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Retirement contribution limits MCP server

401(k), IRA and HSA limits, the age 60-63 catch-up and the 2027 Social Security COLA, from IRS and SSA notices.

Connect free Source on GitHub

Free. No key, no sign-in, no paid tier. 4 tools.

Connector URL

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

Paste it as a custom connector in Claude, or add it to Claude Code, Cursor or VS Code. Setup for each is below.

What it knows that a model does not

A model answers from training data. This server reads the source when you ask.

  • The 2027 Social Security COLA of 3.6%, the $192,300 wage base and the earnings test limits, announced in October 2026.
  • The 2027 HSA limits of $4,500 self and $9,000 family, and the 2025 and 2026 401(k), IRA, SIMPLE and HSA limits.
  • The age 60 to 63 super catch-up and the Roth catch-up rule for high earners that applies from 2027. 2027 401(k) limits are not out yet, and the tool says so.

Sources IRS Notices 2024-80 and 2025-67, Rev. Procs. 2025-19 and 2026-24, IR-2025-91, and SSA Federal Register notices.

Tools (4)

Read from the live server with tools/list on 2026-11-02.

ToolWhat it does
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...
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.
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...
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.

Connect it

One URL, no token. Pick your app.

Claude.ai and Claude Desktop

Open Settings, then Connectors, then Add custom connector. Paste the URL. Leave the OAuth fields empty. Save.

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

Claude Code

Run this in your terminal. Then run claude mcp list to check it.

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

Cursor

Merge this into ~/.cursor/mcp.json (all projects) or .cursor/mcp.json (one project).

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

VS Code

Put this in .vscode/mcp.json. The top key is servers, not mcpServers.

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

Things to ask

Paste one into a new chat after you connect.

Sourcegithub.com/theluckystrike/retirement-contribution-limits-2027-mcp Web calculatorStateWage

Questions

Is the retirement contribution limits MCP server free?
Yes. The hosted URL is free and needs no token, key or account. The source is open on GitHub.
Why not just ask the model?
A model answers from its training data. That data stops at a cutoff date, and long sums can drift. This server reads its data or rules each time you ask, so the answer is current and exact.
Where does the data come from?
IRS Notices 2024-80 and 2025-67, Rev. Procs. 2025-19 and 2026-24, IR-2025-91, and SSA Federal Register notices.
Which apps can use it?
Any MCP client that accepts a remote server URL: Claude.ai and Claude Desktop custom connectors, Claude Code, Cursor, VS Code and others. You can also run it locally with npx.

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