QuantCalc Retirement Engine

app.quantcalc/retirement-engineVersion 1.10.0

Retirement Monte Carlo, tax-aware withdrawals, 2026 tax calculators, RMD, IRMAA, every-state tax.

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Responds506 msNov 14, 2026, 13:38 UTCAnswered our handshake without sign-in.

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Last checked: Nov 14, 2026, 13:38 UTC
Latency: 506 ms
Remotes responding: 1 of 1
Sign-in: No sign-in
Hosting: Hosted outside the EU (detected)
Registry data as of: Nov 14, 2026, 21:12 UTC

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Connect

Streamable HTTP

https://mcp.quantcalc.app/Responds506 msNov 14, 2026, 13:38 UTC

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Claude Code

claude mcp add --transport http retirement-engine https://mcp.quantcalc.app/

Claude Desktop and claude.ai

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Settings > Connectors > Add custom connector
Name: retirement-engine
Remote MCP server URL: https://mcp.quantcalc.app/

Cursor

{
  "mcpServers": {
    "retirement-engine": {
      "url": "https://mcp.quantcalc.app/"
    }
  }
}

VS Code

code --add-mcp '{"name":"retirement-engine","type":"http","url":"https://mcp.quantcalc.app/"}'

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Tools

11 tools

Tools of QuantCalc Retirement Engine
	Description		Read-only	Idempotent	Open world
`aca_premium_tax_credit`Returns a household's 2027 ACA marketplace position from its state, the ages on the plan, household size and income: the county's benchmark (second-lowest-cost silver) premium from CMS's plan-year-2027 files for the HealthCare.gov states, or a given one; the poverty line that sets 2027 credits (2026 HHS guidelines) and the income as a percentage of it; the 400% cliff income and the headroom below it or the amount over it; and whether the income is below the Medicaid line of an expansion state or below the poverty line. The premium tax credit itself is not figured. Not tax advice.	Returns a household's 2027 ACA marketplace position from its state, the ages on the plan, household size and income: the county's benchmark (second-lowest-cost silver) premium from CMS's plan-year-2027 files for the HealthCare.gov states, or a given one; the poverty line that sets 2027 credits (2026 HHS guidelines) and the income as a percentage of it; the 400% cliff income and the headroom below it or the amount over it; and whether the income is below the Medicaid line of an expansion state or below the poverty line. The premium tax credit itself is not figured. Not tax advice.	Not declared	Yes	Not declared	Yes
`calculate_rmd`Computes the required minimum distribution for 2026 or 2027 from the prior year-end balance and the age or birth year, on the IRS Uniform Lifetime Table, or the Joint and Last Survivor Table when the spouse is the sole beneficiary and more than 10 years younger; returns the divisor, the deadline, the SECURE 2.0 start age (73, or 75 for those born 1960 or later), the first-year April 1 option and the two RMDs it stacks into one year, and a multi-year projection with growth. The same figures as the website's RMD calculator.	Computes the required minimum distribution for 2026 or 2027 from the prior year-end balance and the age or birth year, on the IRS Uniform Lifetime Table, or the Joint and Last Survivor Table when the spouse is the sole beneficiary and more than 10 years younger; returns the divisor, the deadline, the SECURE 2.0 start age (73, or 75 for those born 1960 or later), the first-year April 1 option and the two RMDs it stacks into one year, and a multi-year projection with growth. The same figures as the website's RMD calculator.	Not declared	Yes	Not declared	Yes
`compare_return_assumptions`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, which the reply states in its first line.	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, which the reply states in its first line.	Not declared	Yes	Not declared	Yes
`explain_methodology`Returns 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.	Returns 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.	Not declared	Yes	Not declared	Yes
`ira_deduction_and_roth_limit`Runs IRS Publication 590-A Worksheet 1-2 (the deductible part of a traditional IRA contribution when you or your spouse is covered by a plan at work) and Worksheet 2-2 (the reduced Roth IRA contribution limit) for 2026 or 2027 on a given modified AGI, line by line, with the age-50 catch-up, the compensation cap, the spousal IRA rule and the worksheets' rounding and minimum; returns the deductible and nondeductible parts of a traditional contribution, the Roth IRA limit and the Roth room left. The limits and ranges are the website's IRA and Roth income-limit pages' own figures (the 2027 limit and ranges are the IRS's published figures, IRS Notice 2026-66). Not tax advice.	Runs IRS Publication 590-A Worksheet 1-2 (the deductible part of a traditional IRA contribution when you or your spouse is covered by a plan at work) and Worksheet 2-2 (the reduced Roth IRA contribution limit) for 2026 or 2027 on a given modified AGI, line by line, with the age-50 catch-up, the compensation cap, the spousal IRA rule and the worksheets' rounding and minimum; returns the deductible and nondeductible parts of a traditional contribution, the Roth IRA limit and the Roth room left. The limits and ranges are the website's IRA and Roth income-limit pages' own figures (the 2027 limit and ranges are the IRS's published figures, IRS Notice 2026-66). Not tax advice.	Not declared	Yes	Not declared	Yes
