---
title: "Retrieve contribution limits"
method: GET
path: "/contribution-limits"
tags: ["Contribution Limits"]
---

# Retrieve contribution limits

`GET /contribution-limits`

## Request

- Base URL: `https://bo-api.drivewealth.io/back-office`
- URL: `https://bo-api.drivewealth.io/back-office/contribution-limits`
- Auth: HTTP bearer

Retrieves standard contribution limits and age-based catch-up parameters for Traditional IRAs, Roth IRAs, and Trump Accounts for a given tax year.

Traditional and Roth IRAs share one combined limit: a client holding both has a single allowance across the two, not the full limit in each.

## Query parameters

- `taxYear` integer

## Response `200`

Retrieving contribution limits was successful.

- ContributionLimitsResponse: Standard contribution limits and catch-up parameters for a given tax year.
  - `taxYear` integer: The tax year the returned limits apply to.
  - `contributionLimits` ContributionLimits: Container for per-account-family contribution limits.
    - `ira` IraContributionLimit: Combined limit governing Traditional and Roth IRAs. The limit is shared across both account types, not applied separately to each.
      - `accountTypes` string[]: Account types governed by this combined limit.
      - `standardLimit` number: Base annual limit, shared across all listed account types.
      - `catchUpAge` integer: Age at which the catch-up allowance becomes available.
      - `catchUpAllowance` number: Additional amount permitted once catchUpAge is met.
      - `maximumAllowedLimit` number: The maximum allowed limit: standardLimit plus catchUpAllowance.
      - `note` string: Clarification of the combined-limit behavior.
    - `trumpAccount` TrumpAccountContributionLimit: Limit governing Trump Accounts. No catch-up allowance applies.
      - `accountTypes` string[]: Account types governed by this limit.
      - `standardLimit` number: Base annual limit.
      - `maximumAge` integer: Oldest age at which contributions are permitted.
      - `maximumAllowedLimit` number: Ceiling for the account. No catch-up applies.
      - `contributionTypes` TrumpAccountContributionType[]: Per-contribution-type rules. Two of the five types consume the annual limit; the remaining three are permitted regardless of remaining headroom.
        - `contributionType` 'SEC_128_EMPLOYER' | 'OTHER_SOURCE' | 'QUALIFIED_ROLLOVER' | 'PILOT_PROGRAM' | 'QUALIFIED_GENERAL': The funding source this rule applies to.
        - `description` string: Plain-language description of the funding source.
        - `subLimit` object, nullable: Cap specific to this contribution type, expressed in account currency, along with usage against that cap. Null when no type-specific cap applies.
          - `cumulativeAmount` number, double: Total amount contributed toward this sub-limit so far for the tax year.
          - `limitApplied` number, double: The sub-limit cap applied to this contribution type.
          - `remainingAllowance` number, double: Remaining allowance before the sub-limit is reached.
          - `isLimitReached` boolean: Whether the sub-limit has been reached.
        - `countsTowardLimit` boolean: Whether contributions of this type consume the standardLimit.
        - `note` string: Optional additional context. Present only where extra clarification is needed.

## Other responses

- `400`: Bad Request

---

[API](https://skmtc.dev/drivewealth/apis/money-movement-apis.md) - [All operations](https://skmtc.dev/drivewealth/apis/money-movement-apis/llms.txt) - [OpenAPI document](https://skmtc.dev/drivewealth/apis/money-movement-apis/revisions/c94fbd154054?raw)