# Retirement Contribution Limits 2027 (remote · retirement-contribution-limits-2027-mcp.lipmichal.workers.dev)

401(k), IRA, HSA limits, age 60-63 catch-up, Roth catch-up rule, Social Security COLA, 2025-2027.

- Trust score: 66/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `retirement-contribution-limits-2027-mcp.lipmichal.workers.dev`: 66/100 (this document), [markdown](https://verifymcp.io/servers/theluckystrike-retirement-contribution-limits-2027-mcp/retirement-contribution-limits-2027-mcp.md), [page](https://verifymcp.io/servers/theluckystrike-retirement-contribution-limits-2027-mcp/retirement-contribution-limits-2027-mcp)

## Channel facts

- Endpoint: `https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 63/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 63/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 963 tokens (~240/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 10/100
  - Stability observed for 3 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 97/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 92% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the Retirement Contribution Limits 2027 MCP server?

Retirement Contribution Limits 2027 is a hosted endpoint at https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http theluckystrike-retirement-contribution-limits-20 'https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "theluckystrike-retirement-contribution-limits-20": {
      "url": "https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "theluckystrike-retirement-contribution-limits-20": {
      "type": "http",
      "url": "https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.theluckystrike-retirement-contribution-limits-20]
url = "https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "theluckystrike-retirement-contribution-limits-20": {
      "type": "remote",
      "url": "https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add theluckystrike-retirement-contribution-limits-20 --url 'https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  theluckystrike-retirement-contribution-limits-20:
    url: "https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "theluckystrike-retirement-contribution-limits-20": {
      "Transport": "http",
      "Url": "https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add theluckystrike-retirement-contribution-limits-20 -t streamable-http -u 'https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp'
```

### Other

```json
{
  "mcpServers": {
    "theluckystrike-retirement-contribution-limits-20": {
      "type": "http",
      "url": "https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-05 (score 66, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-03 (score 65, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-02 (score 64)

First indexed and scored.

## MCP tools (4)

### `get_contribution_limits` (~316 tokens)

401(k), IRA, HSA and SIMPLE contribution limits (2025-2027)

Returns official IRS contribution limits for 2025, 2026 and 2027: 401(k)/403(b)/TSP and 457(b) elective deferral ($24,500 for 2026), age 50+ catch-up ($8,000 for 2026), the SECURE 2.0 age 60-63 super catch-up ($11,250), IRA limit and catch-up ($7,500 + $1,100 for 2026), SIMPLE limits, 415(c) total ($72,000), 401(a)(17) compensation limit, highly compensated employee threshold, Roth IRA phase-outs, HSA self/family limits (2027: $4,500 / $9,000, Rev. Proc. 2026-24) and the Social Security wage base (2027: $192,300). Also states the Roth catch-up rule status. Figures copied from IRS Notices 2024-80 and 2025-67 and the HSA Rev. Procs. 2027 plan and IRA limits were not yet announced on 2026-11-02 and the tool says so instead of guessing.

Input parameters:

- `account` (string): Which limits: all (default), 401k, 403b, 457b, tsp, simple, ira, roth_ira, hsa, 415c, hce, social_security.
- `year` (integer, required): Calendar year: 2025, 2026 or 2027.

### `calculate_max_contribution` (~372 tokens)

Maximum contribution by age, year and plans

Calculates the most a person can contribute for a year given age (on Dec. 31), plans held (401k, 403b, 457b, tsp, simple, ira, hsa_self, hsa_family) and optional wages. Applies the age 50+ catch-up, the SECURE 2.0 age 60-63 super catch-up (eligible only if age 60, 61, 62 or 63 at year end; 64 drops back), the HSA $1,000 catch-up at 55, the shared 402(g) limit across 401(k)/403(b)/TSP/SIMPLE, the separate 457(b) limit, and the compensation cap. With prior_year_fica_wages it tells whether catch-ups must be Roth under SECURE 2.0 section 603 (2026: over $150,000 of 2025 FICA wages).

