Updated August 4, 2026. Quick answer: only one set of 2027 retirement and health figures has actually been published so far — the HSA and high-deductible-plan amounts, in Rev. Proc. 2026-24. Everything else on this page is on a watch list with its publisher and its normal window. No figure appears in the 2027 column until we have read the instrument that sets it. That is the whole discipline of this page, and it is why it is shorter than you might expect in August.
Published for 2027
| Figure | 2026 | 2027 | Source read |
|---|---|---|---|
| HSA contribution limit, self-only | $4,400 | $4,500 | Rev. Proc. 2026-24 § 3.01(1) |
| HSA contribution limit, family | $8,750 | $9,000 | Rev. Proc. 2026-24 § 3.01(1) |
| HDHP minimum annual deductible | — | $1,750 self-only / $3,500 family | Rev. Proc. 2026-24 § 3.01(3) |
| HDHP out-of-pocket maximum, self-only | — | $8,700 | Rev. Proc. 2026-24 § 3.01(3) |
Read from the IRS document itself — rp-26-24.pdf — on 2026-08-04, not from a summary. The revenue procedure states, for calendar year 2027, the annual limitation under § 223(b)(2)(A) for self-only coverage is $4,500 and under § 223(b)(2)(B) for family coverage is $9,000. If you are weighing the marginal dollar, the HSA vs Roth IRA calculator prices it.
Not yet published — the watch list
These are the figures that move every year and the pages on this site that consume them. The 2026 value is shown so you can see what is current; the 2027 value is not shown because it does not exist yet.
| Figure | Current (2026) | Publisher | Normal window |
|---|---|---|---|
| Social Security COLA, wage base, earnings test | $184,500 wage base; $24,480 / $65,160 earnings test (2026) | SSA, via the Federal Register | late October to early November |
| Standard deduction, all filing statuses | $16,100 single / $32,200 MFJ / $24,150 HoH (2026) | IRS revenue procedure | typically October |
| Additional standard deduction at 65 | $2,050 single / $1,650 each spouse MFJ (2026) | IRS revenue procedure | typically October |
| Federal estate and gift exclusion | published on our estate-tax pages | IRS revenue procedure | typically October |
| Child tax credit, refundable portion | $1,700 (2026) | IRS revenue procedure | typically October |
| Special-use valuation cap, § 2032A | $1,460,000 (2026) | IRS revenue procedure | typically October |
| Estate-tax deferral 2% portion, § 6601(j) | $1,940,000 (2026) | IRS revenue procedure | typically October |
A window is not a promise. The Social Security window is stated from two observed publication dates (2024-10-25 and 2025-11-03), which is a thin basis and is labelled as one. The IRS windows are unverified against release dates we have read. Anyone planning around a date here should treat it as “watch from”, not “expect on”.
A year of changes is worth one proper look
Reading what changed is the easy half; deciding what to change in response, across the accounts and the timing, is the harder one, and an adviser can go through it with you.
Before you start, what actually happens. The form is run by Kapitalwise, our advisor-matching partner. Kapitalwise sends your details to advisers who pay for the introduction, so expect calls and texts. Clear Money Guide is paid when you submit the form, whether or not you ever hire anyone. This is free to you and there is no obligation to hire anyone.
The Kapitalwise form opens here. You stay on this page.
What happens when you press the button
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How this page updates itself
Behind this page is a machine-readable register of every volatile figure the site publishes — currently 49 figures — recording for each one the figure, the tax year, the instrument that set it, and every page that consumes it. When a new instrument is published, the register is updated once and the pages that carry the figure are located by the register rather than by search.
That matters because the alternative fails quietly. A figure like $24,480 appears in several unrelated contexts across a large site; a naive find-and-replace would rewrite pages that were never about the earnings test. The register records, per figure, how many coincidental matches were rejected — for the standard deduction that number is 62.
Downloadable datasets and the provenance behind our state-law pages are at the datasets page. Statistics pages: the statistics index. Enacted state-law changes for the current year are tracked separately at state tax changes 2026.
What this page will not do
It will not print a projected figure. Inflation-adjusted amounts are computable in advance and several publishers do print estimates in September; those estimates are usually close and occasionally wrong, and a wrong figure in a table that looks official is worse than an empty cell. An empty 2027 cell here means the instrument has not been published, not that we have not looked.
Method: methodology. Mistakes: corrections. Consuming pages include the bracket calculator, the earnings test calculator, estate tax by state and retirement taxes by state.
Before the forward figures, what is already in effect for 2026.
All the numbers, kept current. This page uses 8 figures from our claims register — every figure we track is on one page, each with the year it applies to and a plain statement of what makes it move.
One 2027 change on this list is a rule rather than a number and is already certain; most of the dollar figures are not. Your 2027 numbers sorts them and computes the ones that turn on your own inputs.