IRS Contribution Limits API

API ID 13632

IRS-announced annual contribution/benefit limits for 401(k), IRA, and HSA plans, by tax year. Independent product — not affiliated with the IRS.

API Documentation

Endpoints

Request
IRS-announced contribution/benefit limits for the given tax year.
Endpoint ID: 30512
GET https://zylalabs.com/api/13632/irs+contribution+limits+api/30512/irs+contribution+limits
INPUT PARAMETERS

IRS contribution limits — Endpoint Features

Object Description
tax_year Required Tax year to look up limits for
Authorization Optional Bearer token used to authenticate the API request

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

tax_year
Authorization
API EXAMPLE RESPONSE
JSON
{
    "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"
        }
    ]
}
IRS contribution limits — CODE SNIPPETS

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' 


    

API Access Key & Authentication

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.

Headers
Header Description
Authorization Required Should be Bearer access_key. See "Your API Access Key" above when you are subscribed.

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Overview

IRS-announced annual contribution/benefit limits for 401(k), IRA, and HSA plans, by tax year. Independent product — not affiliated with the IRS.

IRS Contribution Limits API FAQs

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.

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