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
Connect ToolRouter
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
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.
How to look up retirement contribution limits
Once connected (see setup above), use the Tax Reference tool — the same steps work with Claude, ChatGPT, Microsoft Copilot, OpenClaw, and any MCP client:
- 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
Try this with 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
- 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
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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