# IRA Contribution Limit Calculator (2026)

> IRA Contribution Limit Calculator (2026) 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).

Returns the 2026 IRA and Roth IRA contribution limits for a specific taxpayer, including Roth MAGI phase-out and traditional IRA deduction phase-out based on age, income, filing status, and employer plan coverage.

## Facts

- Endpoint: POST https://x402toll.com/v1/retirement/ira-limits
- 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/ira-contribution-limit-calculator-2026-ec9ba3cb
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_q2VcTCwz7E15rcKfWsM3b

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 ira-contribution-limit-calculator-2026-ec9ba3cb -d '<json body>'
```

Example prompt: What's my 2026 Roth IRA contribution limit? I'm 54, filing as single, my MAGI is $145,000, and I'm covered by my employer's 401(k).

## When to prefer this

Use this endpoint when you need a precise, rule-based 2026 IRA contribution limit calculation that accounts for the Roth MAGI phase-out and traditional IRA deduction phase-out simultaneously. Prefer this over general tax APIs when the user's specific situation (age, income, filing status, employer plan enrollment) is known and you need the exact allowable contribution or deduction amount rather than a general rule.

## Known failure modes

- Missing required MAGI field returns validation error
- Invalid filing status enum value returns 400 bad request
- Age outside plausible range may return unexpected catch-up eligibility
- Payment failure or insufficient USDC balance returns 402 Payment Required
- Network timeout if upstream calculation service is unavailable

## How this service works

2026 IRA / Roth contribution limit for your situation — including the Roth MAGI phase-out and traditional-deduction phase-out (if covered by a workplace plan).

## Output

Returns the taxpayer's 2026 IRA contribution limits including: maximum Roth IRA contribution (accounting for MAGI phase-out), traditional IRA deductible contribution amount (accounting for employer plan phase-out), catch-up contribution eligibility (for age 50+), and the applicable phase-out ranges used in the calculation.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "age": {
   "type": "number",
   "default": 40
  },
  "magi": {
   "type": "number"
  },
  "filingStatus": {
   "enum": [
    "single",
    "mfj",
    "hoh",
    "mfs"
   ],
   "type": "string",
   "default": "single"
  },
  "coveredByEmployerPlan": {
   "type": "boolean",
   "default": false
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/ira-contribution-limit-calculator-2026-ec9ba3cb/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)