Retirement Contribution Limits 2027

Returns official IRS contribution limits for 2025, 2026 and 2027: 401(k)/403(b)/TSP and 457(b) elective deferral ($24,500 for 2026), age 50+ catch-up ($8,000 for 2026), the SECURE 2.0 age 60-63 super catch-up ($11,250), IRA limit and catch-up ($7,500 + $1,100 for 2026), SIMPLE limits, 415(c) total ($72,000), 401(a)(17) compensation limit, highly compensated employee threshold, Roth IRA phase-outs, HSA self/family limits (2027: $4,500 / $9,000, Rev. Proc. 2026-24) and the Social Security wage base (2027: $192,300). Also states the Roth catch-up rule status. Figures copied from IRS Notices 2024-80 and 2025-67 and the HSA Rev. Procs. 2027 plan and IRA limits were not yet announced on 2026-11-02 and the tool says so instead of guessing.

{
  "type": "object",
  "properties": {
    "year": {
      "type": "integer",
      "minimum": 2025,
      "maximum": 2027,
      "description": "Calendar year: 2025, 2026 or 2027."
    },
    "account": {
      "type": "string",
      "enum": [
        "all",
        "401k",
        "403b",
        "457b",
        "tsp",
        "simple",
        "ira",
        "roth_ira",
        "hsa",
        "415c",
        "hce",
        "social_security"
      ],
      "description": "Which limits: all (default), 401k, 403b, 457b, tsp, simple, ira, roth_ira, hsa, 415c, hce, social_security."
    }
  },
  "required": [
    "year"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Calculates the most a person can contribute for a year given age (on Dec. 31), plans held (401k, 403b, 457b, tsp, simple, ira, hsa_self, hsa_family) and optional wages. Applies the age 50+ catch-up, the SECURE 2.0 age 60-63 super catch-up (eligible only if age 60, 61, 62 or 63 at year end; 64 drops back), the HSA $1,000 catch-up at 55, the shared 402(g) limit across 401(k)/403(b)/TSP/SIMPLE, the separate 457(b) limit, and the compensation cap. With prior_year_fica_wages it tells whether catch-ups must be Roth under SECURE 2.0 section 603 (2026: over $150,000 of 2025 FICA wages).

{
  "type": "object",
  "properties": {
    "age": {
      "type": "integer",
      "minimum": 14,
      "maximum": 120,
      "description": "Age on December 31 of the year."
    },
    "year": {
      "type": "integer",
      "minimum": 2025,
      "maximum": 2027,
      "description": "Calendar year: 2025, 2026 or 2027."
    },
    "plans": {
      "type": "array",
      "items": {
        "type": "string",
        "enum": [
          "401k",
          "403b",
          "457b",
          "tsp",
          "simple",
          "ira",
          "hsa_self",
          "hsa_family"
        ]
      },
      "minItems": 1,
      "maxItems": 8,
      "description": "Plans the person contributes to, e.g. [\"401k\",\"ira\",\"hsa_family\"]."
    },
    "wages": {
      "type": "number",
      "minimum": 0,
      "maximum": 1000000000,
      "description": "Compensation for the year in USD, used to cap deferrals and IRA contributions."
    },
    "prior_year_fica_wages": {
      "type": "number",
      "minimum": 0,
      "maximum": 1000000000,
      "description": "Prior-year FICA wages (W-2 box 3) from the plan sponsor, for the Roth catch-up rule."
    },
    "plan_offers_super_catch_up": {
      "type": "boolean",
      "description": "False if the employer plan does not offer the age 60-63 catch-up. Default true."
    },
    "simple_higher_limits": {
      "type": "boolean",
      "description": "True if the SIMPLE plan uses the higher small-employer limits."
    }
  },
  "required": [
    "age",
    "year",
    "plans"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Returns the Social Security cost-of-living adjustment and related figures from SSA's official annual notice in the Federal Register: 2027 COLA 3.6% (announced October 2026), 2027 taxable maximum (wage base) $192,300, retirement earnings test limits ($25,560 under full retirement age, $67,920 in the year you reach it, for 2027), quarter of coverage, SGA amounts and SSI federal payment. Covers 2025, 2026 and 2027.

{
  "type": "object",
  "properties": {
    "year": {
      "type": "integer",
      "minimum": 2025,
      "maximum": 2027,
      "description": "Calendar year: 2025, 2026 or 2027."
    }
  },
  "required": [
    "year"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Shows each retirement, IRA, HSA and Social Security figure for two years side by side with the dollar and percent change: 401(k) deferral, catch-ups, 415(c), compensation limit, HCE threshold, SIMPLE, IRA, Roth catch-up threshold, HSA, wage base, earnings test and COLA. Items the IRS has not yet published (2027 plan limits on 2026-11-02) come back as null, never estimated.

{
  "type": "object",
  "properties": {
    "from_year": {
      "type": "integer",
      "minimum": 2025,
      "maximum": 2027,
      "description": "Calendar year: 2025, 2026 or 2027."
    },
    "to_year": {
      "$ref": "#/properties/from_year"
    }
  },
  "required": [
    "from_year",
    "to_year"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}