IRS announces 2027 401(k) contribution limits, raises savings cap: What it means for your money

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The IRS has announced new retirement account contribution limits for 2027. In its release on Thursday, the agency increased the 401(k) employee deferral limit to $25,500 next year, up from $24,500 in 2026. The change applies to 401(k)s, 403(b)s and most 457 plans, along with the federal Thrift Savings Plan. The IRS also unveiled 2027 catch-up contribution limits for savers age 50 and older, new individual retirement account savings limits and higher income thresholds for Roth IRA contributions. Starting in 2027, the 401(k) catch-up contribution limit will rise to $8,500 for savers 50 and older, up from $8,000 in 2026. But investors aged 60 to 63 can instead save an extra $11,750, based on changes enacted via Secure 2.0 .