2027 401(k) Cap $25,500

The IRS raised the 2027 contribution limit for 401(k) and similar workplace retirement plans to $25,500, up from $24,500, while the annual IRA limit remains $7,500. Most workers aged 50 and older can make an additional $8,500 catch-up contribution; workers aged 60 to 63 can contribute up to $37,250 in total. Roth IRA income phase-out thresholds also increased for 2027.

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