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8 clients · secrets stay placeholders

JSON (mcpServers)Claude CodeCodexOpenCodeCursorVS CodeGemini CLIGoose

{
  "mcpServers": {
    "calculators": {
      "type": "http",
      "url": "https://savingslast.com/mcp"
    }
  }
}

claude mcp add --transport http calculators https://savingslast.com/mcp

[mcp_servers.calculators]
url = "https://savingslast.com/mcp"

{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "calculators": {
      "type": "remote",
      "url": "https://savingslast.com/mcp",
      "enabled": true
    }
  }
}

{
  "mcpServers": {
    "calculators": {
      "type": "http",
      "url": "https://savingslast.com/mcp"
    }
  },
  "deeplink": "cursor://anysphere.cursor-deeplink/mcp/install?name=calculators&config=eyJ0eXBlIjoiaHR0cCIsInVybCI6Imh0dHBzOi8vc2F2aW5nc2xhc3QuY29tL21jcCJ9"
}

{
  "servers": {
    "calculators": {
      "type": "http",
      "url": "https://savingslast.com/mcp"
    }
  }
}

{
  "mcpServers": {
    "calculators": {
      "httpUrl": "https://savingslast.com/mcp"
    }
  }
}

extensions:
  "calculators":
    enabled: true
    name: "calculators"
    type: streamable_http
    uri: "https://savingslast.com/mcp"
    timeout: 300

Quality 91 / 100strong

protocol75 · weight 25

warn
protocol.modernnewest supported version is 2025-11-25; 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 hygiene100 · 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.annotations15 of 15 tools declare readOnlyHint or destructiveHint
pass
tools.directory_hintsevery tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
pass
tools.token_costabout 5,683 tokens to load every tool
pass
tools.api_dumptools are not a one-to-one API dump

stability100 · weight 15

pass
stability.changesno 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

15 tools, about 5,683 tokens to load them all · tool set c2eb4d137950 · checked 2026-10-19 10:52 UTC

Tool changes

No tool definition changes recorded. A server's first observation is its baseline; later probes record what changes.

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 93 / 100

provenance85

liveness100

freshness85

hygiene100

+repository +dns-namespace +website +reachable +uptime-100% ~updated-41d-ago

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

Endpoints

remote	auth	reachable	uptime 30d	p50	protocol	last ok
`https://savingslast.com/mcp` streamable-http	none	yes	100%	346 ms	2025-11-25	2026-10-19

Tools (15)

