About Retirement Limits

Radif Partners turns each yearly IRS limit into a number you can apply to your own case: Notice 2025-67 for the 2026 plan and IRA limits, Rev. Proc. 2025-19 and 2026-24 for HSAs, Rev. Proc. 2025-32 for health FSAs, Publication 590-A worksheets for the reduced Roth and deductible IRA amounts, and the life expectancy tables of 26 CFR 1.401(a)(9)-9 for required minimum distributions. The worked examples printed by the IRS run as tests. We sell no account, fund or advice and ask for no e-mail.

The gap this site fills

Every November the IRS publishes one number per account, and within a day hundreds of pages repeat it. The number is right for a minority of readers. A 61 year old has a larger catch-up than a 65 year old; a single filer with a modified AGI of $160,000 can put part of the IRA limit in a Roth, not all of it and not nothing; a manager who earned more than $150,000 last year has to make the catch-up as Roth; a widow inheriting an IRA does not follow the same RMD rule as a nephew. Search results for these questions are held by plan providers and brokers whose pages print the headline and send you to a representative. Some independent pages still show a previous year's limit, or a 2017 RMD table with a start at 70½ and a 50 % penalty.

This site does better than the first Google result because it computes your own limit instead of printing the IRS headline: the catch-up by birth year including the age 60 to 63 amount, the mandatory Roth catch-up from your 2025 wages, the reduced Roth IRA amount by the Publication 590-A worksheet, the deductible part of a traditional IRA, and RMDs from the Uniform, Joint and Single Life tables, inherited accounts included, all with the 2026 IRS figures, the 2027 pages ready for the announcement day, and nothing to sell.

Who publishes it

The site is published by Radif Partners, a company that builds calculators on public rules. It is not a plan provider, a broker, an investment adviser, a bank or an insurer, it is not run by or affiliated with the IRS or any government agency, receives no commission and has no partner to send you to. Pages carry no affiliate link.

Radif Partners
49 rue du Ressort
63000 Clermont-Ferrand, France
contact@retirementlimits.com

What we rely on

Notice 2025-67 for the 2026 plan and IRA limits (irs.gov), the IRS cost-of-living table for earlier years, Rev. Proc. 2025-19 and Rev. Proc. 2026-24 for HSAs, Rev. Proc. 2025-32 for the health FSA, Publication 15-B for dependent care assistance, Publications 590-A, 590-B, 560 and 969, the final regulations on catch-up contributions and the RMD regulations of 26 CFR 1.401(a)(9), whose life expectancy tables we load as published.

What the site leaves out

Plan rules that are not in the tax code: whether your plan offers a Roth option, a match, after-tax contributions or a special 403(b) or 457(b) catch-up is in your plan document. Investment returns are your assumption. State taxes and the saver's credit amount are not computed. The method page lists every formula and its limits; the editorial policy explains corrections.

Contact

contact@retirementlimits.com, for corrections and sources. We answer questions about a rule, not about your personal situation.

Results apply the 2026 IRS limits to the figures you type. Your plan document, your payroll and your tax return decide what you can actually contribute or must withdraw; a plan administrator or tax professional can confirm it. It is general information, not financial advice or tax advice for your situation, and we receive nothing from any plan, broker or adviser.