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2027 Retirement Account Contribution Limits: IRA, 401(k), and 403(b)

The 2027 retirement account contribution limits are $7,500 for IRAs and $25,500 for 401(k)s and 403(b)s, compared with $7,500 and $24,500 in 2026.

For 2027, you can contribute up to $7,500 to a Traditional or Roth IRA and up to $25,500 to a 401(k) or 403(b). Savers 50 and older can add catch-up contributions of $1,100 to an IRA and $8,500 to a 401(k) or 403(b), according to the Internal Revenue Service (IRS).

The IRS announced these limits on November 12, 2026. Limits are adjusted annually for inflation, so it's worth checking your contributions before your first paycheck of 2027.

Key Takeaways

  • The combined Traditional and Roth IRA limit is $7,500 in 2027, the same as in 2026
  • Income ranges for Roth IRA eligibility and Traditional IRA deductions have shifted for 2027.
  • The SEP IRA contribution limit is $75,000 in 2027, compared with $72,000 in 2026.
  • The 401(k) and 403(b) employee contribution limit is $25,500 in 2027, compared with $24,500 in 2026.
  • Catch-up limits for savers 50 and older have also been updated for some accounts, including super catch-up contributions for ages 60 to 63.

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What Are the 2027 Retirement Account Contribution Limits?

Whether you save through work, on your own, or both, here's how much room you have in 2027 compared with 2026.

Limit 2026 2027 Change
Traditional and Roth IRA (combined) $7,500 $7,500 None
IRA catch-up (age 50+) $1,100 $1,100 None
SEP IRA $72,000 $75,000 +$3,000
401(k) and 403(b) employee contributions $24,500 $25,500 +$1,000
401(k) and 403(b) catch-up (age 50+) $8,000 $8,500 +$500
401(k) and 403(b) super catch-up (ages 60–63) $11,250 $11,750 +$500
401(k) and 403(b) combined employee and employer limit $72,000 $75,000 +$3,000

What Is the 2027 IRA Contribution Limit?

The 2027 IRA contribution limit is $7,500, or $8,600 if you're 50 or older.

How Much Can You Contribute to an IRA in 2027 (Traditional or Roth)?

Limit 2026 2027 Change
Annual contribution limit $7,500 $7,500 None
Catch-up contribution (age 50+) $1,100 $1,100 None
Total for savers 50 and older $8,600 $8,600 None

This limit covers what you put into all of your Traditional IRAs and Roth IRAs combined, not each account separately. If you earn less than the limit, your cap is your taxable compensation for the year instead.

What is the 2027 Traditional IRA Deduction Limit?

Generally, anyone with taxable compensation can contribute to a Traditional IRA, but the deduction may be limited if you or your spouse has a workplace plan. These income ranges are updated each year.

Filing status and workplace plan coverage 2026 MAGI phase-out range 2027 MAGI phase-out range
Single or head of household, covered by a workplace plan $81,000 – $91,000 $83,000 – $93,000
Married filing jointly, and you're covered by a workplace plan $129,000 – $149,000 $133,000 – $153,000
Married filing jointly, and you're not covered but your spouse is $242,000 – $252,000 $250,000 – $260,000
Married filing separately, and you're covered by a workplace plan $0 – $10,000 $0 – $10,000

Ranges are MAGI phase-out ranges. Sources: 2026, 2027

Modified adjusted gross income, also known as MAGI, can determine if you are eligible to contribute to certain accounts or get potential tax deductions. If your modified adjusted gross income (MAGI) is below your range, you can generally deduct your full contribution. Inside the range, you may be able to take a partial deduction, and above it, you generally can't deduct your contribution. If neither you nor your spouse has a workplace plan, your contributions are generally deductible at any income.

What is the 2027 Roth IRA Income Limit?

Roth IRA eligibility depends on your filing status and income, and those income ranges have been updated for 2027.

Filing status 2026 MAGI phase-out range 2027 MAGI phase-out range
Single or head of household $153,000 – $168,000 $158,000 – $173,000
Married filing jointly $242,000 – $252,000 $250,000 – $260,000
Married filing separately (if you lived with your spouse during the year) $0 – $10,000 $0 – $10,000

Ranges are MAGI phase-out ranges. Sources: 2026, 2027

If your modified adjusted gross income (MAGI) is below the range for your filing status, you can generally contribute the full limit. If it falls inside the range, you may be able to make a reduced contribution. If it's above the range, you generally can't contribute directly to a Roth IRA for 2027.

What Is the 2027 SEP IRA Contribution Limit?

Limit 2026 2027 Change
Annual contribution limit $72,000 $75,000 +$3,000
Maximum percentage of eligible compensation 25% 25% None
Maximum compensation used in the calculation $360,000 $375,000 +$15,000

Your SEP IRA contribution is the lower of the dollar limit or the percentage of your eligible pay. If you're self-employed, eligible pay is your net earnings from self-employment, minus half of your self-employment tax and your SEP contribution itself.

What is the 2027 401(k) Contribution Limit?

