Retirement Contribution Limits 2027

io.github.theluckystrike由 GitHub 帳號 theluckystrike 發布v1.0.0更新於 Nov 3, 2026

401(k)、IRA、HSA限額，60-63歲追加繳款，Roth追加繳款規則，社會保障COLA，2025-2027年。

AI 翻譯由 AI 模型根據下方的原文描述翻譯，可能有誤。

原文描述

401(k), IRA, HSA limits, age 60-63 catch-up, Roth catch-up rule, Social Security COLA, 2025-2027.

已驗證Streamable HTTP可網頁執行

概覽

Retirement Contribution Limits 2027 的託管 MCP 服務（retirement-contribution-limits-2027-mcp.lipmichal.workers.dev）；無需登入；Streamable HTTP；4 個工具。

暫無 AI 概覽：以下資訊來自註冊中心條目和服務本身。

端點
retirement-contribution-limits-2027-mcp.lipmichal.workers.dev
最近檢查

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 Retirement Contribution Limits 2027，將其新增到工作區。
  2. 為需要使用其工具的對話啟用該服務。

Web executable，透過 Streamable HTTP。 遠端服務在工作區中設定後即可從網頁執行環境執行。

交給代理程式安裝

把這段提示詞貼上到 Claude Code、Codex、Cursor 等代理程式，或 SourceWeft 對話中。代理程式會讀取該伺服器的安裝指南，先向你展示發布者、端點和登入方式，經你同意後再把它新增到你的客戶端。金鑰不會寫進任何命令。

閱讀 https://sourceweft.com/mcp/io.github.theluckystrike%2Fretirement-contribution-limits-2027-mcp/install.md，並按其中說明把這個 MCP 伺服器接入我的客戶端。修改任何設定之前，先告訴我它的發布者、端點和登入方式，等我確認。不要把 API 金鑰寫進命令或我會提交的檔案；問我金鑰應從哪裡取得。

檢視代理程式所依據的安裝指南

其他 MCP 客戶端

把它新增到你客戶端的 mcpServers 設定中。

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

README

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

ToolWhat it does
get_contribution_limits401(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_contributionThe 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_colaCOLA, taxable maximum (wage base), retirement earnings test limits, quarter of coverage, SGA and SSI amounts for 2025, 2026 and 2027.
compare_yearsEvery 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:

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

Cursor

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

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

VS Code

Add this to .vscode/mcp.json:

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 installnpm run buildnpm 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.

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

來源：README.md，提交 a52849b

工具

4

get_contribution_limits

401(k), IRA, HSA and SIMPLE contribution limits (2025-2027)

Returns official IRS contribution limits for 2025, 2026 and 2027: 401(k)/403(b)/TSP and 457(b) elective deferral ($24,500 for 2026), age 50+ catch-up ($8,000 for 2026), the SECURE 2.0 age 60-63 super catch-up ($11,250), IRA limit and catch-up ($7,500 + $1,100 for 2026), SIMPLE limits, 415(c) total ($72,000), 401(a)(17) compensation limit, highly compensated employee threshold, Roth IRA phase-outs, HSA self/family limits (2027: $4,500 / $9,000, Rev. Proc. 2026-24) and the Social Security wage base (2027: $192,300). Also states the Roth catch-up rule status. Figures copied from IRS Notices 2024-80 and 2025-67 and the HSA Rev. Procs. 2027 plan and IRA limits were not yet announced on 2026-11-02 and the tool says so instead of guessing.

輸入參數year必填account

calculate_max_contribution

Maximum contribution by age, year and plans

Calculates the most a person can contribute for a year given age (on Dec. 31), plans held (401k, 403b, 457b, tsp, simple, ira, hsa_self, hsa_family) and optional wages. Applies the age 50+ catch-up, the SECURE 2.0 age 60-63 super catch-up (eligible only if age 60, 61, 62 or 63 at year end; 64 drops back), the HSA $1,000 catch-up at 55, the shared 402(g) limit across 401(k)/403(b)/TSP/SIMPLE, the separate 457(b) limit, and the compensation cap. With prior_year_fica_wages it tells whether catch-ups must be Roth under SECURE 2.0 section 603 (2026: over $150,000 of 2025 FICA wages).

輸入參數age必填year必填plans必填wagessimple_higher_limitsprior_year_fica_wagesplan_offers_super_catch_up

get_social_security_cola

Social Security COLA, wage base and earnings test

Returns the Social Security cost-of-living adjustment and related figures from SSA's official annual notice in the Federal Register: 2027 COLA 3.6% (announced October 2026), 2027 taxable maximum (wage base) $192,300, retirement earnings test limits ($25,560 under full retirement age, $67,920 in the year you reach it, for 2027), quarter of coverage, SGA amounts and SSI federal payment. Covers 2025, 2026 and 2027.

輸入參數year必填

compare_years

Compare limits between 2025, 2026 and 2027

Shows each retirement, IRA, HSA and Social Security figure for two years side by side with the dollar and percent change: 401(k) deferral, catch-ups, 415(c), compensation limit, HCE threshold, SIMPLE, IRA, Roth catch-up threshold, HSA, wage base, earnings test and COLA. Items the IRS has not yet published (2027 plan limits on 2026-11-02) come back as null, never estimated.

輸入參數to_year必填from_year必填

版本歷史

1
  1. v1.0.0最新Nov 3, 2026

評分

已滿足適用檢查項的 100%

該評分衡量此收錄條目的完整程度，依據註冊中心條目、端點與公開來源計算得出。它不是對伺服器本身的評價，也不表示伺服器安全或目前可用：可連通性是帶日期的檢查結果，評分也不包含安裝量或使用者評價。

  • 近 30 天內可連通必需25 分
  • 已宣告認證方式必需10 分
  • 已列出工具必需15 分
  • 描述必需15 分
  • 圖示10 分
  • 文件15 分
  • 授權條款10 分