Editorial policy

What counts as a source

Limits come from the IRS texts that set them: the yearly cost-of-living notice for plans and IRAs, the revenue procedures for HSAs and the health FSA, Publication 15-B for dependent care, Publications 560, 590-A, 590-B and 969 for the rules, and the regulations of 26 CFR 1.401(a)(9) for distributions. Plan providers' and brokers' articles are read to know what people ask, never as a source of a number.

How a figure reaches a page

No amount is typed into the text. The parameter file holds each limit with its source and the date it was read; the calculators and the pages read that file. The worked examples printed by the IRS are automated tests: if a parameter is mistyped, the site does not build.

No projection shown as official

Before the IRS announces a year, its pages say the limits are not announced. We do not publish estimates of future limits next to official ones.

Independence

Radif Partners receives nothing from plan providers, brokers, fund companies, advisers or insurers and links to none of them. There is no advertising today; if some is added it will be labeled, limited to three places a page, and never come from a firm selling retirement accounts or advice.

Review and corrections

The site is reviewed at least every 12 months, and each autumn when the IRS publishes the next year's limits. A reported error is checked against the source and, once fixed, moves the date shown on the page. Write through the contact page; the calculations are explained on the method page.