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QuantCalc Retirement Engine

R0· no sign-in

Retirement Monte Carlo, tax-aware withdrawal and Roth-conversion plans, and a 2026 return estimate.

v1.2.0 · active · repository · website · descriptor JSON · versions

An agent can connect right now, no human step.Remote endpoint, no authentication, reachable on the last probe.
Quality77good
Trust95of 100
Uptime, 30 days94%
Latency p50452 ms

Connect

8 clients · secrets stay placeholders
{
  "mcpServers": {
    "retirement-engine": {
      "type": "http",
      "url": "https://mcp.quantcalc.app"
    }
  }
}
claude mcp add --transport http retirement-engine https://mcp.quantcalc.app
[mcp_servers.retirement-engine]
url = "https://mcp.quantcalc.app"
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "retirement-engine": {
      "type": "remote",
      "url": "https://mcp.quantcalc.app",
      "enabled": true
    }
  }
}
{
  "mcpServers": {
    "retirement-engine": {
      "type": "http",
      "url": "https://mcp.quantcalc.app"
    }
  },
  "deeplink": "cursor://anysphere.cursor-deeplink/mcp/install?name=retirement-engine&config=eyJ0eXBlIjoiaHR0cCIsInVybCI6Imh0dHBzOi8vbWNwLnF1YW50Y2FsYy5hcHAifQ%3D%3D"
}
{
  "servers": {
    "retirement-engine": {
      "type": "http",
      "url": "https://mcp.quantcalc.app"
    }
  }
}
{
  "mcpServers": {
    "retirement-engine": {
      "httpUrl": "https://mcp.quantcalc.app"
    }
  }
}
extensions:
  "retirement-engine":
    enabled: true
    name: "retirement-engine"
    type: streamable_http
    uri: "https://mcp.quantcalc.app"
    timeout: 300

Quality 77 / 100good

protocol75 · weight 25
  • warn
    protocol.modernnewest supported version is 2025-06-18; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
  • n/a
    protocol.statelessonly applies to 2026-07-28 servers
  • pass
    protocol.transportstreamable HTTP
  • n/a
    protocol.list_ttlonly applies to 2026-07-28 servers
authorizationn/a · weight 15
  • n/a
    auth.prm, auth.as_metadata, auth.cimdno remote uses OAuth
  • n/a
    auth.secret_in_urlno templated URL
tool hygiene79 · weight 30
  • pass
    tools.descriptionsevery tool has a description
  • pass
    tools.description_lengthdescriptions are concise
  • pass
    tools.schemasevery tool has an object input schema
  • pass
    tools.annotations7 of 7 tools declare readOnlyHint or destructiveHint
  • fail
    tools.directory_hintsno tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: run_retirement_projection (destructiveHint, idempotentHint); run_tax_aware_projection (destructiveHint, idempotentHint); compare_return_assumptions (destructiveHint, idempotentHint); …
  • warn
    tools.token_costabout 9,895 tokens to load every tool
  • pass
    tools.api_dumptools are not a one-to-one API dump
stability75 · weight 15
  • warn
    stability.changes9 tool changes in 30 days
  • pass
    stability.rug_pullno tool changed its meaning under the same name
dependenciesn/a · weight 15
  • n/a
    deps.known_vulns, deps.mcp_sdk_version, deps.resolvableno npm or PyPI package

7 tools, about 9,895 tokens to load them all · tool set 8bb6d153d0d3 · tools last changed 2026-10-20 · checked 2026-10-20 13:49 UTC

Tool changes

  • compare_return_assumptionschangeddescription, input schema
    before

    Runs the same plan against several published capital market assumption sets and returns the success rate and median outcome under each, showing how far the answer moves with the return forecast used.

    after · 53% of words in common

    Runs the same plan against several published capital market assumption sets and returns the success rate and median outcome under each, showing how far the answer moves with the return forecast used. Every input is optional: omitted plan inputs use an illustrative plan (age 65, $1,000,000 saved, $40,000 a year spending) which the reply states in its first line.

  • optimize_social_security_claimingadded

    Searches every Social Security claiming age from 62 (or today's age) to 70 for the household's tax-aware plan: each age's benefit is the given benefit restated by the SSA reduction and delayed-retirement-credit rules, and each age runs the full tax-aware plan on the same simulated markets as the plan's own age. The score of a path is the after-tax estate minus unfunded spending (today's dollars); the result gives each age's success rate and median paired difference against the plan, the best age, and the 10th-90th percentile range. Requires a connected QuantCalc PRO licence. Long searches return a job_id: call again with only job_id to fetch the result.

