Free HSA, IRA, and 401(k) calculators for contribution limits, eligibility, and excess-contribution penalties — verified against IRS Revenue Procedures. No login required, nothing stored; every calculation runs entirely in your browser.
A startup from Varna, Bulgaria that is founded by Iliya Iliev.
This page is designed to help you find out whether VerifiedLimits is good and if it is the right choice for you.
Ledger&Leaf is built for one job: getting IRS contribution limits, eligibility rules, and penalty math exactly right for HSAs, IRAs, and 401(k)s — nothing else competing for your attention.
Twelve calculators, each verified directly against primary IRS sources (Rev. Proc. 2025-19, Rev. Proc. 2025-32, Rev. Proc. 2026-24, IRS Notice 2025-67, Publication 969, Publication 590-A, Form 8889 instructions) rather than estimated or copied from secondary guides. Coverage goes past the basic limit lookup most calculators stop at: prorated HDHP eligibility, the Medicare-enrollment trap that zeroes HSA contributions mid-year, 401(k) employer-match true-up shortfalls, job-change over-contribution across employers, the mandatory Roth catch-up threshold for high earners under SECURE 2.0, and the QPLO/60-day deadline math on 401(k) loan offsets — edge cases most generic finance calculators and broad tax-prep platforms don't model.
No login, no account, no data stored. Every calculation runs entirely in your browser — enter numbers, get an answer, nothing sent to a server. Every figure is dated and sourced, with a published verification methodology and corrections policy behind it.
Where a large tax-prep platform treats a calculator as one small feature inside a much bigger product, and where general calculator hubs spread thin across loans, health, and math tools, Ledger&Leaf stays in one lane — US tax-advantaged account thresholds — and goes deep. Free, US-focused, current for 2026 IRS figures, with 2027 updates already queued as the relevant Revenue Procedures are released.
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IRS-Verified Data
Every contribution limit sourced directly from IRS Revenue Procedures and Notices, dated and cited on each calculator
No Login Required
All calculations run client-side in your browser — no account, nothing sent to a server
Calculator Suite
12 calculators covering HSA, IRA, 401(k), HDHP vs. PPO, and Tax Bracket thresholds
Edge-Case Coverage
Handles mid-year HDHP proration, the Medicare-enrollment HSA trap, 401(k) employer-match true-up, and the SECURE 2.0 mandatory Roth catch-up
Annual Updates
Figures refreshed each year as new IRS Revenue Procedures are released, with a published corrections policy
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:
No login, no account, no data stored — every number is calculated in your browser and nowhere else.
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.
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.
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.
A client-side single-page application, entirely browser-based:
No backend, no database — every calculation runs client-side, which is also why no login or account is ever required.
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Is VerifiedLimits good? This is an informative page that will help you find out. Moreover, you can review and discuss VerifiedLimits here. The primary details have been verified within the last quarter. So they could be considered up to date. If you think we are missing something, please use the means on this page to comment or suggest changes. All reviews and comments are highly encouranged and appreciated as they help everyone in the community to make an informed choice. Please always be kind and objective when evaluating a product and sharing your opinion.
