US Personal Finance, Rates & Wealth Hub
Actionable macroeconomic data, statutory retirement contribution thresholds, and quantitative financial terminals tailored for US households, solo founders, and enterprise finance teams. Sourced directly from FRED, the Federal Reserve, IRS, and BLS.
2026/2027 US Retirement & Tax Thresholds
Elective employee salary deferral limit. $32,500 total limit for taxpayers age 50 and over (includes $8,000 standard catch-up).
Annual contribution limit across all IRAs combined. $8,500 for age 50+. Income phaseouts apply for Roth contributions.
2027 Social Security wage base (FICA cap). HSA self-only limit: $4,400; Family: $8,750 (with qualifying HDHP).
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Curated Guides for US Readers
Frequently Asked Questions for US Taxpayers & Savers
What are the 2026/2027 401(k) and IRA contribution limits? ▼
For 2026/2027, the employee elective deferral limit for 401(k), 403(b), and most 457 plans is $24,500 ($32,500 for those aged 50 and older). The annual limit for Traditional and Roth IRAs is $7,500 ($8,500 with age 50+ catch-up).
How does the Federal Reserve target rate affect credit card APRs? ▼
Credit cards operate on variable APRs tied directly to the US Prime Rate, which floats exactly 300 basis points above the upper bound of the Federal Funds target range. When the Fed moves rates, credit card issuers adjust APRs within 1 to 2 billing cycles.
How much self-employment tax do US 1099 independent contractors pay? ▼
Self-employed individuals pay 15.3% on net earnings up to the Social Security wage base ($192,300 for 2027), consisting of 12.4% OASDI and 2.9% Medicare. Half of the SE tax is deductible from adjusted gross income on IRS Form 1040.
What is the current HSA contribution limit for High Deductible Health Plans? ▼
For 2026/2027, the Health Savings Account (HSA) contribution limit is $4,400 for self-only coverage and $8,750 for family coverage, with an additional $1,000 catch-up allowance for account holders aged 55 and older.