AnswerLive data

Can Claude look up the 2027 401(k) limits?

Not yet, and no tool can: on November 3, 2026 the IRS had not announced the 2027 401(k) and IRA limits. Claude may still guess a 2027 number from past increases. Connect the free Retirement Contribution Limits server and Claude gets the published limits only. It says plainly when a year is not out, returns the 2026 figures with the age 60 to 63 super catch-up, and already has the 2027 HSA limits, which are published.

Connect free, no token Retirement contribution limits MCP server

What Claude does alone, and what needs the server

Claude on its own

Explains catch-up contributions and how 401(k) and IRA limits combine.
Recalls limits for years before its training cutoff.

With the Retirement Contribution Limits server

Published limits only, with a clear answer when a year is not announced.
Your maximum for 401(k), 403(b), 457(b), TSP, SIMPLE, IRA and HSA by age.
The 2027 HSA limits, already set by the IRS.

A real call to the live server

We sent this to the hosted server on 2026-11-03. The answer below is the server's own text, not a mock-up. Live values will differ when you ask.

You ask

I am 61. What is the most I can put in my 401(k) and IRA for 2026?

Tool call

calculate_max_contribution {"age":61,"year":2026,"plans":["401k","ira"]}

Server answer

Age 61 in 2026: 401k $35,750 (incl. $11,250 age 60 63 super catch-up); ira $8,600 (incl. $1,100 age 50 plus catch-up). Combined employee maximum $44,350. Eligible for the age 60-63 super catch-up.

You ask

Same question for 2027.

Tool call

calculate_max_contribution {"age":61,"year":2027,"plans":["401k","ira","hsa_self"]}

Server answer

The IRS has not announced the 2027 401(k), 403(b), 457, IRA, SIMPLE, 415(c), compensation or HCE limits. On 2026-11-02 the IRS news release list ran through IR-2026-129 (Oct. 29, 2026) with no cost-of-living notice for 2027 (the 2026 notice, IR-2025-111 / Notice 2025-67, came out in November 2025). This server does not guess or forecast. Use 2026 as the latest published year. HSA limits for 2027 are published: use plans ["hsa_self"] or ["hsa_family"] for 2027.

Connect it in 1 minute

One URL, no token, no account. In Claude.ai or Claude Desktop open Settings, then Connectors, then Add custom connector, and paste the URL.

Connector URL

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

Claude Code

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

Cursor (~/.cursor/mcp.json)

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

VS Code (.vscode/mcp.json)

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

All 4 tools, sources and more prompts: Retirement contribution limits MCP server · StateWage

Questions

Can Claude look up the 2027 401(k) limits?

When will the 2027 limits come out?

The 2026 limits were announced in November 2025 (IR-2025-111, Notice 2025-67). The 2027 notice is expected on a similar schedule. The server adds the figures once the IRS publishes them.

What are the 2027 HSA limits?

From the server: $4,500 for self-only coverage and $9,000 for family coverage, plus $1,000 at age 55 and over.

Is the server free?

Yes. The Retirement Contribution Limits server is free at its hosted URL with no token, key or account. The source is open on GitHub.

Can Claude look up the 2027 401(k) limits?

What Claude does alone, and what needs the server

Claude on its own

With the Retirement Contribution Limits server

A real call to the live server

Connect it in 1 minute

Questions

More questions people ask Claude