2027 Contribution Limits
As you plan for the year ahead, staying informed about retirement plan contribution limits is an important part of managing your company's retirement benefits.
The 2027 contribution limits provide an opportunity to review your plan, communicate important updates to employees, and help participants make informed decisions about their retirement savings.
Explore the 2027 retirement plan contribution limits below and consider sharing this resource with your employees as they prepare for the new year.
The following limits are changing for 2027:
| 2027 | 2026 |
Maximum Contributions (401k/403b/457) | $25,500 | $24,000 |
Maximum Catch-Up—Age 50+ (401k/403b/457) | $8,500 | $8,000 |
Super Catch-Up—Age 60-63 | $11,750 | $11,250 |
Defined Contribution Limit | $75,000 | $72,000 |
Compensation | $375,000 | $360,000 |
Taxable Wage Base | $192,300 | $184,500 |
Highly Compensated Employee (HCE) | $170,000 | $160,000 |
Key Employee/Officer | $245,000 | $235,000 |
Defined Benefit Limit | $300,000 | $290,000 |
SIMPLE | $17,500 | $16,700 |
SIMPLE Catch-Up—Age 50+ | $4,000 | $4,000 |
SIMPLE Super Catch-Up—Age 60-63 | $5,250 | $5,250 |
IRA Contribution Limit | $7,500 | $7,500 |
IRA Catch-Up—Age 50+ | $1,100 | $1,100 |
Review the full list of contribution limit changes below and share with your plan participants.
Northeast Retirement Plan Advisors
Larry Kavanaugh, Jr. CPFA, CLU, ChFC
950-A Union Rd.
Suite 31
Buffalo, NY 14224
716.674.6200x237
716.674.7000
Securities and advisory services offered through LPL Financial a registered investment advisor, Member FINRA/SIPC.
This information was developed as a general guide to educate plan sponsors and is not intended as authoritative guidance or tax/legal advice. Each plan has unique requirements, and you should consult your attorney or tax advisor for guidance on your specific situation.
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