{"uid":"cap_q2VcTCwz7E15rcKfWsM3b","slug":"ira-contribution-limit-calculator-2026-ec9ba3cb","name":"IRA Contribution Limit Calculator (2026)","description":"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).","url":"https://x402toll.com/v1/retirement/ira-limits","method":"POST","headers":{},"bodySchema":{"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}}},"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_jewNjUZR1oVWlE3O4R7VX","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":"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.","exampleAgentPrompt":"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).","exampleUseCases":null,"resultDescription":"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.","failureModes":["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"],"whenToPreferThis":"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.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T18:44:50.598Z","isFirstParty":false}