PartnerConstantsIngressService

Partner-level endpoints that supply key constants such as IRS contribution limits. Send the auth header without a requested identity.

Authorization: Bearer <token>

Returns the current year's employee contribution limits.

There are two buckets for contribution limits:

1. Paycheck deferral contributions:
   • Traditional contribution
   • Roth contribution (still taken as a deferral, but from post-tax income)
2. All contributions:
   • Paycheck deferrals
   • Employer match
   • Post-tax elective contributions (MBDR contributions)

There is a lower limit that applies only to deferrals, and then a higher total limit that applies to all contributions including deferrals. For 2026, these are set at $24,500 and $72,000, respectively.

These limits should be used to help employees make decisions around how much they can and should contribute from their paycheck.

service PartnerConstantsIngressService {
  rpc GetAnnualContributionLimits(GetAnnualContributionLimitsRequest) returns (GetAnnualContributionLimitsResponse);
}

message GetAnnualContributionLimitsRequest {
  optional int32 year = 1;
}

message GetAnnualContributionLimitsResponse {
  Money annual_deferral_limit = 1;
  Money annual_total_contribution_limit = 2;
  int32 year = 3;
}

Data types: Money

Returns the constants used for retirement projections and estimates. These can be used to build a retirement calculator or projection tool for employees.

The current values are:

service PartnerConstantsIngressService {
  rpc GetRetirementProjectionParameters(GetRetirementProjectionParametersRequest) returns (GetRetirementProjectionParametersResponse);
}

message GetRetirementProjectionParametersRequest {}

message GetRetirementProjectionParametersResponse {
  int32 expected_annual_return_bps = 1;
  int32 annual_wage_growth_bps = 2;
  int32 inflation_rate_bps = 3;
  int32 withdrawal_rate_bps = 4;
  int32 retirement_income_replacement_ratio_bps = 5;
  int32 default_retirement_age = 6;
}