2027 planning figures, as they're published.
Every January, the limits and thresholds your software and your clients rely on change. This page tracks each 2027 release from the IRS, SSA, CMS and HHS: what's out, what's coming, and when. Every figure links to its primary source.
2026 vs. 2027
The ten figures people ask about most. The full cited set (brackets, IRMAA tiers, phase-outs, RMD tables and state figures) is in the Rule Sets feed.
| Figure | 2026 | 2027 |
|---|---|---|
| 401(k)/403(b)/457(b)/TSP elective deferral limit (under age 50) | $24,500 | Awaiting IRS (Early to mid-November 2026) |
| 401(k)/403(b)/457(b) catch-up contribution (age 50+) | $8,000 | Awaiting IRS (Early to mid-November 2026) |
| Traditional/Roth IRA contribution limit (under age 50) | $7,500 | Awaiting IRS (Early to mid-November 2026) |
| HSA contribution limit (self-only coverage) | $4,400 | $4,500 |
| HSA contribution limit (family coverage) | $8,750 | $9,000 |
| Social Security taxable maximum (OASDI contribution and benefit base) | $184,500 | Awaiting SSA (Mid-October 2026, with the September CPI) |
| Social Security cost-of-living adjustment (COLA) | 2.8% | Awaiting SSA (Mid-October 2026, with the September CPI) |
| Standard deduction (Single) | $16,100 | Awaiting IRS (October to November 2026) |
| Standard deduction (Married Filing Jointly) | $32,200 | Awaiting IRS (October to November 2026) |
| Annual gift tax exclusion (per donee) | $19,000 | Awaiting IRS (October to November 2026) |
Who publishes what, and when
- IRS · Rev. Proc. 2026-24
HSA contribution limits; high-deductible health plan deductibles and out-of-pocket maximums
Published May 29, 2026Primary source · in the feed - SSA · 2027 COLA and fact sheet
Cost-of-living adjustment, taxable wage base, earnings-test limits, maximum benefit
Expected: Mid-October 2026, with the September CPI - IRS · Rev. Proc. (2027 inflation adjustments)
Income-tax brackets, standard deduction, capital-gains breakpoints, AMT, estate and gift exclusions
Expected: October to November 2026 - IRS · Notice (2027 retirement-plan limits)
401(k), 403(b), 457 and IRA limits, catch-up contributions, SIMPLE and compensation limits
Expected: Early to mid-November 2026 - CMS · 2027 Medicare Parts A & B premiums and deductibles
Part B standard premium and deductible, Part A deductible, IRMAA income tiers
Expected: November 2026 - HHS · 2027 Poverty Guidelines
Federal poverty levels (48 states, Alaska, Hawaii)
Expected: January 2027
Expected dates follow each agency's usual schedule and can move. Informational only; not tax, legal or financial advice.
Need every 2027 figure in your software?
Rule Sets serves each figure with its citation over an API and an MCP server, updated as the agencies publish. Paid plans from $49/month include every federal and state figure.
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