How to Look Up Retirement Contribution Limits with Copilot
Look up retirement contribution limits with Copilot and ToolRouter. Structured contribution data for HR and planning tools.
Tool
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
Steps
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
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
- 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