2027 TSP Contribution Limits
Updated · 2026 figures official · 2027 figures projected until the agency publishes
Projected 2027 Thrift Savings Plan elective deferral and catch-up limits, including the SECURE 2.0 higher catch-up for ages 60-63.
The 2027 TSP contribution limit is projected at $25,500 for employee contributions, traditional and Roth combined. At age 50 and older, a catch-up of $8,500 raises it to $34,000; in the years you turn 60 to 63, a higher catch-up of $11,750 raises it to $37,250. 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 |
|---|---|---|---|
| 401(k) / 403(b) / TSP elective deferral limitPer employee, all elective deferrals combined | $24,500 | $25,500 | Projected |
| 457(b) deferral limit (state/local government and tax-exempt plans)Per participant | $24,500 | $25,500 | Projected |
| Catch-up contribution, age 50+ (401(k)/403(b)/457/SARSEP)Per employee aged 50 or over by year-end | $8,000 | $8,500 | Projected |
| Higher catch-up, ages 60–63 (SECURE 2.0 §109)Per employee who attains age 60–63 during the year; replaces the age-50 catch-up in those years | $11,250 | $11,750 | Projected |
| Roth catch-up wage threshold (catch-ups must be Roth above it)Prior-year FICA wages: 2025 wages over the 2026 figure make 2026 catch-ups Roth; 2026 wages over the 2027 figure make 2027 catch-ups Roth | $150,000 | $155,000 | 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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The TSP is a 401(k) with a federal paycheck attached — the withdrawal-tax question is exactly the same one. QuantCalc runs your whole retirement — withdrawals, taxes, Medicare surcharges — year by year, on 2026 and 2027 figures.
Run the free tax-aware simulation →How this figure is set
Set under IRC §402(g)(1),(4). Indexed to CPI-U (CUUR0000SA0), Q3 average. increase rounded down to the next lowest $500 Base $15,000 grown by the ratio of the Q3-2026 CPI-U average to the Q3-2005 average; the increase rounds down to a $500 step. The unrounded central figure sits close to the $25,500 step edge, so the low end of the band stays at $25,000 — this is the least settled projection on the page (IRS Notice 2025-67, retrieved 2026-09-19)
Common questions
What is the TSP contribution limit for 2027?
The 2027 TSP elective deferral limit is $25,500 (projected until the agency announces it), for traditional and Roth TSP contributions combined. It was $24,500 in 2026.
What is the maximum TSP contribution for 2027 with catch-up?
$34,000 for an employee aged 50 or over (projected until the agency announces it): the elective deferral limit plus the age-50+ catch-up. Employees who turn 60 to 63 in 2027 use the higher catch-up instead; the summary at the top of this page gives that total.
Are the 2027 employer plan elective deferrals, catch-up contributions 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 — CPI-U (CUUR0000SA0), Q3 average, increase rounded down to the next lowest $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 TSP contribution limits be announced?
The IRS publishes the official 2027 TSP 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 §402(g)(1),(4). Indexed to CPI-U (CUUR0000SA0), Q3 average. increase rounded down to the next lowest $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 catch-up contributions (ages 50+ and 60–63) → 2027 401(k) contribution limits → 2027 403(b) contribution limits → 2027 457(b) contribution limits → 2026 figures: TSP limits (official) →
Every figure here with its status and source: JSON. QuantCalc is calculation software, not tax advice.