Input parameters:

- `age` (integer, required): Age on December 31 of the year.
- `plan_offers_super_catch_up` (boolean): False if the employer plan does not offer the age 60-63 catch-up. Default true.
- `plans` (array, required): Plans the person contributes to, e.g. ["401k","ira","hsa_family"].
- `prior_year_fica_wages` (number): Prior-year FICA wages (W-2 box 3) from the plan sponsor, for the Roth catch-up rule.
- `simple_higher_limits` (boolean): True if the SIMPLE plan uses the higher small-employer limits.
- `wages` (number): Compensation for the year in USD, used to cap deferrals and IRA contributions.
- `year` (integer, required): Calendar year: 2025, 2026 or 2027.

### `get_social_security_cola` (~142 tokens)

Social Security COLA, wage base and earnings test

Returns the Social Security cost-of-living adjustment and related figures from SSA's official annual notice in the Federal Register: 2027 COLA 3.6% (announced October 2026), 2027 taxable maximum (wage base) $192,300, retirement earnings test limits ($25,560 under full retirement age, $67,920 in the year you reach it, for 2027), quarter of coverage, SGA amounts and SSI federal payment. Covers 2025, 2026 and 2027.

Input parameters:

- `year` (integer, required): Calendar year: 2025, 2026 or 2027.

### `compare_years` (~133 tokens)

Compare limits between 2025, 2026 and 2027

Shows each retirement, IRA, HSA and Social Security figure for two years side by side with the dollar and percent change: 401(k) deferral, catch-ups, 415(c), compensation limit, HCE threshold, SIMPLE, IRA, Roth catch-up threshold, HSA, wage base, earnings test and COLA. Items the IRS has not yet published (2027 plan limits on 2026-11-02) come back as null, never estimated.

Input parameters:

- `from_year` (integer, required): Calendar year: 2025, 2026 or 2027.
- `to_year` (required)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/theluckystrike-retirement-contribution-limits-2027-mcp/retirement-contribution-limits-2027-mcp#diagnostics

## Score history

- 2026-11-05: 66
- 2026-11-04: 65
- 2026-11-03: 65
- 2026-11-02: 64

## Common questions

### What is the Retirement Contribution Limits 2027 MCP server?

Retirement Contribution Limits 2027 is an MCP server listed in the public MCP registry as io.github.theluckystrike/retirement-contribution-limits-202…. 401(k), IRA, HSA limits, age 60-63 catch-up, Roth catch-up rule, Social Security COLA, 2025-2027. This page covers its hosted endpoint (https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp).

### Is the Retirement Contribution Limits 2027 MCP server safe to use?

Retirement Contribution Limits 2027 scores 66 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the Retirement Contribution Limits 2027 MCP server expose?

Retirement Contribution Limits 2027 exposes 4 tools: get_contribution_limits, calculate_max_contribution, get_social_security_cola, compare_years. Their descriptions and schemas cost roughly 963 tokens of context every time the server is loaded.

### Does the Retirement Contribution Limits 2027 MCP server require authentication?

No. We connected to Retirement Contribution Limits 2027 without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Retirement Contribution Limits 2027 MCP server still maintained?

Retirement Contribution Limits 2027 is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://retirement-contribution-limits-2027-mcp.lipmichal.workers.dev/mcp
- Repository: https://github.com/theluckystrike/retirement-contribution-limits-2027-mcp
- Website: https://statewage.com/401k-paycheck-calculator/
- Changelog RSS feed: https://verifymcp.io/servers/theluckystrike-retirement-contribution-limits-2027-mcp/retirement-contribution-limits-2027-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/theluckystrike-retirement-contribution-limits-2027-mcp/retirement-contribution-limits-2027-mcp.json
- HTML version of this page: https://verifymcp.io/servers/theluckystrike-retirement-contribution-limits-2027-mcp/retirement-contribution-limits-2027-mcp