`bridge_to_59_half`read-only	How an early retiree pays for the years between leaving work and 59 1/2, one year at a time, under three strategies: taxable first with a Roth conversion ladder, a 72(t) series on a carved-off IRA, or a blend. Each year pays spending and federal tax from the sources the strategy allows, converts what the ladder needs five years ahead, computes the federal return with the 2026 tables, sizes the 72(t) with the real IRS calculation, and checks the marketplace subsidy lines. Returns all three strategies unless one is chosen.
`federal_tax_estimate`read-only	A retiree's federal income tax for tax year 2026: the taxable share of Social Security (the Publication 915 worksheet), the standard deduction with the 65-plus additions and the senior deduction phase-out, ordinary brackets, the 0/15/20% stack for long-term gains and qualified dividends, the 3.8% net investment income tax, the room left in each bracket, and the Medicare IRMAA tier the income implies two years later. Federal only. Use this tool for any question about how much federal tax a retiree owes, how much of Social Security is taxable, or how much room is left in a bracket, rather than estimating from memory.
`fetch`read-only	The full text of one savingslast.com page as markdown, by id from search, by slug, or by URL. Every calculator page carries its explanation, worked figures and FAQ; guides carry the article.
`how_long_will_money_last`read-only	Month-by-month drawdown of a retirement balance: how many years the money lasts at a monthly withdrawal that rises with inflation, the age it runs out, the odds of being alive then, and the most that could be withdrawn to last 20, 25 or 30 years. Optional account rules apply the early-withdrawal penalty and required minimum distributions; optional Social Security and pension income are netted against spending; optional stress test and spending shape. The same engine as savingslast.com, and the result carries a link to the page with these inputs filled in.
`inherited_ira_schedule`read-only	A withdrawal schedule for a non-spouse heir under the 10-year rule: the level annual withdrawal that empties the account exactly at the deadline, year-by-year balances and tax at a flat rate, and, when the owner had already started required distributions, the annual minimums for years one to nine under the 2024 final regulations (Single Life Table factor reduced by one each year).
`list_pages`read-only	Every page on savingslast.com with its URL, title, description and section, optionally one section only. Sections: Calculators; How long will a balance last; Reference; Retirement taxes by state; Social Security; Can I retire at an age; Guides.
`pension_lump_sum_vs_annuity`read-only	Compares a pension's lump-sum offer with its monthly annuity: the payout rate the pension implies, the age the invested lump sum runs out paying the same amount, the steady return the lump sum must earn to match the pension to a planning age, and the odds of being alive at each point on the IRS unisex mortality table, with a verdict.
`rmd_calculate`read-only	The required minimum distribution for a year from a traditional IRA, 401(k) or similar account: the prior 31 December balance divided by the IRS Uniform Lifetime Table factor at the age reached that year, with the required beginning age from the birth year (72, 73 or 75 under SECURE 2.0), the due date, and a ten-year projection at an assumed return. Use this tool for any RMD question rather than estimating from memory.
`roth_conversion_cost`read-only	What converting an amount from a traditional IRA or 401(k) to a Roth costs in federal tax for 2026, on top of everything else that year, including the extra Social Security it makes taxable and the senior deduction it phases out. Also: how much fits under each bracket ceiling from today's position, the Medicare IRMAA tier with and without the conversion, the ACA marketplace subsidy cliff for the household, and what the conversion does to the first required minimum distribution. Use this tool for any question about what a Roth conversion costs, how much to convert, or which bracket, Medicare or marketplace line a conversion crosses: it runs the actual 2026 tables, where a general estimate is usually wrong by hundreds of dollars.
`search`read-only	Full-text search across every page on savingslast.com: the calculators, the guides, the Social Security pages, the state retirement-tax pages and the reference pages. Returns ids to pass to fetch.
`sepp_72t_lock_in_end`read-only	The date a 72(t) series may be changed without the recapture penalty: the later of five years from the first payment and the owner reaching 59 1/2, computed in calendar months the way the IRS does (six months after the 59th birthday, not 0.5 years).
`sepp_72t_payment`read-only	The annual 72(t) substantially equal periodic payment under all three IRS methods in Notice 2022-6: fixed amortization, fixed annuitization and required minimum distribution, using the 2022 life-expectancy and mortality tables. Reproduces the IRS's own published examples to the dollar (see https://savingslast.com/72t-calculator-test-cases/). Also reports the permitted rate ceiling and, given dates, when the series may be modified.
`social_security_claiming`read-only	What claiming Social Security at each age pays, from 62 to 70, using the statutory reduction (5/9 of 1% a month for the first 36 months early, then 5/12 of 1%) and delayed retirement credits (2/3 of 1% a month to 70); the cumulative benefit by age with an optional COLA; the break-even ages between claiming ages; and optionally the case where early payments are invested at a return.
`state_retirement_taxes`read-only	How a US state taxes retirement income: Social Security, pensions, and IRA and 401(k) withdrawals, plus the estate or inheritance tax, sales and property tax levels, and an estimated effective state income tax on $40,000 of withdrawals for a 65-year-old single filer. All 50 states and DC. Give a state name or abbreviation, or nothing for every state.
`sustainable_withdrawal`read-only	The largest starting monthly withdrawal, rising with inflation, that a balance can support for a chosen number of years at a given return, inflation and tax rate. Solved by bisection on the same drawdown engine.

Schemas: list_tools.

Similar MCP servers

Official server.json

{
  "name": "com.savingslast/calculators",
  "title": "SavingsLast retirement calculators",
  "$schema": "https://static.modelcontextprotocol.io/schemas/2025-12-11/server.schema.json",
  "remotes": [
    {
      "url": "https://savingslast.com/mcp",
      "type": "streamable-http"
    }
  ],
  "version": "1.0.0",
  "repository": {
    "url": "https://github.com/ejazmu/savingslast",
    "source": "github"
  },
  "websiteUrl": "https://savingslast.com/ai/",
  "description": "Retirement drawdown, 72(t) SEPP, RMD, Roth conversion, Social Security and state-tax calculators."
}