2027 401(k) Contribution Limits
Short answer: For 2027, the employee 401(k) elective deferral limit is $25,500 (up from $24,500 in 2026). Workers age 50–59 or 64+ can contribute up to $34,000, and workers age 60–63 can contribute up to $37,250 (IRS Notice 2026-66 / IR-2026-136, published November 12, 2026).
2027 vs. 2026 Official IRS Limits
| Category | 2026 Limit | 2027 Official Limit |
|---|---|---|
| Employee elective deferral (402(g)) | $24,500 | $25,500 |
| Age 50+ catch-up (50–59 & 64+) | $8,000 ($32,500 total) | $8,500 ($34,000 total) |
| Ages 60–63 super catch-up | $11,250 ($35,750 total) | $11,750 ($37,250 total) |
| Section 415(c) total additions (excl. catch-up) | $72,000 | $75,000 |
| IRA contribution limit (context only) | — | $7,500 |
Section 415(c) Total Additions Limit ($75,000)
The combined limit for employee elective deferrals, employer matching contributions, profit-sharing, and after-tax non-Roth contributions is $75,000 in 2027. Catch-up contributions do not count toward the 415(c) cap, so total additions can reach $83,500 at age 50+ or $86,750 at ages 60–63.