{
"tax_year": 2026,
"limits": [
{
"plan_type": "401k",
"limit_type": "base",
"amount_usd": 24500,
"legal_basis": "IRS Notice 2025-67"
},
{
"plan_type": "401k",
"limit_type": "catchup_50",
"amount_usd": 8000,
"legal_basis": "IRS Notice 2025-67"
},
{
"plan_type": "ira",
"limit_type": "base",
"amount_usd": 7500,
"legal_basis": "IRS Notice 2025-67"
},
{
"plan_type": "hsa_self",
"limit_type": "base",
"amount_usd": 4400,
"legal_basis": "IRS Revenue Procedure 2025-19"
}
]
}
curl --location --request GET 'https://zylalabs.com/api/13632/irs+contribution+limits+api/30512/irs+contribution+limits?tax_year=2026&Authorization=Bearer compliancerates_live_1d1c040a4453cce84f424afa4595059b3c098eb63eeb452e' --header 'Authorization: Bearer YOUR_API_KEY'
After signing up, every developer is assigned a personal API access key, a unique combination of letters and digits provided to access to our API endpoint. To authenticate with the IRS Contribution Limits API simply include your bearer token in the Authorization header.
| Header | Description |
|---|---|
Authorization
|
Required
Should be Bearer access_key. See "Your API Access Key" above when you are subscribed.
|
No long-term commitment. Upgrade, downgrade, or cancel anytime. Free Trial includes up to 50 requests.
The API returns annual contribution and benefit limits for 401(k), IRA, and HSA plans, organized by tax year. Each response includes details such as plan type, limit type, amount in USD, and the legal basis for the limits.
Key fields in the response include "tax_year," "plan_type," "limit_type," "amount_usd," and "legal_basis." These fields provide essential information about the contribution limits for various retirement and health savings plans.
The response data is structured as a JSON object containing the "tax_year" and an array of "limits." Each limit entry includes details about the plan type, limit type, amount, and legal basis, making it easy to parse and utilize.
The endpoint provides information on contribution limits for 401(k), IRA, and HSA plans, including base limits and catch-up contributions. This data is crucial for individuals planning their retirement savings.
The primary parameter for the endpoint is the "tax_year," which specifies the year for which the contribution limits are requested. Users can customize their requests by providing the desired tax year.
The API sources its data from official IRS announcements and notices, ensuring that the information is accurate and up-to-date. Regular updates are made to reflect any changes in contribution limits as announced by the IRS.
Typical use cases include financial planning, retirement savings calculations, and compliance checks for employers managing retirement plans. Users can leverage this data to make informed decisions about contributions and benefits.
Users can utilize the returned data by integrating it into financial applications, dashboards, or reporting tools. The structured format allows for easy extraction and analysis of contribution limits for various plans.
To obtain your API key, first sign in to your account and navigate to the API you want to use. From the API's Pricing section, choose a plan and complete the subscription process. Once subscribed, return to the API page and you will see your API Access Key displayed at the top of the documentation page. You can use this key to authenticate your requests.
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The free trial lasts for 7 days and allows you to make up to 50 API requests.
No, the free trial is available only once, so we recommend using it on the API that interests you the most. Most of our APIs offer a free trial, but some may not include this option.
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You can monitor your API usage through the response headers included with every request:
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