Retirement Contribution Limits 2027

retirement-contribution-limits-2027-mcp

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/mcp

Tools

Tool	What it does
get_contribution_limits	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.
calculate_max_contribution	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.
get_social_security_cola	COLA, taxable maximum (wage base), retirement earnings test limits, quarter of coverage, SGA and SSI amounts for 2025, 2026 and 2027.
compare_years	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).

What it knows that your model does not

• 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.

Install

Claude.ai custom connector or ChatGPT developer mode

Add a custom connector and paste the URL. No token is needed.

https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp

Claude Code

claude mcp add --transport http retirement-limits https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp

Or run it locally:

claude mcp add retirement-limits -- npx -y github:theluckystrike/retirement-contribution-limits-2027-mcp

Claude Desktop

Add this to claude_desktop_config.json:

{
  "mcpServers": {
    "retirement-limits": {
      "command": "npx",
      "args": ["-y", "github:theluckystrike/retirement-contribution-limits-2027-mcp"]
    }
  }
}

Cursor

Add this to ~/.cursor/mcp.json:

{
  "mcpServers": {
    "retirement-limits": {
      "url": "https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

VS Code

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.

Example prompts

• "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."

Data sources

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.

Limitations

• 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.

More

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

Development

npm install
npm run build
npm test

src/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.

License

MIT

More data servers from the same author

Each one is free, needs no API key and has a hosted URL you can paste into Claude or ChatGPT.

server	tools	hosted URL
cups-to-grams-mcp	convert_ingredient, search_ingredients, scale_recipe, convert_oven_temperature	https://cups-to-grams-mcp.lipmichal.workers.dev/mcp
dscr-loan-calculator-mcp	calculate_dscr, max_loan_for_target_dscr, rent_needed_for_target_dscr, compare_scenarios, amortization_summary	https://dscr-loan-calculator-mcp.lipmichal.workers.dev/mcp
gold-price-per-gram-mcp	get_gold_price_per_gram, get_metal_prices, calculate_jewelry_value, convert_gold_units	https://gold-price-per-gram-mcp.lipmichal.workers.dev/mcp
lake-level-mcp	search_lakes, get_lake_level, get_lake_history, compare_lakes	https://lake-level-mcp.lipmichal.workers.dev/mcp
minimum-wage-mcp	get_minimum_wage, list_upcoming_increases, compare_states, annual_income_at_minimum_wage	https://minimum-wage-mcp.lipmichal.workers.dev/mcp
no-tax-on-overtime-mcp	calculate_overtime_deduction, calculate_tips_deduction, calculate_senior_deduction, estimate_tax_savings, explain_eligibility	https://no-tax-on-overtime-mcp.lipmichal.workers.dev/mcp
paycheck-calculator-mcp	calculate_take_home_pay, compare_states_take_home, salary_to_hourly, hourly_to_salary, get_federal_tax_brackets	https://paycheck-calculator-mcp.lipmichal.workers.dev/mcp
uk-income-tax-salary-mcp	calculate_uk_take_home, get_uk_tax_bands, compare_salaries, marginal_rate_at_income	https://uk-income-tax-salary-mcp.lipmichal.workers.dev/mcp
us-federal-holidays-business-days-mcp	list_federal_holidays, is_business_day, add_business_days, count_business_days, invoice_due_date	https://us-federal-holidays-business-days-mcp.lipmichal.workers.dev/mcp
ab-test-sample-size-calculator-mcp	calculate_sample_size, estimate_test_duration, test_ab_significance, fisher_exact_test, check_peeking_risk	https://ab-test-sample-size-calculator-mcp.lipmichal.workers.dev/mcp
aca-premium-tax-credit-calculator-mcp	get_federal_poverty_level, calculate_premium_tax_credit, check_subsidy_cliff, get_aptc_repayment_cap	https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp
ap-score-distributions-mcp	get_ap_score_distribution, estimate_ap_percentile, compare_ap_exams, list_ap_exams, estimate_ap_score_from_composite	https://ap-score-distributions-mcp.lipmichal.workers.dev/mcp
car-loan-interest-deduction-calculator-mcp	calculate_car_loan_interest_deduction, calculate_salt_deduction, get_tax_brackets_and_standard_deduction, calculate_child_tax_credit	https://car-loan-interest-deduction-calculator-mcp.lipmichal.workers.dev/mcp
estate-gift-tax-exemption-calculator-mcp	get_exemption_amounts, calculate_estate_tax, check_gift, compare_years	https://estate-gift-tax-exemption-calculator-mcp.lipmichal.workers.dev/mcp
recipe-nutrition-calculator-mcp	lookup_ingredient_nutrition, calculate_recipe_nutrition, round_nutrition_label, scale_recipe_nutrition	https://recipe-nutrition-calculator-mcp.lipmichal.workers.dev/mcp
section-179-deduction-calculator-mcp	calculate_section_179, calculate_bonus_depreciation, get_vehicle_depreciation_limits, calculate_asset_loan_payment	https://section-179-deduction-calculator-mcp.lipmichal.workers.dev/mcp
student-loan-repayment-assistance-plan-calculator-mcp	calculate_rap_payment, compare_rap_vs_standard, get_federal_loan_limits, get_plan_transition_dates	https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp
subdomain-finder-mcp	find_subdomains, resolve_subdomains, get_certificate_history, summarize_attack_surface	https://subdomain-finder-mcp.lipmichal.workers.dev/mcp
uk-statutory-sick-pay-maternity-pay-calculator-mcp	calculate_statutory_sick_pay, calculate_statutory_maternity_pay, get_minimum_wage_rates, check_eligibility	https://uk-statutory-sick-pay-maternity-pay-calculator-mcp.lipmichal.workers.dev/mcp

The paid back-office collection (invoices, VAT, PDFs, spreadsheets) is at https://mcp.zovo.one