This server has a remotely hosted endpoint. Open its connector listing for connection details, authentication requirements, and setup instructions:
An MCP server that gives an AI assistant the official 401(k), 403(b), 457(b), IRA, SIMPLE and HSA contribution limits for 2025, 2026 and 2027, the SECURE 2.0 age 60-63 super catch-up and Roth catch-up rule, and the 2027 Social Security COLA, wage base and earnings test. Limits the IRS has not announced yet are reported as not published, never guessed.
Hosted endpoint, no sign-in and no token:
https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcpTool | What it does |
| 401(k)/403(b)/TSP and 457(b) deferral, age 50+ catch-up, age 60-63 super catch-up, IRA and IRA catch-up, SIMPLE, 415(c) total, 401(a)(17) compensation limit, HCE threshold, Roth IRA phase-outs, HSA self/family, and the Social Security wage base, by year and account. |
| The most one person can put in for a year from age, plans held and wages. Applies the right catch-up tier, the shared 402(g) limit, the separate 457(b) limit, the HSA 55+ catch-up, the compensation cap and the Roth catch-up wage test. |
| COLA, taxable maximum (wage base), retirement earnings test limits, quarter of coverage, SGA and SSI amounts for 2025, 2026 and 2027. |
| Every figure for two years side by side with the dollar and percent change. |
Every result has structured JSON, a plain-English summary, as_of, source (the irs.gov or SSA document) and more (a paycheck calculator on statewage.com).
Related MCP server: Offramp MCP Server
2026 limits (IRS Notice 2025-67): 401(k) $24,500, catch-up $8,000, age 60-63 catch-up $11,250, IRA $7,500 plus $1,100 at 50+, 415(c) $72,000, compensation limit $360,000.
2027 HSA limits (Rev. Proc. 2026-24): $4,500 self-only and $9,000 family, plus the $1,000 catch-up at 55.
2027 Social Security (SSA notice, Federal Register Oct. 26, 2026): COLA 3.6%, wage base $192,300, earnings test $25,560 under full retirement age and $67,920 in the year you reach it.
The age 60-63 catch-up applies only if you are 60, 61, 62 or 63 on December 31. At 64 you drop back to the regular catch-up.
Roth catch-up rule: from 2026, if your prior-year FICA wages from the employer were over $150,000, catch-ups must be Roth. The final regulations apply from 2027 (IR-2025-91).
The IRS had not announced the 2027 401(k), IRA or SIMPLE limits on 2026-11-02. The tools say so and point to 2026.
Add a custom connector and paste the URL. No token is needed.
https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcpclaude mcp add --transport http retirement-limits https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcpOr run it locally:
claude mcp add retirement-limits -- npx -y github:theluckystrike/retirement-contribution-limits-2027-mcpAdd this to claude_desktop_config.json:
{
"mcpServers": {
"retirement-limits": {
"command": "npx",
"args": ["-y", "github:theluckystrike/retirement-contribution-limits-2027-mcp"]
}
}
}Add this to ~/.cursor/mcp.json:
{
"mcpServers": {
"retirement-limits": {
"url": "https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp"
}
}
}Add this to .vscode/mcp.json:
{
"servers": {
"retirement-limits": {
"type": "http",
"url": "https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp"
}
}
}Node 20 or newer is needed for the local npx version.
"What is the 401k limit for 2026, and has the IRS announced 2027 yet?"
"I turn 61 this year and have a 401(k), an IRA and a family HSA. What is the most I can contribute in 2026?"
"I earned $180,000 in FICA wages last year. Do my 2026 catch-up contributions have to be Roth?"
"What is the Social Security COLA for 2027 and the new wage base?"
"How much can I earn in 2027 before Social Security withholds benefits if I am 64?"
"Compare the HSA limits for 2026 and 2027."
Every figure comes from irs.gov or SSA's official Federal Register notice, fetched on 2026-11-02: IRS Notices 2024-80 and 2025-67, Rev. Procs. 2024-25, 2025-19 and 2026-24, Pub. 969, IR-2025-91, and SSA's "Cost-of-Living Increase and Other Determinations" notices for 2025, 2026 and 2027. See DATA_SOURCES.md.
General information, not tax advice. Your plan can be stricter than the law (many plans do not offer the age 60-63 catch-up).
2027 401(k), IRA, SIMPLE, 415(c) and HCE limits were not published on 2026-11-02. They will be added when the IRS announces them.
Not covered: the 403(b) 15-year catch-up, the 457(b) final-three-years catch-up, employer contribution formulas, IRA deduction phase-outs and Roth IRA partial-contribution math.
The maximum Social Security benefit at full retirement age is left out: it is on SSA's fact sheet, which could not be fetched from this build host.
Paycheck calculators for people: 401(k) paycheck calculator, HSA paycheck calculator and Social Security tax calculator on statewage.com.
Part of the Zovo MCP collection: https://mcp.zovo.one
npm install
npm run build
npm testsrc/core.ts holds all the figures and rules and has no I/O. src/stdio.ts is the local entry and src/worker.ts is the Cloudflare Worker entry. Both use the same tool registry in src/tools.ts.
MIT
Each one is free, needs no API key and has a hosted URL you can paste into Claude or ChatGPT.
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lookup_ingredient_nutrition, calculate_recipe_nutrition, round_nutrition_label, scale_recipe_nutrition |
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calculate_section_179, calculate_bonus_depreciation, get_vehicle_depreciation_limits, calculate_asset_loan_payment |
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The paid back-office collection (invoices, VAT, PDFs, spreadsheets) is at https://mcp.zovo.one
Current source-cited 2026 US tax constants and calculators for AI agents; every answer cites IRS.
US federal 2026 tax brackets, standard deductions, payroll and retirement limits, sourced.
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44 calculators for AI agents: US tax, finance, business + an MCP engineering & security suite.
