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QuantCalc Retirement Engine

@quantcalcRun by its publisher: served from their own domain, namespace checked by the registry.MCP server · External

Retirement Monte Carlo, tax-aware withdrawal and Roth-conversion plans, and a 2026 return estimate.

Personal financev1.2.0MIT
Freeno charge per call
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One address for any MCP client. No sign-in needed on this server.

What it does

3 read2 act

Grouped by tool name. At most: only reads or looks up information.

What it costs

Free

Odel charges nothing per call. The publisher may charge for its own service.

Tools

5 · grouped by tool name · checked 9 Oct 2026

Read · 3Look things up

  • compare_return_assumptions
  • list_return_assumption_sources
  • explain_methodology

Act · 2Change something

  • run_retirement_projection
  • run_tax_aware_projection
Try it in the Inspector
README4 min read

QuantCalc Retirement Engine — Claude plugin

Gives Claude the retirement engine behind quantcalc.app, so a projection is computed rather than estimated.

A language model cannot run thousands of correlated return paths against a spending plan and get the odds right. It can ask something that can.

Privacy policy · Terms · Support: hello@quantcalc.app · Documentation

Install

Install from the Claude plugin directory. The plugin installs switched off, and you enable it when you want it. Step-by-step instructions are in SETUP.md. To use the server without the plugin, add it as a custom connector:

https://mcp.quantcalc.app

What's in the plugin

  • Connector: the hosted QuantCalc engine over streamable HTTP. No account or sign-in is needed.
  • Skill retirement-projections: loads when a plan, withdrawal rate or success rate comes up. It keeps the assumptions attached to every number and flags differences that fall inside the margin of error.
  • Skill setup: connection steps, what a licence key changes, and troubleshooting.

Tools

ToolReturns
run_retirement_projectionSuccess rate, ending-portfolio distribution, and the assumptions that produced them
run_tax_aware_projectionThe recommended withdrawal order and Roth-conversion programme, its present-value advantage and range against traditional-first, and the after-tax success rate, with federal and state tax, RMDs, IRMAA and Social Security taxation paid from the portfolio
compare_return_assumptionsThe same plan under each published capital market assumption set
list_return_assumption_sourcesWhich assumption sets the engine carries, and what each publisher provides
explain_methodologyWhat the engine models and what it deliberately leaves out
estimate_2026_tax_returnA 2026 federal and state return estimate: the refund or amount owed, the main Form 1040 lines, the state tax, every default assumed and what is not modelled. Needs a QuantCalc PRO or Tax Season Pass licence key

All six are read-only: they compute and return, and change nothing. Inputs are not kept after the run, except that a failed request is kept for two days to diagnose it.

What comes back with every number

A success rate is meaningless without its assumptions, and a summary will drop a caveat it was not handed explicitly. So each result states:

  • the return model that actually ran — reported by the engine, not by the request;
  • the number of paths and the real trial count behind the rate;
  • the income it assumed, including when it assumed none;
  • whether a correlation matrix had to be adjusted before running;
  • a plain warning when a run is not precise enough to show a client;
  • for the tax-aware tool: the spending convention (after tax — what the household keeps), every default assumed for an input that was not given, and the tax items the engine does not model.

Licence key

Optional. Without one, projections run at 2,000 paths (the 95% interval around a success rate is about ±1.5 points) and the tax-aware tool returns the first retirement year of its year-by-year schedule. A QuantCalc PRO key raises that to 10,000 paths (about ±0.7) and returns the full schedule. The tax engine itself — withdrawal order, Roth conversions, state tax — needs no key. The one exception is estimate_2026_tax_return, which needs a PRO or Tax Season Pass key (without one it returns nothing and points to the free web calculator at https://quantcalc.app/2026-tax-return-calculator/). The same key also unlocks the portfolio optimizer, glide paths, custom capital market assumptions and multi-period planning in the QuantCalc app. Those features are not tools in this plugin.

Set it in the plugin's configuration. It is sent as a connection header and never passes through the conversation.

Privacy

The server receives only the inputs of each tool call, never the conversation. A random session identifier is used to count runs for each installation. A licence key is removed before anything is logged. Details are in section 6 of the privacy policy.

Not advice

QuantCalc is calculation software, not financial advice. Methodology and the source of every figure: https://quantcalc.app/methodology.html. Tax scope and its explicit exclusions: https://quantcalc.app/tax-methodology/.

Licence

MIT — see LICENSE. This repository contains the plugin manifest, skills and documentation. The engine itself is a hosted service, published to the Official MCP Registry as app.quantcalc/retirement-engine under a DNS-verified namespace.

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