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2027 Tax & Retirement Limits.

Projected 2027 federal tax brackets, retirement contribution limits, and key financial numbers based on expected inflation adjustments.
⚠️ These are projected estimates based on expected ~3% inflation adjustments from confirmed 2026 IRS limits. Official 2027 limits have not yet been announced by the IRS. Use these figures for planning purposes only. Check IRS.gov for official announcements, typically released in October/November 2026.
See also: 2026 Official Limits 2027 Projected
2027 Federal Tax Brackets
Projected tax bracket tables for all filing statuses — Single, Married Filing Jointly, Head of Household. ~3% inflation adjustment from 2026 brackets.
7 brackets: 10% – 37% (projected)
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2027 Roth IRA Limits
Projected contribution limits and income phase-out ranges. The $7,000 base limit is likely to remain stable unless the IRS triggers a $500 increase.
$7,000 / $8,000 (50+) projected
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2027 401(k) Limits
Projected employee deferral limits, employer match maximums, and catch-up contributions with ~3% inflation adjustment from 2026.
~$24,000 / ~$31,500 (50+) projected
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2027 Standard Deduction
Projected standard deduction amounts by filing status, with annual inflation adjustment applied to 2026 confirmed figures.
~$15,400 Single / ~$30,800 MFJ projected
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2027 Capital Gains Tax Rates
Projected long-term capital gains brackets with inflation-adjusted income thresholds. Rates of 0%, 15%, 20%, and 3.8% NIIT are set by statute and will not change.
0% / 15% / 20% + 3.8% NIIT
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2027 HSA Contribution Limits
Projected HSA limits, HDHP minimum deductibles, and maximum out-of-pocket amounts with ~3% inflation adjustment from 2026.
~$4,400 Self / ~$8,800 Family projected
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2027 FICA Tax Rates
FICA tax rates are set by statute and will not change. The Social Security wage base is projected to increase ~3% from $176,100.
SS Wage Base: ~$181,500 projected
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2027 Social Security Benefits
Projected COLA adjustment, maximum benefits at ages 62/FRA/70, and earnings test thresholds for 2027.
~2.5% COLA projected
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2027 Medicare Premiums
Projected Part B standard premium, IRMAA surcharges by income, and Part A deductibles for 2027.
Part B: ~$190/mo standard projected
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2027 Estate & Gift Tax
Projected estate tax exemption and annual gift exclusion. Note: the TCJA exemption sunset may reduce these significantly post-2025 law changes.
~$14.4M exemption / ~$19,500 gift projected
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