For owners · The Liquidity Letter
The 2027 Owner Numbers
The limits, thresholds and rates owners plan around, with 2026 official figures next to 2027 forecasts, each labeled with its source.
By James R. Ustby, CFP®. The sheet is the one-pager readers of Before You Sell can download with The Liquidity Letter. You do not have to sign up. Forecast rows are not IRS figures. The 3.49 percent rate for 2027, 2028, and 2029 is scheduled under Senate Bill 257 (Session Law 2026-41) and is subject to a revenue trigger that can reduce the rate further. The sheet will be updated when the IRS publishes 2027 retirement plan limits.
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What readers get
The one-pager, and where to go next.
- Printable PDF, free. The download starts when you click the button. There is no form.
- Official figures and forecasts, labeled. 2026 retirement and tax figures are the published IRS and SSA numbers. 2027 retirement plan rows are third-party forecasts, marked as forecasts, because the IRS had not published those limits when the sheet was updated. The 3.49 percent rate for 2027, 2028, and 2029 is scheduled under Senate Bill 257 (Session Law 2026-41) and is subject to a revenue trigger that can reduce the rate further.
- Use it with your CPA. The sheet is a reference. It does not set your salary, your plan contribution, or the tax on a sale.
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On this site
- Business owner lessons
- Exit Readiness Scorecard
- Before You Sell
- Solo 401(k) contribution limits
- What you keep when you sell
Educational only. Not tax, legal, or investment advice. Downloading the one-pager does not create an advisory relationship. Consult your own CPA, attorney, and advisors about your situation.
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