US Retirement Contribution Limits (Planomy)

planomytaxdata/contribution-limits

The 2026 US retirement and health-account contribution limits: 401(k)/403(b)/457(b)/TSP elective deferral and catch-ups (age 50 and 60 to 63), annual additions, compensation limit, IRA, SIMPLE IRA, HSA and HDHP thresholds, and the health FSA limit. Each block names its IRS source key.

activeper callv1

Price

$0.0026 per call

You pay the price shown. If a call turns out to cost more than its quote, you pay the actual price, capped at twice the quote. No monthly minimum. Top-ups start at $0.50.

Data source

Planomy

US federal tax and retirement figures compiled by Planomy (https://planomy.net/data/) from the Internal Revenue Service, the Social Security Administration and the Centers for Medicare & Medicaid Services; each section names its official source. Served by Eden Engine; not an official Planomy, IRS, SSA or CMS product.

Use it

Five steps: search, inspect, learn, run, settle. No per-tool setup; your agent reaches this tool through the meta-tools it already has.

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agent

// 1. search: find the tool
omnial_search({ query: "what you need" })

// 2. inspect: price and input schema
omnial_inspect({ tool: "planomytaxdata/contribution-limits" })

// 3. learn: read the usage guide at runtime
omnial_learn({ tool: "planomytaxdata/contribution-limits" })

// 4. run: price the exact call first, then run it
omnial_execute({ tool: "planomytaxdata/contribution-limits", input: { /* see input_schema */ }, dry_run: true })
omnial_execute({ tool: "planomytaxdata/contribution-limits", input: { /* ... */ } })

// 5. settle: the call is charged when it finishes, nothing to do

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Pricing

Every charge this tool can incur.

Charge	Price
Per call	$0.0026

Updated: Oct 21, 2026

Input and output schemas

Input schema

input_schema.json

{
  "type": "object",
  "required": [
    "year"
  ],
  "properties": {
    "year": {
      "enum": [
        2026
      ],
      "type": "integer",
      "description": "Tax year. 2026 is the only year Planomy publishes."
    }
  },
  "additionalProperties": false
}

Output schema

output_schema.json

{
  "type": "object",
  "required": [
    "employerPlans",
    "ira"
  ],
  "properties": {
    "hsa": {
      "type": "object",
      "properties": {
        "family": {
          "type": "number"
        },
        "selfOnly": {
          "type": "number"
        }
      },
      "additionalProperties": true
    },
    "ira": {
      "type": "object",
      "required": [
        "contribution"
      ],
      "properties": {
        "source": {
          "type": "string",
          "description": "Key of the official source in the full document's `sources` map."
        },
        "catchUpAge50": {
          "type": "number"
        },
        "contribution": {
          "type": "number"
        }
      },
      "additionalProperties": true
    },
    "hdhp": {
      "type": "object",
      "properties": {},
      "additionalProperties": true
    },
    "simple": {
      "type": "object",
      "properties": {
        "deferral": {
          "type": "number"
        }
      },
      "additionalProperties": true
    },
    "healthFsa": {
      "type": "object",
      "properties": {},
      "additionalProperties": true
    },
    "employerPlans": {
      "type": "object",
      "required": [
        "electiveDeferral"
      ],
      "properties": {
        "catchUpAge50": {
          "type": "number"
        },
        "catchUpAge60To63": {
          "type": "number"
        },
        "electiveDeferral": {
          "type": "number"
        },
        "totalAnnualAdditions": {
          "type": "number"
        },
        "annualCompensationLimit": {
          "type": "number"
        }
      },
      "additionalProperties": true
    }
  },
  "additionalProperties": true
}