Chat(k) is an AI-powered retirement plan assistant built for practitioners. It draws from a curated database of 1,521 regulatory knowledge entries covering 401(k), 403(b), SIMPLE IRA, SEP IRA, EPCRS corrections, SECURE 2.0 provisions, and more.
$
Current Limits & Thresholds
Up-to-date IRS contribution limits, HCE thresholds, and key dollar amounts for 2025-2026.
S
SECURE 2.0 Guidance
Comprehensive coverage of SECURE 2.0 provisions including LTPT rules, Roth catch-up, and emergency savings.
E
EPCRS Corrections
SCP, VCP, and Audit CAP guidance with correction methods and procedures.
M
Multi-Model AI
Choose between Claude, GPT-5.2, and Gemini. GPT-5.2 includes web search for real-time information.
1
Select Your AI Model
Choose from Claude (Opus 4.5), GPT-5.2 (with web search), or Gemini 2.0 Flash in the sidebar.
2
Ask Your Question
Type a retirement plan question in the chat box. Use specific terms like "safe harbor", "LTPT", or "402(g)" for best results.
3
Review the Response
Each answer begins with an educational disclaimer. Look for Key Points and Summary sections at the end.
4
Upload Documents (Optional)
Click the paperclip to upload plan documents (PDF, DOCX, XLSX) for analysis. Available with GPT-5.2.
| Provision | 2025 | 2026 |
|---|
| 401(k)/403(b) Deferral Limit | $23,500 | $23,500 |
| Catch-Up (Age 50+) | $7,500 | $7,500 |
| Super Catch-Up (Ages 60-63) | $11,250 | $11,250 |
| Annual Additions (415 Limit) | $70,000 | $70,000 |
| Annual Compensation Cap | $350,000 | $350,000 |
| HCE Threshold | $160,000 | $160,000 |
| Key Employee Officer | $230,000 | $230,000 |
| SIMPLE IRA Deferral | $16,500 | $16,500 |
| IRA Contribution | $7,000 | $7,000 |
| Roth Catch-Up Threshold | $145,000 | $150,000 |
Source: IRS Notice 2024-80 and SECURE 2.0 Act provisions. Verify at irs.gov.