(k) limit for 2027?
$25,500, up from $24,500 in 2026.
2. What is the 401(k) catch-up for 2027?
$8,500 if you are 50 or older, and $11,750 if you are 60 to 63.
3. What is the IRA limit for 2027?
$7,500, the same as 2026, plus a $1,100 catch-up at 50 or older.
4. What is the Roth IRA income limit for 2027?
Contributions phase out from $158,000 to $173,000 for single filers and from $250,000 to $260,000 for married couples filing jointly.
5. Can I contribute to both a 401(k) and an IRA?
Yes. The limits are separate, though a workplace plan can limit how much of a traditional IRA contribution you can deduct.
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