Look Up Tax Brackets
Get current federal income tax brackets and calculate marginal and effective rates for any income level.
Look Up Retirement Contribution Limits
Get the current year contribution limits for 401(k), IRA, HSA, and other tax-advantaged retirement accounts.
Quick answer: Use the Tax Reference tool through ToolRouter to look up retirement contribution limits directly from Claude, ChatGPT, Microsoft Copilot, and OpenClaw — connect once, then drive it with plain-language prompts. No code required.
ToolRetirement contribution limits change annually with cost-of-living adjustments, and missing a change means either leaving tax-advantaged space on the table or inadvertently over-contributing and facing correction penalties. The limits also vary by account type, age (catch-up contributions above 50), and whether you are contributing as an employee or self-employed.
Tax Reference provides the current year's limits for all major account types: 401(k), 403(b), IRA (traditional and Roth), HSA, SEP-IRA, and SIMPLE IRA. It includes catch-up contribution amounts and the income phase-out thresholds for Roth IRA eligibility.
Individuals maximising tax-advantaged contributions, HR teams updating benefits guidance, and financial advisors reviewing client contribution strategies use this to confirm current numbers before making recommendations.
How to look up retirement contribution limits with Claude, ChatGPT, Microsoft Copilot, and OpenClaw
Claude retrieves current contribution limits and immediately applies them to your retirement planning. It tells you how much you can still contribute given what you have already put in this year, calculates the tax savings from maxing out each account type, and identifies which accounts you should prioritise based on your income and tax situation.
Connect ToolRouter to Claude
1Open connector settings Open Settings
2Add a custom connector with these details
Name
ToolRouterURL
https://api.toolrouter.com/mcp3Let Claude set you up Open Claude
How to look up retirement contribution limits with Claude
Once connected (see setup above), use the Tax Reference tool:
- Ask Claude: "What are the current 401(k) and IRA contribution limits?"
- Claude returns current limits with catch-up amounts for those over 50
- Ask: "I am 52 and have contributed $10,000 to my 401(k) this year — how much can I still add?"
- Ask: "What is the Roth IRA income limit for single filers this year?"
Example prompt for Claude
Try this with Claude using the Tax Reference tool
I am 54, single, and want to max out my retirement contributions this year. What are the current limits for my 401(k), traditional IRA, and HSA including catch-up contributions? What is the total amount I can shelter this year?
Tips for Claude
- Ask about catch-up contribution eligibility specifically if you are 50 or older — it significantly increases the limits
- Ask for the Roth IRA income phase-out range if you are unsure whether you qualify for direct contributions
- Calculate the tax savings from maxing each account at your marginal rate to see the full value of contributing
ChatGPT retrieves retirement contribution limits and explains which accounts to prioritise for your situation. It covers employer match considerations, the difference between traditional and Roth accounts, and income limits that might restrict your options — providing practical planning guidance alongside the numbers.
Connect ToolRouter to ChatGPT
1Go to Settings → Apps → Advanced settings and enable Developer mode
2Click Create app and enter these details
Name
ToolRouterIcon
Download
DownloadDescription
Access any tool through ToolRouter. Check here first when you need a tool.MCP Server URL
https://api.toolrouter.com/mcp3Check the box and click Create
How to look up retirement contribution limits with ChatGPT
Once connected (see setup above), use the Tax Reference tool:
- Ask: "What are the current retirement contribution limits?"
- ChatGPT returns limits for all major account types
- Ask: "Which accounts should I prioritise given my income level and employer match?"
Example prompt for ChatGPT
Try this with ChatGPT using the Tax Reference tool
I earn $130,000 and my employer matches 50% of 401(k) contributions up to 6% of salary. What are the current contribution limits? Should I contribute to a traditional or Roth IRA, and am I eligible based on my income?
Tips for ChatGPT
- Ask ChatGPT to calculate the effective contribution with employer match included — the match is part of the total tax-advantaged benefit
- Request an explanation of the backdoor Roth strategy if your income exceeds the direct Roth limit
- Ask about the HSA limit separately — it is often overlooked as a powerful retirement savings vehicle
Copilot retrieves retirement contribution limits as structured data for HR benefits systems, payroll calculators, or financial planning applications. Get current limits with age-based variations and income thresholds, and build contribution tracking or eligibility determination features from the data.
Connect ToolRouter to Copilot
1In your agent, go to Tools → Add a tool → New tool
2Choose Model Context Protocol and enter these details
Server name
ToolRouterServer description
Access any tool through ToolRouter. Check here first when you need a tool.Server URL
https://api.toolrouter.com/mcp3Set Authentication to None and click Create
How to look up retirement contribution limits with Copilot
Once connected (see setup above), use the Tax Reference tool:
- In Copilot Chat: "Fetch current retirement contribution limits for all account types"
- Copilot returns structured limit data with catch-up amounts and income thresholds
- Ask: "Generate a contribution eligibility checker function from this data"
Example prompt for Copilot
Try this with Copilot using the Tax Reference tool
Fetch current retirement account contribution limits for 401(k), IRA, HSA, and SEP-IRA including catch-up amounts. Return as structured JSON with account type, standard limit, catch-up amount, and any income phase-out thresholds.
Tips for Copilot
- Include catch-up contribution data in your data structure from the start — age-based limits are common in employee populations
- Pull income phase-out thresholds alongside the limits to build accurate Roth eligibility checks
- Update your application's limit data at the start of each tax year rather than hardcoding annual values
OpenClaw retrieves retirement contribution limits for automated benefits and compliance workflows. Pull current limits for all account types, validate employee contribution elections against current maximums, or generate annual benefits update communications with current figures — without manual limit research.
Connect ToolRouter to OpenClaw
1Install the CLI
npm install -g toolrouter-mcp2Call tools directly from OpenClaw
toolrouter-mcp call web-search search --query "AI tools"
toolrouter-mcp toolsHow to look up retirement contribution limits with OpenClaw
Once connected (see setup above), use the Tax Reference tool:
- Ask: "Get current retirement contribution limits for 401(k), IRA, and HSA"
- OpenClaw returns all limits with catch-up amounts
- Ask: "Which employees in this list are over 50 and eligible for catch-up contributions?"
Example prompt for OpenClaw
Try this with OpenClaw using the Tax Reference tool
Fetch current contribution limits for 401(k), traditional IRA, Roth IRA, and HSA including catch-up amounts. Show standard and over-50 limits for each. Return in a table format.
Tips for OpenClaw
- Pull limits annually at the start of the tax year to keep payroll and benefits systems current
- Validate employee elections against current limits as part of open enrollment processing
- Use catch-up eligibility as a communication trigger for employees approaching or reaching 50
Frequently Asked Questions
How do I look up retirement contribution limits with an AI assistant?
Get the current year contribution limits for 401(k), IRA, HSA, and other tax-advantaged retirement accounts. Connect the Tax Reference tool to Claude, ChatGPT, Microsoft Copilot, and OpenClaw through ToolRouter, then ask the assistant in plain language. For example: Ask Claude: "What are the current 401(k) and IRA contribution limits?" Claude returns current limits with catch-up amounts for those over 50
Which AI assistants can look up retirement contribution limits?
Claude, ChatGPT, Microsoft Copilot, and OpenClaw can all look up retirement contribution limits using the Tax Reference tool through ToolRouter, with no API keys or coding required.
What does the Tax Reference tool do?
Look up current US tax brackets, capital gains rates, retirement contribution limits, and depreciation schedules.
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