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.
Tool
Retirement 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.
Agent Guides
Claude
- Connect ToolRouter to Claude: claude mcp add toolrouter -- npx -y toolrouter-mcp
- Ask Claude: "What are the current 401(k) and IRA contribution limits?"
- Claude returns current limits with catch-up amounts for those over 50
ChatGPT
- Add ToolRouter to ChatGPT using the MCP JSON configuration
- Ask: "What are the current retirement contribution limits?"
- ChatGPT returns limits for all major account types
Copilot
- Add ToolRouter to your Copilot MCP configuration
- In Copilot Chat: "Fetch current retirement contribution limits for all account types"
- Copilot returns structured limit data with catch-up amounts and income thresholds
OpenClaw
- Connect ToolRouter to OpenClaw: openclaw mcp add toolrouter -- npx -y toolrouter-mcp
- Ask: "Get current retirement contribution limits for 401(k), IRA, and HSA"
- OpenClaw returns all limits with catch-up amounts
Related Use Cases
Check Capital Gains Tax Rates
Look up current long-term and short-term capital gains rates by income level and filing status.