  • compare_return_assumptionschangedinput schema
  • run_tax_aware_projectionchangedinput schema
  • run_retirement_projectionchangedinput schema
  • estimate_2026_tax_returnchangedinput schema
  • estimate_2026_tax_returnadded

    Estimates a household's 2026 federal and state income tax return from its 2026 income (wages, Social Security, IRA and 401(k) distributions, pensions, Roth conversions, interest, dividends, capital gains and losses), deductions, withholding and estimated payments, and returns the federal refund or amount owed, the state refund or amount owed, and both together; the main Form 1040 lines (total income, AGI, deduction, taxable income, tax, total tax) and the state's taxable income and tax; and every default assumed, the facts the state engine assumed, and what is not modelled. Computed by QuantCalc's federal and state tax APIs, the engines the website's 2026 Return Preview is checked against to the cent. Requires a connected QuantCalc PRO licence or Tax Season Pass; without one it returns no figures and names the free web calculator. An estimate, not a filed return and not tax advice.

  • run_tax_aware_projectionchangedinput schema
  • run_tax_aware_projectionchangedinput schema

Full history: list_changes · trend: quality JSON.

Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed. How it is computed.

Trust 95 / 100

provenance85
liveness98
freshness100
hygiene100

+repository +dns-namespace +website +reachable +uptime-94% +updated-10d-ago

Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed. How it is computed.

Endpoints

remoteauthreachableuptime 30dp50protocollast ok
https://mcp.quantcalc.app streamable-httpnoneyes94%452 ms2025-06-182026-10-20

Tools (7)

compare_return_assumptionsread-onlyRuns the same plan against several published capital market assumption sets and returns the success rate and median outcome under each, showing how far the answer moves with the return forecast used. Every input is optional: omitted plan inputs use an illustrative plan (age 65, $1,000,000 saved, $40,000 a year spending) which the reply states in its first line.
estimate_2026_tax_returnread-onlyEstimates a household's 2026 federal and state income tax return from its 2026 income (wages, Social Security, IRA and 401(k) distributions, pensions, Roth conversions, interest, dividends, capital gains and losses), deductions, withholding and estimated payments, and returns the federal refund or amount owed, the state refund or amount owed, and both together; the main Form 1040 lines (total income, AGI, deduction, taxable income, tax, total tax) and the state's taxable income and tax; and every default assumed, the facts the state engine assumed, and what is not modelled. Computed by QuantCalc's federal and state tax APIs, the engines the website's 2026 Return Preview is checked against to the cent. Requires a connected QuantCalc PRO licence or Tax Season Pass; without one it returns no figures and names the free web calculator. An estimate, not a filed return and not tax advice.
explain_methodologyread-onlyReturns what the QuantCalc engine models and what it deliberately leaves out, including the tax provisions that are out of scope, and links to the published methodology.
list_return_assumption_sourcesread-onlyReturns the published capital market assumption sets the engine carries and which components each publisher provides (returns, volatilities, correlations).
optimize_social_security_claimingread-onlySearches every Social Security claiming age from 62 (or today's age) to 70 for the household's tax-aware plan: each age's benefit is the given benefit restated by the SSA reduction and delayed-retirement-credit rules, and each age runs the full tax-aware plan on the same simulated markets as the plan's own age. The score of a path is the after-tax estate minus unfunded spending (today's dollars); the result gives each age's success rate and median paired difference against the plan, the best age, and the 10th-90th percentile range. Requires a connected QuantCalc PRO licence. Long searches return a job_id: call again with only job_id to fetch the result.
run_retirement_projectionread-onlyRuns a Monte Carlo retirement projection on the QuantCalc engine and returns the success rate, the ending-portfolio distribution, and the assumptions that produced them. The result states the return model that ran, the number of paths, and the income assumptions it used, including when there are none. Income tax is not modelled by this tool; run_tax_aware_projection models it.
run_tax_aware_projectionread-onlyRuns the retirement projection with the household's accounts split by tax type and returns the withdrawal order and Roth-conversion programme the engine selected, its present-value advantage and range against drawing traditional first, and the after-tax success rate. Federal and state income tax (50 states and DC), Social Security taxability, required minimum distributions, Medicare IRMAA surcharges and the early-withdrawal penalty are paid from the portfolio year by year; spending is what the household keeps after tax. The result states every assumption it used, including the defaults for inputs that were not given, and what the engine does not model.

Schemas: list_tools.

Similar MCP servers

Official server.json
{
  "name": "app.quantcalc/retirement-engine",
  "title": "QuantCalc Retirement Engine",
  "$schema": "https://static.modelcontextprotocol.io/schemas/2025-12-11/server.schema.json",
  "remotes": [
    {
      "url": "https://mcp.quantcalc.app",
      "type": "streamable-http"
    }
  ],
  "version": "1.2.0",
  "repository": {
    "url": "https://github.com/quantcalc-app/quantcalc-mcp-plugin",
    "source": "github"
  },
  "websiteUrl": "https://quantcalc.app/advisors/mcp/",
  "description": "Retirement Monte Carlo, tax-aware withdrawal and Roth-conversion plans, and a 2026 return estimate."
}