SavingsLast retirement calculators
Retirement drawdown, 72(t) SEPP, RMD, Roth conversion, Social Security and state-tax calculators.
| Endpoint | https://savingslast.com/mcp (streamable-http) |
|---|---|
| Registry version | 1.0.0 |
| Now | 15 tools · grade B (88) · pin ts_c27ac3547dba3cc5c2c2e13200801162 · protocol 2025-06-18 |
| First / last listed | 2026-10-28 00:18 UTC / 2026-10-28 00:18 UTC |
| Grade over time | 2026-10-28: B (88), 15 tools |
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Tools: how_long_will_money_last sustainable_withdrawal sepp_72t_payment sepp_72t_lock_in_end rmd_calculate federal_tax_estimate roth_conversion_cost bridge_to_59_half pension_lump_sum_vs_annuity inherited_ira_schedule social_security_claiming state_retirement_taxes search fetch list_pages
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withdrawal that rises with inflation, the age it runs out, the odds of being alive then, and the most that could be withdrawn to last 20, 25 or 30 years.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 agai params: monthly_withdrawal*, balance*, annual_return, inflation, tax_rate, age, account, social_security_monthly, social_security_from_age, pension_monthly, pension_rises_with_inflation, spending_shape, stress_test |
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 drawdown engine. params: years, balance*, annual_return, inflation, tax_rate, age, account, social_security_monthly, social_security_from_age, pension_monthly, pension_rises_with_inflation, spending_shape, stress_test |
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-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 params: balance*, age*, interest_rate, method, table, beneficiary_age, joint_factor, federal_midterm_120, birth_date, first_payment_date |
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 (six months after the 59th birthday, not 0.5 years). params: birth_date*, first_payment_date* |
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 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 e params: balance*, birth_year*, distribution_year, expected_return, spouse_sole_beneficiary_more_than_10_years_younger |
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-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 impli params: filing_status, ordinary_income, capital_gains, social_security, tax_exempt_interest, ages |
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 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 h params: filing_status, ordinary_income, capital_gains, social_security, tax_exempt_interest, ages, conversion_amount*, household_size, aca_marketplace, pretax_balance, expected_return |
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 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( params: age*, filing_status, household_size, annual_spending*, other_income, taxable_brokerage, cost_basis_percent, pretax_balance, roth_balance, roth_contribution_basis, cash, expected_return, inflation, strategy, sepp_share_percent, cap_aca |
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 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. params: lump_sum*, monthly_pension*, age*, cola, expected_return, planning_age |
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, 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). params: balance*, years_remaining, your_age, expected_return, tax_rate, owner_had_started_rmds |
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% 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. params: benefit_at_full_retirement_age*, full_retirement_age, cola, invest_return, claim_ages |
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 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. params: state |
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. params: query*, limit |
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. params: id* |
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; Social Security; Can I retire at an age; Guides. params: section |
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