2027 IRA Contribution Limits
Updated · 2026 figures official · 2027 figures projected until the agency publishes
Projected 2027 traditional and Roth IRA limits, plus SIMPLE and SEP figures.
The 2027 IRA contribution limit is projected at $7,500 for traditional and Roth IRAs combined, or $8,600 at age 50 and older. The table below has every 2027 figure beside its 2026 value.
Projected The agency has not published 2027 yet. Every 2027 figure below is our projection under the statutory formula (+3.06% C-CPI-U), shown so you can plan before the announcement — and replaced here the day the official number lands.
| Item | 2026 | 2027 | Status |
|---|---|---|---|
| Traditional + Roth IRA contribution limitPer individual, traditional and Roth combined | $7,500 | $7,500 | Projected |
| IRA catch-up contribution, age 50+Per individual aged 50 or over by year-end | $1,100 | $1,100 | Projected |
| IRA limit with age-50+ catch-upPer individual aged 50 or over | $8,600 | $8,600 | Projected |
| SIMPLE elective deferral limitPer employee (standard limit) | $17,000 | $17,500 | Projected |
| Higher SIMPLE deferral limit (SECURE 2.0 §117 eligible employers)Employers of 25 or fewer, or electing employers of 26–100 with the match/contribution bump | $18,100 | $19,100 | Projected |
| SIMPLE catch-up, age 50+Per employee aged 50 or over (standard limit) | $4,000 | $4,000 | Projected |
| Higher SIMPLE catch-up, age 50+ (SECURE 2.0 §117 eligible employers)Per employee aged 50 or over at eligible employers | $3,850 | $3,850 | Projected |
| Higher SIMPLE catch-up, ages 60–63 (SECURE 2.0 §109)Per employee who attains age 60–63 during the year | $5,250 | $5,250 | Projected |
| SEP minimum compensation thresholdEmployee inclusion floor (§408(k)(2)(C)) | $800 | $800 | Projected |
| SEP contribution limit (dollar cap)Lesser of 25% of compensation or the §415(c) dollar limit | $72,000 | $75,000 | Projected |
2026 figures as published by IRS Notice 2025-67 — source, retrieved 2026-09-19. Every figure on this page is read from a dataset at build time; none is typed into the page.
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Traditional or Roth is a tax-rate bet across decades, not a single-year choice. QuantCalc runs your whole retirement — withdrawals, taxes, Medicare surcharges — year by year, on 2026 and 2027 figures.
See what your IRA is worth after tax, year by year in retirement — free planner →How this figure is set
Set under IRC §219(b)(5)(A),(C)(i). Indexed to C-CPI-U (SUUR0000SA0), Sep–Aug 12-month window. adjusted amount rounded down to the next lower $500 Base $5,000 grown by the §1(f)(3) cost-of-living adjustment with a 2007 base year. Because 2007 predates the TCJA switch, the denominator is the 2007 CPI-U window scaled by the 2016 C-CPI-U/CPI-U ratio (§1(f)(3)(A)(ii)+(B)); the result rounds DOWN to $500. The unrounded 2027 figure lands near $7,825 — comfortably inside the $7,500 step at any band point, so the limit projects unchanged (IRS Notice 2025-67, retrieved 2026-09-19)
Common questions
What is the Roth IRA contribution limit for 2027?
$7,500 (projected until the agency announces it), shared with any traditional IRA contributions; the 2026 limit is $7,500. Whether you can contribute to a Roth IRA directly also depends on your income.
What is the IRA catch-up contribution for 2027?
$1,100 for anyone aged 50 or over by the end of 2027 (projected until the agency announces it).
Are the 2027 ira, simple ira / simple 401(k), sep figures final?
No. The agency publishes in the autumn. Until then the 2027 column here is a projection produced by applying the statutory indexing formula — C-CPI-U (SUUR0000SA0), Sep–Aug 12-month window, adjusted amount rounded down to the next lower $500 — to the official 2026 figures, using a +3.06% growth factor. It is labelled as a projection on every row, and this page is regenerated from the dataset the day the official figure lands.
When will the official 2027 IRA contribution limits be announced?
The IRS publishes the official 2027 IRA contribution limits in its annual cost-of-living notice for retirement plans. The 2026 figures came in Notice 2025-67, released on November 13, 2025 (IRS news release IR-2025-111). Until then, the 2027 figures on this page are our projection; the published figures replace them here.
What sets these numbers?
They are set under IRC §219(b)(5)(A),(C)(i). Indexed to C-CPI-U (SUUR0000SA0), Sep–Aug 12-month window. adjusted amount rounded down to the next lower $500 The 2026 figures are taken from the agency's own publication (IRS Notice 2025-67, retrieved 2026-09-19).
What changed from 2026?
The table shows both years side by side so the change is readable directly. Where a row says unchanged, that is a statutory result, not an omission.
Related
2027 Roth IRA income limits → Backdoor Roth calculator → 2026 figures: Roth IRA and IRA limits (official) →
Every figure here with its status and source: JSON. QuantCalc is calculation software, not tax advice.