`irmaa_check`Returns the Medicare IRMAA tier a MAGI sets: the official 2026 tier (from 2024 MAGI) and the 2027 and 2028 tiers (from 2025 and 2026 MAGI) on the tables as QuantCalc projects them, labelled projected; with each the monthly Part B and Part D surcharge per person, the annual total for the people on Medicare, and the distance to the next tier. Reads the same CMS tables as the website's IRMAA calculator.	Returns the Medicare IRMAA tier a MAGI sets: the official 2026 tier (from 2024 MAGI) and the 2027 and 2028 tiers (from 2025 and 2026 MAGI) on the tables as QuantCalc projects them, labelled projected; with each the monthly Part B and Part D surcharge per person, the annual total for the people on Medicare, and the distance to the next tier. Reads the same CMS tables as the website's IRMAA calculator.	Not declared	Yes	Not declared	Yes
`list_return_assumption_sources`Returns the published capital market assumption sets the engine carries and which components each publisher provides (returns, volatilities, correlations).	Returns the published capital market assumption sets the engine carries and which components each publisher provides (returns, volatilities, correlations).	Not declared	Yes	Not declared	Yes
`retirement_plan_deferral_savings`Returns the 2026 or 2027 elective-deferral limit for a 401(k), 403(b), governmental 457(b), the TSP or a SIMPLE IRA at an age: the base limit, the age-50 and ages 60-63 catch-ups, the SIMPLE higher limit, a non-governmental 457(b) without a catch-up, the part of the catch-up the Roth catch-up wage rule sends in as Roth, and the amount a deferral is figured on when it is over the limit or over the wages. It states that a deferral saves no Social Security or Medicare tax. The limits are the website's contribution-limit pages' own figures (the 2027 limits are the IRS's published figures, IRS Notice 2026-66). Not tax advice.	Returns the 2026 or 2027 elective-deferral limit for a 401(k), 403(b), governmental 457(b), the TSP or a SIMPLE IRA at an age: the base limit, the age-50 and ages 60-63 catch-ups, the SIMPLE higher limit, a non-governmental 457(b) without a catch-up, the part of the catch-up the Roth catch-up wage rule sends in as Roth, and the amount a deferral is figured on when it is over the limit or over the wages. It states that a deferral saves no Social Security or Medicare tax. The limits are the website's contribution-limit pages' own figures (the 2027 limits are the IRS's published figures, IRS Notice 2026-66). Not tax advice.	Not declared	Yes	Not declared	Yes
`run_retirement_projection`Runs 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.	Runs 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.	Not declared	Yes	Not declared	Yes
`run_tax_aware_projection`Runs 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.	Runs 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.	Not declared	Yes	Not declared	Yes
`standard_deduction_vs_itemizing`Returns the 2026 or 2027 standard deduction piece by piece: the basic amount for the filing status, the additional amount for each person 65 or older or blind, a dependent's limit, and the rule that a married person filing separately whose spouse itemizes must itemize; with anyone 65 or older it also states the senior deduction's maximum before its phase-out. The amounts are the website's standard deduction pages' own figures (2027: the IRS's published amounts, Rev. Proc. 2026-35). Not tax advice.	Returns the 2026 or 2027 standard deduction piece by piece: the basic amount for the filing status, the additional amount for each person 65 or older or blind, a dependent's limit, and the rule that a married person filing separately whose spouse itemizes must itemize; with anyone 65 or older it also states the senior deduction's maximum before its phase-out. The amounts are the website's standard deduction pages' own figures (2027: the IRS's published amounts, Rev. Proc. 2026-35). Not tax advice.	Not declared	Yes	Not declared	Yes

Details

Registry status: Active
Published: Nov 10, 2026
Updated: Nov 10, 2026
Website: https://quantcalc.app/advisors/mcp/⁠ (opens in a new tab)
Repository: https://github.com/quantcalc-app/quantcalc-mcp-plugin⁠ (opens in a new tab)
Categories: Uncategorized
GDPR: Not declared

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