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Cheat sheet

2027 contribution limits

The IRS limits for HSAs, workplace plans, IRAs and SIMPLE plans, with 2026 next to 2027. Every number comes from an IRS.gov page, linked in each row. If the IRS hasn’t published a 2027 figure yet, we say so and show the 2026 figure. We don’t guess.

Educational only, not financial advice

This page lists published IRS limits for general education, not a recommendation for you. It isn’t financial, tax or legal advice. Your plan’s own rules can be stricter, and eligibility depends on your situation. Check IRS.gov or a qualified professional before you contribute.

Where things stand on November 2, 2026

The 2027 HSA limits are out: the IRS published them in Rev. Proc. 2026-24. The 2027 401(k), IRA and SIMPLE limits are not out yet. The IRS’s own limits table still ends at 2026. Last year’s limits came in IR-2025-111 on Nov. 13, 2025. We’ll update this page when the IRS posts the 2027 figures in its newsroom.

Health Savings Account (HSA)

Limit20262027
Self-only HDHP coverage$4,400IRS source$4,500Up $100 · IRS source
Family HDHP coverage$8,750IRS source$9,000Up $250 · IRS source
Extra if 55 or olderA flat $1,000 in Pub. 969. Rev. Proc. 2026-24 doesn’t change it.$1,000IRS source$1,000No change · IRS source
HDHP minimum deductible, self-only$1,700IRS source$1,750Up $50 · IRS source
HDHP minimum deductible, family$3,400IRS source$3,500Up $100 · IRS source
HDHP out-of-pocket maximum, self-only$8,500IRS source$8,700Up $200 · IRS source
HDHP out-of-pocket maximum, family$17,000IRS source$17,400Up $400 · IRS source

401(k), 403(b), governmental 457 and TSP

Limit20262027
Employee deferral limitPre-tax and Roth deferrals combined.$24,500IRS sourceNot announced yet2026 figure: $24,500
Catch-up, age 50 or older$8,000IRS sourceNot announced yet2026 figure: $8,000
Higher catch-up, ages 60 to 63Replaces the age-50 catch-up for those ages, if the plan allows it.$11,250IRS sourceNot announced yet2026 figure: $11,250
Total defined contribution limit (employee + employer)Section 415(c). Catch-up contributions are on top.$72,000IRS sourceNot announced yet2026 figure: $72,000

Traditional and Roth IRA

Limit20262027
IRA contribution limitShared across all your traditional and Roth IRAs.$7,500IRS sourceNot announced yet2026 figure: $7,500
IRA catch-up, age 50 or olderNow indexed for inflation under SECURE 2.0.$1,100IRS sourceNot announced yet2026 figure: $1,100

SIMPLE IRA and SIMPLE 401(k)

Limit20262027
Employee deferral limit$17,000IRS sourceNot announced yet2026 figure: $17,000
Higher deferral limit in certain SIMPLE plansApplies in some smaller-employer plans under SECURE 2.0.$18,100IRS sourceNot announced yet2026 figure: $18,100
Catch-up, age 50 or older$4,000IRS sourceNot announced yet2026 figure: $4,000
Higher catch-up, ages 60 to 63$5,250IRS sourceNot announced yet2026 figure: $5,250

The Roth catch-up rule for higher earners

Under SECURE 2.0, if you’re 50 or older and your FICA wages from the employer sponsoring your plan were above a set amount the year before, your workplace catch-up contributions generally have to go in as Roth (after-tax) money. For 2026 catch-ups, that amount is $150,000 of 2025 FICA wages, per Notice 2025-67. The threshold for 2027 catch-ups is not announced yet.

The IRS’s final regulations on this rule generally apply starting in 2027, with later dates for some governmental and union plans. Notice 2025-67 leaves SEP and SIMPLE IRA plans out of it. How it works in your plan depends on your plan, so ask your plan administrator. See the IRS’s catch-up contributions page for the details.

Put the limits to work

Comparing where to hold the money? See our HSA provider directory and account comparisons.

Sources

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