How to Look Up Retirement Contribution Limits with ChatGPT
Look up retirement contribution limits with ChatGPT and ToolRouter. Current limits explained with planning guidance.
Tool
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
Steps
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
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
- 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