2027 Retirement Plan Contribution Limits

All 2027 IRS retirement plan limits — 401k, IRA, Roth IRA, HSA, SEP-IRA, Solo 401k, SIMPLE IRA. With catch-up contributions 50+ and 60-63.

How It Works

Standard time-value-of-money calculation. Compounding annually at stated rate. Pre-tax and post-tax shown.

All IRS limits indexed annually for inflation. Use most recent year. Catch-up contributions for 50+ and new 60-63 super catch-up under SECURE 2.0.

Max tax-advantaged accounts first (401k match → HSA → Roth IRA → 401k). Then taxable brokerage. Bonds/CDs for stable yield component.

Forgetting employer match (free money). Holding tax-inefficient funds in taxable. Withdrawing early (penalties). Not rebalancing.

Source: irs.gov Cost of Living Adjustments 2027. Last updated: May 2026.