com.savingslast/calculators · v1.0.0 · finance-and-payments
SavingsLast retirement calculators is healthy: it completed an MCP handshake in 3202 ms and exposes 15 tools.
Retirement drawdown, 72(t) SEPP, RMD, Roth conversion, Social Security and state-tax calculators.
Endpoint: https://savingslast.com/mcp (streamable-http)
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| Users (last 30 days) | 0 |
| Handshake | Healthy |
| Auth needed | None |
| Tool count | 15 |
| Latency | 3202 ms |
| Last checked (UTC) | 2026-10-14T21:40:53.961Z |
| Checked (UTC) | Status | Latency | Error |
|---|---|---|---|
| 2026-10-14T21:40:53.961Z | Healthy | 3202 |
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withdrawal that rises with inflation, the age it runs out, the odds of being alive then, and the most that could be withdrawn to last 20, 25 or 30 years.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 pen |
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. |
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://s |
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). |
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 da |
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% ne |
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, |
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 wha |
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 unis |
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 un |
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 c |
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 sta |
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. |
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. |
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. |