FreeDailyPro Calculators

converters_401k

Read-onlyIdempotent

401(k) projection with the 2026 IRS contribution limits

Input Schema

Name	Required	Description
`age`	No	Your age. Used to pick the 2026 IRS employee limit ($24,500; plus $8,000 catch-up at 50-59 and 64+, $11,250 at 60-63). Without it the base limit is used.
`years`	Yes
`startDate`	No	Optional date the first contribution year starts, as YYYY-MM-DD. Adds startDate and endDate (when the projection ends). It only labels the plan; the amounts do not change.
`applyIrsLimit`	No	true caps annualContribution at the IRS limit for your age. Default false: the contribution is used as sent and a warning is returned if it is over the limit.
`currentBalance`	Yes
`employerMatchPct`	No	Employer match as a percent of your own contribution (50 = 50 cents per dollar).
`expectedReturnPct`	No
`annualContribution`	Yes

Schema Changelog

Changes observed during successful MCP inspections.

Changed3 schema fields changedOct 30, 2026

addedInput schema / properties / age

Added value: +{
+  "description": "Your age. Used to pick the 2026 IRS employee limit ($24,500; plus $8,000 catch-up at 50-59 and 64+, $11,250 at 60-63). Without it the base limit is used.",
+  "type": "number"
+}

addedInput schema / properties / applyIrsLimit

Added value: +{
+  "description": "true caps annualContribution at the IRS limit for your age. Default false: the contribution is used as sent and a warning is returned if it is over the limit.",
+  "type": "boolean"
+}

addedInput schema / properties / employerMatchPct / description

Added value: +"Employer match as a percent of your own contribution (50 = 50 cents per dollar)."

Changed1 schema field changedOct 28, 2026

addedInput schema / properties / startDate

Added value: +{
+  "description": "Optional date the first contribution year starts, as YYYY-MM-DD. Adds startDate and endDate (when the projection ends). It only labels the plan; the amounts do not change.",
+  "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
+  "type": "string"
+}

First observedOct 24, 2026

TDQS

C2.9/5.0

Behavior3/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already declare this as read-only, idempotent, non-destructive, and closed-world, so the safety profile is clear. The description adds the 2026 IRS limit context but does not explain important behavior such as default contribution handling, warning behavior when over limits, or the projection output shape.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is compact and front-loaded with no wasted words. However, for an 8-parameter projection tool without an output schema, it is arguably undersized and lacks structure around key behavior.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness2/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

The tool has 8 parameters, 3 required fields, 50% schema coverage, and no output schema, yet the description is only a short phrase. It does not explain projection mechanics, required inputs, defaults, or return values, leaving important context gaps.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters2/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is only 50%, and the description itself adds no parameter-level meaning. Several parameters, including required ones like currentBalance, annualContribution, and years, are left for the schema alone to define.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly identifies a 401(k) projection and adds the relevant 2026 IRS contribution-limit context. It does not explicitly differentiate itself from nearby converter/calculator siblings such as converters_rmd or calculate_compound_interest.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines2/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description gives no explicit guidance on when to use this tool versus alternatives, nor does it state exclusions or prerequisites. The use case is implied by the name and brief phrase, but no real routing guidance is provided.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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