Retirement Contribution Limits 2027 MCP

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "year"
  ],
  "properties": {
    "year": {
      "type": "integer",
      "maximum": 2027,
      "minimum": 2025,
      "description": "Calendar year: 2025, 2026 or 2027."
    },
    "account": {
      "enum": [
        "all",
        "401k",
        "403b",
        "457b",
        "tsp",
        "simple",
        "ira",
        "roth_ira",
        "hsa",
        "415c",
        "hce",
        "social_security"
      ],
      "type": "string",
      "description": "Which limits: all (default), 401k, 403b, 457b, tsp, simple, ira, roth_ira, hsa, 415c, hce, social_security."
    }
  },
  "additionalProperties": false
}

{
  "title": "Contribution limits (2025-2027)",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "age",
    "year",
    "plans"
  ],
  "properties": {
    "age": {
      "type": "integer",
      "maximum": 120,
      "minimum": 14,
      "description": "Age on December 31 of the year."
    },
    "year": {
      "type": "integer",
      "maximum": 2027,
      "minimum": 2025,
      "description": "Calendar year: 2025, 2026 or 2027."
    },
    "plans": {
      "type": "array",
      "items": {
        "enum": [
          "401k",
          "403b",
          "457b",
          "tsp",
          "simple",
          "ira",
          "hsa_self",
          "hsa_family"
        ],
        "type": "string"
      },
      "maxItems": 8,
      "minItems": 1,
      "description": "Plans the person contributes to, e.g. [\"401k\",\"ira\",\"hsa_family\"]."
    },
    "wages": {
      "type": "number",
      "maximum": 1000000000,
      "minimum": 0,
      "description": "Compensation for the year in USD, used to cap deferrals and IRA contributions."
    },
    "simple_higher_limits": {
      "type": "boolean",
      "description": "True if the SIMPLE plan uses the higher small-employer limits."
    },
    "prior_year_fica_wages": {
      "type": "number",
      "maximum": 1000000000,
      "minimum": 0,
      "description": "Prior-year FICA wages (W-2 box 3) from the plan sponsor, for the Roth catch-up rule."
    },
    "plan_offers_super_catch_up": {
      "type": "boolean",
      "description": "False if the employer plan does not offer the age 60-63 catch-up. Default true."
    }
  },
  "additionalProperties": false
}

{
  "title": "Maximum contribution by age, year and plans",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "year"
  ],
  "properties": {
    "year": {
      "type": "integer",
      "maximum": 2027,
      "minimum": 2025,
      "description": "Calendar year: 2025, 2026 or 2027."
    }
  },
  "additionalProperties": false
}

{
  "title": "Social Security COLA, wage base and earnings test",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "from_year",
    "to_year"
  ],
  "properties": {
    "to_year": {
      "$ref": "#/properties/from_year"
    },
    "from_year": {
      "type": "integer",
      "maximum": 2027,
      "minimum": 2025,
      "description": "Calendar year: 2025, 2026 or 2027."
    }
  },
  "additionalProperties": false
}

{
  "title": "Compare limits between years",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}