ShellNewHandler VS VerifiedLimits

VerifiedLimits's answer:

Most calculator sites treat HSA and 401(k) limits as one generic feature buried in a catalog of unrelated tools. Ledger&Leaf does the opposite: twelve calculators, one category — US tax-advantaged account thresholds — each verified directly against IRS Revenue Procedures and Notices, not estimated.

It also covers what generic calculators skip entirely:

• Mid-year HDHP coverage changes
• The Medicare-enrollment trap that zeroes HSA eligibility
• Employer-match true-up shortfalls
• The SECURE 2.0 mandatory Roth catch-up

No login, no account, no data stored — every number is calculated in your browser and nowhere else.

VerifiedLimits's answer:

Getting a contribution limit wrong costs real money — a 6% excise tax on excess HSA or IRA contributions, a missed employer match, a blown catch-up window.

• Every figure sourced to a specific IRS Revenue Procedure or Notice, dated and rechecked
• A public corrections policy if something's ever wrong
• No sign-up wall, no upsell to a paid tier, no content padding between you and the answer

VerifiedLimits's answer:

US taxpayers actively managing an HSA, IRA, or 401(k) who want a precise answer, not a rough estimate — DIY investors from communities like Bogleheads and r/financialindependence, and people navigating a specific edge case: a job change mid-year, a shift in HDHP coverage, or catch-up eligibility that simpler calculators don't model.

VerifiedLimits's answer:

Ledger&Leaf started from a simple observation: the numbers that actually decide whether an HSA or 401(k) contribution is safe — prorated limits, catch-up thresholds, mid-year coverage changes — are scattered across dense IRS documents that most calculators simplify past the point of being reliable.

It's built and maintained by a solo founder, one calculator at a time, verifying every figure against the primary source before it ships. The goal isn't to be another all-purpose finance hub — it's to be the place people go when this specific answer needs to be right.

VerifiedLimits's answer:

A client-side single-page application, entirely browser-based:

• React 18 with React Router 7 for routing
• Tailwind CSS and Radix UI/shadcn for the interface
• Built and deployed via Hostinger Horizons

No backend, no database — every calculation runs client-side, which is also why no login or account is ever required.