{"uid":"cap_duJcVavK8Hc-9JhJ3nkQc","slug":"401-k-contribution-limit-employer-match-calculator-f326a508","name":"401(k) Contribution Limit & Employer Match Calculator","description":"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.","url":"https://x402toll.com/v1/retirement/401k","method":"POST","headers":{},"bodySchema":{"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}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.05","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.05/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm__c4m7qYBGZqXeenFEZtRy","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.05","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"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.","exampleAgentPrompt":"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?","exampleUseCases":null,"resultDescription":"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.","failureModes":["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"],"whenToPreferThis":"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.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T18:46:01.269Z","isFirstParty":false}