The IRS announced your 2027 tax brackets on November 5th — standard deduction $16,600, child credit $2,300 — but the retirement limits weren't in that release. The good news: the 401(k) number is already locked in by the inflation formula, and Milliman's final estimate says $25,500, up from $24,500. In this video, we break down the full projected 2027 table — catch-ups up to $8,500 ($11,750 at ages 60–63), the total cap up to $75,000, the Roth catch-up trap for high earners, what an extra $1,000 a year is really worth over 30 years, and the 3 moves to make before January. Follow US Money Guide for daily money tips!
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Educational content, not financial advice.
