QuantCalc Retirement Engine
Retirement Monte Carlo, tax-aware withdrawal and Roth-conversion plans, and a 2026 return estimate.
| Endpoint | https://mcp.quantcalc.app (streamable-http) |
|---|---|
| Registry version | 1.2.0 |
| Now | 7 tools · grade B (86) · pin ts_389f14580323311c6052f1f8387fdb52 · protocol 2025-06-18 |
| First / last listed | 2026-10-28 00:23 UTC / 2026-10-28 00:23 UTC |
| Grade over time | 2026-10-28: B (86), 7 tools |
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Tools: run_retirement_projection run_tax_aware_projection compare_return_assumptions list_return_assumption_sources explain_methodology estimate_2026_tax_return optimize_social_security_claiming
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. params: current_age*, retirement_age, life_expectancy, current_savings*, annual_spending*, monthly_contribution, social_security, ss_start_age, pension, pension_start_age, inflation_rate, allocations, returns_source, return_model, withdrawal_strategy, bucket_years |
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 surcharg params: current_age*, retirement_age, life_expectancy, annual_spending*, monthly_contribution, social_security, ss_start_age, pension, pension_start_age, inflation_rate, allocations, returns_source, return_model, withdrawal_strategy, bucket_years, pension_type, traditional_balance*, roth_balance*, taxable_balance*, filing_status*, state, cost_basis_ratio, spouse_age, medicare_start_age, birth_year, birth_month, annual_qcd, roth_conversion, tax_exempt_interest, aca_marketplace, itemized_deductions, roth_contribution_basis, roth_first_contribution_year, ira_basis, dependents, lifespan, annuity, spouse_split |
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 (age 65, $1,000,000 saved, $40,000 a year spending) which the reply states in its first line. params: current_age, retirement_age, life_expectancy, current_savings, annual_spending, monthly_contribution, social_security, ss_start_age, pension, pension_start_age, inflation_rate, allocations, returns_source, return_model, withdrawal_strategy, bucket_years, sources |
list_return_assumption_sources | Returns the published capital market assumption sets the engine carries and which components each publisher provides (returns, volatilities, correlations). params: none |
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. params: none |
estimate_2026_tax_return | 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 inco params: filing_status*, age*, state*, birth_month, spouse_age, spouse_birth_month, wages, spouse_wages, qualified_overtime, qualified_tips, social_security, ira_distributions, roth_conversion, pension, pension_type, spouse_split, spouse_ira_distributions, spouse_pension, spouse_roth_conversion, taxable_interest, tax_exempt_interest, ordinary_dividends, qualified_dividends, capital_gain_distributions, short_term_gains, long_term_gains, capital_loss_carryover_short_term, capital_loss_carryover_long_term, other_ordinary_income, state_local_income_tax_paid, real_estate_tax_paid, mortgage_interest, medical_expenses, charitable_cash, federal_withholding, estimated_payments, prior_year_tax, prior_year_agi, state_withholding, state_estimated_payments |
optimize_social_security_claiming | 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); params: current_age, retirement_age, life_expectancy, annual_spending, monthly_contribution, social_security, ss_start_age, pension, pension_start_age, inflation_rate, allocations, returns_source, return_model, withdrawal_strategy, bucket_years, pension_type, traditional_balance, roth_balance, taxable_balance, filing_status, state, cost_basis_ratio, spouse_age, medicare_start_age, birth_year, birth_month, annual_qcd, roth_conversion, tax_exempt_interest, aca_marketplace, itemized_deductions, roth_contribution_basis, roth_first_contribution_year, ira_basis, dependents, lifespan, annuity, spouse_split, job_id |
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