Quick Answer (Projected): The 2027 401(k) employee deferral limit is projected at approximately ~$24,000 (under 50) and ~$31,500 (age 50–59 or 64+), with a super catch-up of approximately ~$35,750 for ages 60–63.
Employee Contribution Limits (Projected)
| Age Group | 2027 Projected | 2026 Confirmed |
|---|---|---|
| Under age 50 | ~$24,000 | $23,500 |
| Age 50–59 or 64+ | ~$31,500 | $31,000 |
| Age 60–63 (Super Catch-Up) | ~$35,750 | $34,750 |
Total Annual Addition Limits — 415 Limit (Projected)
| Category | 2027 Projected | 2026 Confirmed |
|---|---|---|
| Total additions (employee + employer, under 50) | ~$72,000 | $70,000 |
| Total additions (employee + employer, 50+) | ~$79,500 | $77,500 |
| Compensation limit for calculation | ~$360,000 | $350,000 |
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Open 401(k) Calculator →Key Notes for 2027
Super Catch-Up (Ages 60–63): The enhanced catch-up provision for ages 60–63 introduced in 2026 (SECURE 2.0) continues in 2027. The limit is projected to increase with inflation adjustments.
Roth 401(k): Roth 401(k) contributions share the same deferral limits as traditional 401(k) contributions. No income limits apply to Roth 401(k) contributions.
See Confirmed 2026 Limits: For official IRS-published figures, see our 2026 401(k) Limits page.