QuantCalc Retirement Engine

Retirement Monte Carlo with a tax-aware withdrawal-order and Roth-conversion recommendation.

我该使用它吗

质量与安全性

A
描述质量
100%
模式完整度
72%
命名质量
92%
投毒风险
100%
权限匹配度
100%
协议合规性
100%

基于对工具定义和协议合规性的自动分析。

上下文开销

~2,105token 数(工具定义)
~4.3 KB典型响应大小
对注意力有中等影响(占 128k 上下文窗口的 1.64%)

这是每次将服务器的工具加载到模型上下文窗口时所消耗的大致 token 数。数值越高,可用于其他任务的注意力就越少。

安装

一键安装

将以下内容添加到你的 `claude_desktop_config.json` 文件中:

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

远程端点

https://mcp.quantcalc.appstreamable-http

它能做什么

工具清单

工具(5)

🟢 只读🟡 写入🔴 删除⚪ 未知
🟢run_retirement_projection(current_age, retirement_age, life_expectancy, current_savings, annual_spending, ...)

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.

输入模式

{
  "type": "object",
  "properties": {
    "current_age": {
      "type": "integer",
      "description": "Current age of the primary person."
    },
    "retirement_age": {
      "type": "integer",
      "description": "Age work income stops. Defaults to current age."
    },
    "life_expectancy": {
      "type": "integer",
      "description": "Age the plan must last until. Default 92."
    },
    "current_savings": {
      "type": "number",
      "description": "Total invested portfolio today, in dollars."
    },
    "annual_spending": {
      "type": "number",
      "description": "Planned yearly spending in today's dollars, before income tax (this tool runs the standard engine, which does not model tax)."
    },
    "monthly_contribution": {
      "type": "number",
      "description": "Monthly savings until retirement. Default 0."
    },
    "social_security": {
      "type": "number",
      "description": "Yearly Social Security in today's dollars. Default 0 — and 0 is reported as an explicit assumption, not hidden."
    },
    "ss_start_age": {
      "type": "integer",
      "description": "Age Social Security starts. Default 67."
    },
    "pension": {
      "type": "number",
      "description": "Yearly pension income. Default 0."
    },
    "pension_start_age": {
      "type": "integer",
      "description": "Age the pension starts. Default 65."
    },
    "inflation_rate": {
      "type": "number",
      "description": "Annual inflation as a percent, e.g. 2.5. Default 2.5."
    },
    "allocations": {
      "type": "array",
      "items": {
        "type": "number"
      },
      "minItems": 5,
      "maxItems": 5,
      "description": "Percentages summing to 100: [US stocks, international stocks, bonds, real estate, cash]. Default [60,10,25,5,0]."
    },
    "returns_source": {
      "type": "string",
      "description": "Which published return set to use (see list_return_assumption_sources). Default jpmorgan."
    }
  },
  "required": [
    "current_age",
    "current_savings",
    "annual_spending"
  ]
}
🟢run_tax_aware_projection(current_age, retirement_age, life_expectancy, annual_spending, monthly_contribution, ...)

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.

