# 401(k) Contribution Limit & Employer Match Calculator

> 401(k) Contribution Limit & Employer Match Calculator is a paid API for AI agents from x402toll.com, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-14).

Validates a 401(k) contribution against 2026 IRS limits (including age 50+ and age 60–63 catch-up provisions) and calculates total employer match, capped at the §415(c) combined limit.

## Facts

- Endpoint: POST https://x402toll.com/v1/retirement/401k
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/401-k-contribution-limit-employer-match-calculator-f326a508
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_duJcVavK8Hc-9JhJ3nkQc

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability 401-k-contribution-limit-employer-match-calculator-f326a508 -d '<json body>'
```

Example prompt: I'm 61 years old with a $120,000 salary. I want to contribute 15% of my salary to my 401(k) — my employer matches 4% up to 5% of salary. Can you check if I'm within the 2026 IRS limits including the catch-up contribution for my age, and show me the total?

## When to prefer this

Use this endpoint when you need to validate or plan 401(k) contributions against official 2026 IRS limits, especially when age-based catch-up rules (50+ or the enhanced 60–63 window) or employer match capping at §415(c) are relevant. Prefer this over generic calculators when regulatory accuracy and the 2026 specific limits are required.

## Known failure modes

- Missing required salary field — endpoint returns 400 with validation error
- contributionPct and contributionAmount both provided — ambiguous input may cause conflict or error
- Age below 0 or non-numeric — returns validation error
- employerMatchPct provided without employerMatchLimitPct may result in uncapped match calculation
- Payment not completed — returns 402 Payment Required before computation

## How this service works

401(k) contribution vs the 2026 limits (incl. age 50+ and 60–63 catch-ups) plus the employer match, capped at the §415(c) total.

## Output

Returns the employee's computed contribution amount, employer match amount, the applicable 2026 IRS elective deferral limit (standard, age 50+ catch-up, or age 60–63 enhanced catch-up), the §415(c) combined limit, and whether any contributions exceed the applicable cap.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "age": {
   "type": "number",
   "default": 40
  },
  "salary": {
   "type": "number"
  },
  "contributionPct": {
   "type": "number"
  },
  "employerMatchPct": {
   "type": "number",
   "default": 0
  },
  "contributionAmount": {
   "type": "number"
  },
  "employerMatchLimitPct": {
   "type": "number",
   "default": 0
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/401-k-contribution-limit-employer-match-calculator-f326a508/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402toll.com](https://www.zero.xyz/host/x402toll.com/llms.txt)