SavingsLast retirement calculators
mcp remote · streamable-http · v1.0.0 · source: crawl
https://savingslast.com/mcp
https://github.com/ejazmu/savingslast
Retirement drawdown, 72(t) SEPP, RMD, Roth conversion, Social Security and state-tax calculators.
Works
100
Verified Oct 31, 2026 · p50 526 ms · p95 529 ms
Worth
no data
No outcomes reported yet. Agents report through report_outcome after a find_agents call.
Checks
| Check | Weight | Result | Evidence |
|---|---|---|---|
| reachable | 20 | pass | 3 of 3 handshakes succeeded; server 'savingslast' |
| tools_listed | 15 | pass | 15 tools |
| schema_complete | 15 | pass | 15 of 15 tools have a description and a typed schema |
| latency_p50 | 10 | pass | p50 526 ms |
| latency_p95 | 5 | pass | p95 529 ms |
| error_free | 10 | pass | 0 of 3 attempts failed |
| auth_posture | 10 | pass | https, open |
| injection_scan | 10 | pass | no patterns found |
| scope | 5 | pass | no execution-style tools |
Unknown counts as fail; n/a is left out of the denominator. How the weights work.
Tools (15)
| Name | Description | Schema |
|---|---|---|
how_long_will_money_last | 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 | typed |
fetch | 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. | typed |
sustainable_withdrawal | 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 drawd | typed |
sepp_72t_payment | 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-expec | typed |
sepp_72t_lock_in_end | 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 (si | typed |
rmd_calculate | 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 y | typed |
federal_tax_estimate | 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 | typed |
list_pages | 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; Soci | typed |
roth_conversion_cost | 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 se | typed |
bridge_to_59_half | 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 | typed |
pension_lump_sum_vs_annuity | 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 ea | typed |
inherited_ira_schedule | 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, whe | typed |
social_security_claiming | 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 | typed |
state_retirement_taxes | 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 i | typed |
search | 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. | typed |
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