2027 Contribution Limits
Some 2027 limits are already official and others are still weeks away. Here’s where each one stands, next to the 2026 amount you can use until then.
| Limit | 2027 | 2026 | Status |
|---|---|---|---|
| 401(k), 403(b), most 457 plans | Not yet announced | $24,500 | Expected early November 2026 |
| 401(k) catch-up, age 50+ | Not yet announced | $8,000 | Expected early November 2026 |
| IRA | Not yet announced | $7,500 | Expected early November 2026 |
| HSA, self-only coverage | $4,500 | $4,400 | Official (Rev. Proc. 2026-24) |
| HSA, family coverage | $9,000 | $8,750 | Official (Rev. Proc. 2026-24) |
| HSA catch-up, age 55+ | $1,000 | $1,000 | Official (Set by law) |
| HDHP out-of-pocket max, self-only | $8,700 | $8,500 | Official (Rev. Proc. 2026-24) |
| HDHP out-of-pocket max, family | $17,400 | $17,000 | Official (Rev. Proc. 2026-24) |
| Health care FSA | Not yet announced | $3,400 | Expected with the IRS inflation adjustments, October or November 2026 |
| Social Security wage base | Not yet announced | $184,500 | Expected October 14, 2026 |
What’s still coming
- 401(k), 403(b), most 457 plans: expected early November 2026.
- 401(k) catch-up, age 50+: expected early November 2026.
- IRA: expected early November 2026.
- Health care FSA: expected with the IRS inflation adjustments, October or November 2026.
- Social Security wage base: expected October 14, 2026.
We update these tables the day each number is released. In the meantime, see how 401(k) and HSA contributions change your paycheck in our guide to pre-tax deductions or with the paycheck calculator.
Frequently asked questions
What is the HSA contribution limit for 2027?
$4,500 for self-only coverage and $9,000 for family coverage, plus a $1,000 catch-up if you are 55 or older. The IRS announced these in Rev. Proc. 2026-24 on May 29, 2026.
What is the 401(k) limit for 2027?
Not announced yet. The IRS usually releases next year’s 401(k) and IRA limits in early November; the 2026 limits came out on November 13, 2025. For 2026 the limit is $24,500, plus $8,000 in catch-up contributions at 50 or older. We’ll update this page the day the 2027 numbers are out.
When is the 2027 Social Security wage base announced?
On October 14, 2026, together with the 2027 cost-of-living adjustment. For 2026, Social Security tax applies to the first $184,500 of wages.
Should I change my contributions now?
You can plan with the 2026 limits and adjust in January. Many plans let you set a percentage that automatically keeps working as limits rise. If you are close to the maximum, check again once the 2027 limits are official so you don’t miss the extra room.