Limit 2026 2027 Change
Employee contribution limit $24,500 $25,500 +$1,000
Catch-up contribution (age 50+) $8,000 $8,500 +$500
Super catch-up contribution (ages 60–63) $11,250 $11,750 +$500
Combined employee and employer limit $72,000 $75,000 +$3,000
Prior-year wage threshold for Roth-only catch-ups $150,000 $155,000 +$5,000

Your Traditional and Roth 401(k) contributions share one employee limit, since the combined amount contributed to all designated Roth accounts and pre-tax accounts can't go over it. Unlike a Roth IRA, a Roth 401(k) has no limits on your income, so if your plan offers a Roth option, you may be able to make Roth contributions at work regardless of your income.

If your plan offers employer matching, those contributions don't count toward your own limit. They count toward the combined limit instead, which covers your own contributions and your employer's, but not catch-up contributions.

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What is the 2027 403(b) Contribution Limit?

Limit 2026 2027 Change
Employee contribution limit $24,500 $25,500 +$1,000
Catch-up contribution (age 50+) $8,000 $8,500 +$500
Super catch-up contribution (ages 60–63) $11,250 $11,750 +$500
Combined employee and employer limit $72,000 $75,000 +$3,000

403(b) limits move in step with 401(k) limits, because the IRS sets one employee limit for 401(k), 403(b), and governmental 457 plans. If you also have a 457(b), it keeps a separate limit, since the shared cap covers plans other than 457 plans.

The 15-year catch-up is open to employees with at least 15 years of service with the same eligible 403(b) employer, if the plan offers it. When you qualify for both catch-ups, extra deferrals are first applied to the 15-year catch-up, then to the age-based one.

How Might the 2027 Limits Affect Your Retirement Contributions?

A few quick checks may help you make the most of the new limits from January.

  1. Review your payroll contribution. If you aim to max out your 401(k) or 403(b), you may want to update your contribution so it reflects the 2027 limit rather than last year's.
  2. Recheck your income ranges. If your income is close to a Roth IRA or Traditional IRA deduction range, consider whether the 2027 ranges change what you can contribute or deduct.
  3. Look at your age in 2027. Turning 50, or turning 60 through 63, during the year could make you eligible for a bigger catch-up contribution, if your plan allows it.
  4. Check your employer match. If your plan offers a match, consider contributing enough to receive it, which can add employer money to your retirement savings, even if you don't max out.
  5. Review your old accounts. It may be easier to plan around the new limits when you can see all your savings in one place.

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What Can You Do With Old 401(k)s and 403(b)s in 2027?

If you've changed jobs, you may have a 401(k) or 403(b) left behind at each one. Each may have its own login and investment options.

PensionBee can help you roll eligible old 401(k)s, 403(b)s, and IRAs into one PensionBee IRA. Many rollovers happen automatically. For those who need extra attention, your US-based account manager, a BeeKeeper, can help coordinate calls with your old provider and assist with the necessary paperwork. 

Eligible rollovers and contributions may also qualify for a 1% match (terms and conditions apply). The 1% match doesn't count toward your annual IRA contribution limit. 

Frequently Asked Questions (FAQs)

What is the IRA contribution limit for 2027?

The combined limit for Traditional and Roth IRAs stays at $7,500 for 2027, the same as in 2026. Savers 50 and older can still add a $1,100 catch-up, also unchanged from 2026.

What is the 401(k) contribution limit for 2027?

The 401(k) employee contribution limit is $25,500 for 2027, compared with $24,500 in 2026. The catch-up for ages 50 and older is $8,500, and the super catch-up for ages 60 to 63 is $11,750.

Are 403(b) contribution limits the same as 401(k) limits in 2027?

Yes. The 403(b) employee limit and catch-up limits match the 401(k) limits, and eligible long-serving employees may also use the 15-year catch-up.

What are the Roth IRA income limits for 2027?

The phase-out range for 2027 is $158,000 to $173,000 for single filers and $250,000 to $260,000 for married couples filing jointly. In 2026, the ranges were $153,000 to $168,000 and $242,000 to $252,000.

What is the SEP IRA contribution limit for 2027?

The SEP IRA limit is $75,000 for 2027, compared with $72,000 in 2026. Your actual contribution is generally the lower of that dollar limit or a percentage of your eligible compensation.

Does my employer match count toward the 2027 401(k) limit?

No, your employer match doesn’t count toward your personal employee limit of $25,500. Employer contributions count toward a separate combined limit, which is $75,000 for 2027, compared with $72,000 in 2026. This combined limit applies to workplace plans such as 401(k)s and 403(b)s. It covers your own contributions, your employer’s match and any other employer contributions. Catch-up contributions and IRA contributions don’t count toward it. 

When do the 2027 contribution limits take effect?

The new 401(k) and 403(b) limits generally apply to contributions made in the calendar year 2027. IRA contributions for the 2027 tax year can generally be made until your tax filing deadline in 2028.

Can I Still Contribute to My IRA for 2026?

Yes. You can make IRA contributions for the 2026 tax year until April 15, 2027. The 2026 limit is $7,500, or $8,600 if you're 50 or older. When you contribute, tell your provider which tax year it's for.

Information contained herein has been obtained from sources considered reliable, but its accuracy and completeness are not guaranteed. It is not intended as the primary basis for financial planning or investment decisions and should not be construed as advice meeting the particular investment needs of any investor. This material has been prepared for information purposes only and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Past performance is no guarantee of future results.

Be Retirement Confident.

Roll over all your old 401(k)s into a PensionBee Individual Retirement Account (IRA). It takes just a few minutes to sign up.

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