Updated 2026-10-10

2027 401(k) Limits (Projected): How to Max Out

Projected 2027 401(k) limits: $25,500 base, $8,500 catch-up, $11,750 for ages 60-63. Not yet official - see per-paycheck math and when the IRS will announce.

Key Takeaways

2026 Quick Reference

$24,500
2026 Deferral Limit
$72,000
Total 415(c) Limit
59½
Penalty-Free Age
73
RMD Start Age

Related Guides

Pavlo Pyskunov

Pavlo Pyskunov

Managing Director & Investment Fund Director

Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.

Last updated: 2026-10-10

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