What changed for 2027
2027 Retirement Numbers: What Changed This Year
Every official retirement figure that changes for 2027, added as each agency publishes it. Each one links to what it does to a plan.
2027 at a glance
| Figure | 2026 | 2027 | More |
|---|---|---|---|
| Social Security COLA | 2.8% | 3.6% | What it changes |
| Social Security earnings limit, under full retirement age | $24,480 | $25,560 | What it changes |
| Maximum earnings taxed for Social Security | $184,500 | $192,300 | What it changes |
| Medicare Part B standard premium | $202.90/mo | Expected November | Medicare surcharges |
| 401(k) employee contribution limit | $24,500 | Expected November | IRS |
| IRA contribution limit | $7,500 | Expected November | Backdoor Roth |
| HSA limit, self-only coverage | $4,400 | $4,500 | IRS Rev. Proc. 2026-24 |
| HSA limit, family coverage | $8,750 | $9,000 | IRS Rev. Proc. 2026-24 |
| ACA subsidy cutoff, 1 person (400% of the poverty line) | $62,600 | $63,840 | Health coverage before 65 |
| ACA subsidy cutoff, 2 people | $84,600 | $86,560 | Health coverage before 65 |
Sources: Social Security Administration (COLA fact sheet, October 14, 2026); IRS Revenue Procedure 2026-24 (HSA limits); HHS 2026 poverty guidelines, which set ACA subsidies for 2027 coverage. The app moves to the 2027 figures in the January 2027 update; until then it uses 2026. We check these publications every week: how the numbers stay current.
This year's posts
Coming up
- 401(k), IRA and tax brackets for 2027IRS · late Oct – Nov
- Medicare Part B premium and income surcharge (IRMAA) bracketsCMS · November
See your own plan with this year's figures. The app is free to use, needs no account, and nothing leaves your browser.
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