2027 and 2026 Contribution Limits
Every 2026 figure below is official, set by the IRS or by law. A 2027 figure is marked official only once the IRS or the law sets it; until the IRS publishes its notices, the other 2027 figures are our computations from the statutes and inflation data, or are marked not announced, as explained on each linked page.
| Limit | 2027 | 2027 status | 2026 (official) |
|---|---|---|---|
| Retirement accounts | |||
| 401(k), 403(b), 457(b) and TSP employee deferral | $25,500Computed, not yet official | Computed until the IRS publishes its notice | $24,500 |
| Catch-up, age 50 and older | $8,500Computed, not yet official | Computed until the IRS publishes its notice | $8,000 |
| Catch-up, ages 60 to 63 | $11,750Computed, not yet official | Computed until the IRS publishes its notice | $11,250 |
| IRA (traditional and Roth) | $7,500Computed, not yet official | Computed until the IRS publishes its notice | $7,500 |
| IRA catch-up, age 50 and older | $1,100Computed, not yet official | Computed until the IRS publishes its notice | $1,100 |
| SIMPLE IRA | $17,500Computed, not yet official | Computed until the IRS publishes its notice | $17,000 |
| Health accounts | |||
| HSA, self-only coverage | $4,500Official | Official | $4,400 |
| HSA, family coverage | $9,000Official | Official | $8,750 |
| HSA catch-up, age 55 and older | $1,000Official | Official | $1,000 |
| Health FSA | $3,500Computed, not yet official | Computed until the IRS publishes its notice | $3,400 |
| Dependent care FSA, per household | $7,500Official | Official | $7,500 |
| Gifts | |||
| Gift tax annual exclusion, per recipient | $20,000Computed, not yet official | Computed until the IRS publishes its notice | $19,000 |
Income limits, the Roth catch-up wage rule and the other details are on each linked page.