How to Look Up Retirement Contribution Limits with Claude
Look up retirement contribution limits with Claude and ToolRouter. Current 401(k), IRA, and HSA limits with planning context.
Tool
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
Steps
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
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
- 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