Utilities

IRS retirement & HSA contribution limits for a person/year

Returns the contribution limits that apply to a given person in a given year: the §402(g) elective-deferral limit and the age-appropriate catch-up (auto-selecting the SECURE 2.0 ages-60-63 super catch-up), the IRA limit, the §415(c) annual-additions ceiling, SIMPLE and SEP limits, and the HSA limit — each capped at compensation where applicable. Also flags the SECURE 2.0 §603 Roth catch-up mandate. Year-keyed IRS tables. Deterministic.

post/v1/contribution-limits

Request

  • Base URL: https://api.numeratica.com
  • URL: https://api.numeratica.com/v1/contribution-limits
  • Auth: one of:
    • HTTP bearer
    • API key in header X-API-Key

Request body

tax_year2025 | 2026 required
ageinteger required
compensationnumber required

Earned income / plan compensation; caps the contribution maxima.

prior_year_wagesnumber

Optional. Prior-year FICA wages, for the SECURE 2.0 §603 Roth catch-up mandate (2026+).

hsa_coverage'none' | 'self' | 'family'
elective_deferral_ytdnumber

Optional. 401(k)-type deferrals so far this year, for remaining headroom.

ira_contribution_ytdnumber
hsa_contribution_ytdnumber
employer_match_ratenumber

Optional. Employer matches this fraction of employee deferrals (e.g. 0.5).

employer_match_cap_pctnumber

Match applies up to this fraction of compensation (e.g. 0.06).

Example request

{
  "tax_year": 2026,
  "age": 62,
  "compensation": 250000
}

Response

Applicable contribution limits

result_idstring
engine_versionstring
disclaimerstring

Example response

{
  "result_id": "cl_1a2b3c4d5e6f7a8b",
  "engine_version": "contribution-limits-1.0.0",
  "inputs": {
    "tax_year": 2026,
    "age": 62,
    "compensation": 250000
  }
}

Changes

No recorded changes to this operation across all 1 revision of this API.