输入模式

{
  "type": "object",
  "properties": {
    "current_age": {
      "type": "integer",
      "description": "Current age of the primary person."
    },
    "retirement_age": {
      "type": "integer",
      "description": "Age work income stops. Defaults to current age."
    },
    "life_expectancy": {
      "type": "integer",
      "description": "Age the plan must last until. Default 92."
    },
    "annual_spending": {
      "type": "number",
      "description": "Planned yearly spending in today's dollars, after tax: what the household keeps. The engine withdraws enough each year to fund this plus that year's federal, state, Medicare-surcharge and penalty tax."
    },
    "monthly_contribution": {
      "type": "number",
      "description": "Monthly savings until retirement. Default 0."
    },
    "social_security": {
      "type": "number",
      "description": "Yearly Social Security in today's dollars. Default 0 — and 0 is reported as an explicit assumption, not hidden."
    },
    "ss_start_age": {
      "type": "integer",
      "description": "Age Social Security starts. Default 67."
    },
    "pension": {
      "type": "number",
      "description": "Yearly pension income. Default 0."
    },
    "pension_start_age": {
      "type": "integer",
      "description": "Age the pension starts. Default 65."
    },
    "inflation_rate": {
      "type": "number",
      "description": "Annual inflation as a percent, e.g. 2.5. Default 2.5."
    },
    "allocations": {
      "type": "array",
      "items": {
        "type": "number"
      },
      "minItems": 5,
      "maxItems": 5,
      "description": "Percentages summing to 100: [US stocks, international stocks, bonds, real estate, cash]. Default [60,10,25,5,0]."
    },
    "returns_source": {
      "type": "string",
      "description": "Which published return set to use (see list_return_assumption_sources). Default jpmorgan."
    },
    "traditional_balance": {
      "type": "number",
      "description": "Pre-tax retirement accounts today (traditional IRA, 401(k), 403(b)), in dollars. 0 if none."
    },
    "roth_balance": {
      "type": "number",
      "description": "Roth IRA and Roth 401(k) balance today, in dollars. 0 if none."
    },
    "taxable_balance": {
      "type": "number",
      "description": "Taxable brokerage and savings today, in dollars. 0 if none. The three balances together are the portfolio."
    },
    "filing_status": {
      "type": "string",
      "enum": [
        "single",
        "mfj",
        "mfs",
        "hoh"
      ],
      "description": "Federal filing status: single, married filing jointly (mfj), married filing separately (mfs) or head of household (hoh)."
    },
    "state": {
      "type": "string",
      "description": "Two-letter state of residence (or DC) for state income tax with that state's retirement-income rules. When absent the result states that no state tax was modelled."
    },
    "cost_basis_ratio": {
      "type": "number",
      "description": "Percentage of the taxable account that is cost basis, 0-100. Default 40, and the result says so when it is assumed."
    },
    "spouse_age": {
      "type": "integer",
      "description": "Spouse's current age, for married filing jointly: sets the second aged deduction and Medicare surcharge. Default: the same as current_age, stated in the result."
    },
    "medicare_start_age": {
      "type": "integer",
      "description": "Age Medicare (and its IRMAA income surcharges) begins. Default 65."
    },
    "annual_qcd": {
      "type": "number",
      "description": "Yearly qualified charitable distribution from the traditional account, in today's dollars, counted against required minimum distributions. Default 0."
    },
    "roth_conversion": {
      "type": "object",
      "description": "The household's own Roth-conversion plan: a fixed amount per year between two ages. When given, the engine applies it on every path and searches withdrawal orders around it instead of searching its own conversion programmes.",
      "properties": {
        "annual_amount": {
          "type": "number",
          "description": "Dollars converted per year, today's dollars."
        },
        "start_age": {
          "type": "integer"
        },
        "end_age": {
          "type": "integer"
        }
      },
      "required": [
        "annual_amount",
        "start_age",
        "end_age"
      ]
    },
    "tax_exempt_interest": {
      "type": "number",
      "description": "Yearly municipal-bond interest, which counts toward Social Security taxability and IRMAA income but is not itself taxed. Default 0."
    }
  },
  "required": [
    "current_age",
    "annual_spending",
    "traditional_balance",
    "roth_balance",
    "taxable_balance",
    "filing_status"
  ]
}
🟢compare_return_assumptions(current_age, retirement_age, life_expectancy, current_savings, annual_spending, ...)

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.

输入模式

{
  "type": "object",
  "properties": {
    "current_age": {
      "type": "integer",
      "description": "Current age of the primary person."
    },
    "retirement_age": {
      "type": "integer",
      "description": "Age work income stops. Defaults to current age."
    },
    "life_expectancy": {
      "type": "integer",
      "description": "Age the plan must last until. Default 92."
    },
    "current_savings": {
      "type": "number",
      "description": "Total invested portfolio today, in dollars."
    },
    "annual_spending": {
      "type": "number",
      "description": "Planned yearly spending in today's dollars, before income tax (this tool runs the standard engine, which does not model tax)."
    },
    "monthly_contribution": {
      "type": "number",
      "description": "Monthly savings until retirement. Default 0."
    },
    "social_security": {
      "type": "number",
      "description": "Yearly Social Security in today's dollars. Default 0 — and 0 is reported as an explicit assumption, not hidden."
    },
    "ss_start_age": {
      "type": "integer",
      "description": "Age Social Security starts. Default 67."
    },
    "pension": {
      "type": "number",
      "description": "Yearly pension income. Default 0."
    },
    "pension_start_age": {
      "type": "integer",
      "description": "Age the pension starts. Default 65."
    },
    "inflation_rate": {
      "type": "number",
      "description": "Annual inflation as a percent, e.g. 2.5. Default 2.5."
    },
    "allocations": {
      "type": "array",
      "items": {
        "type": "number"
      },
      "minItems": 5,
      "maxItems": 5,
      "description": "Percentages summing to 100: [US stocks, international stocks, bonds, real estate, cash]. Default [60,10,25,5,0]."
    },
    "returns_source": {
      "type": "string",
      "description": "Which published return set to use (see list_return_assumption_sources). Default jpmorgan."
    },
    "sources": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "Source ids to compare. Defaults to all."
    }
  },
  "required": [
    "current_age",
    "current_savings",
    "annual_spending"
  ]
}
🟢list_return_assumption_sources

Returns the published capital market assumption sets the engine carries and which components each publisher provides (returns, volatilities, correlations).

输入模式

{
  "type": "object",
  "properties": {}
}
🟢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.

输入模式

{
  "type": "object",
  "properties": {}
}

推荐提示词

list_items
List all [items] available in QuantCalc Retirement Engine
预期工具: list_return_assumption_sources
browse_collection
Show me the [collection] from QuantCalc Retirement Engine
预期工具: list_return_assumption_sources

社区

评价此服务器

证据

最近观测

已验证未记录版本5 个工具
已验证未记录版本4 个工具