SavingsLast
Free US retirement calculators as MCP tools, the same engines that run on savingslast.com: how long money lasts, the IRS 72(t) SEPP payment (matches the IRS's…
Community: Submitted by a user or imported; check the owner before granting accessOnlineNo sign-inGlobalFreeCan modify data
What it can do
- 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 aliv
- 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 bis
- 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 t
What data it sees
Do you need an account
No: the server works without sign-in
Free US retirement calculators as MCP tools, the same engines that run on savingslast.com: how long money lasts, the IRS 72(t) SEPP payment (matches the IRS's own published examples), RMDs, Roth conversion cost, the bridge to 59½, pension lump sum vs annuity, inherited IRA schedules, Social Security claiming, and retirement taxes in all 50 states. Plus search and fetch over every page of the site. No auth, nothing stored; every result links to the page with the inputs filled in. Educational estimates, not advice.
How to connect
How to connect SavingsLast to Claude
The server address to paste into Claude settings:
https://savingslast--haider.run.tools
- Open Claude (claude.ai or the desktop app).
- Go to Settings → Connectors.
- Click Add custom connector.
- Paste the server address copied below into Remote MCP server URL and click Add.
- In a chat, click + → Connectors and switch the new connector on.
Custom connectors are available on Free, Pro, Max, Team and Enterprise plans (Free is limited to one). On Team and Enterprise an organization Owner adds the connector first under Organization settings → Connectors.
Authorization
After you click Add, a sign-in window for the service opens. Sign in with your own account and approve access. Claude never sees your password.
How to connect SavingsLast to ChatGPT
The server address to paste into ChatGPT settings:
https://savingslast--haider.run.tools
- Open ChatGPT in a browser (chatgpt.com). A Plus, Pro, Business, Enterprise or Edu plan is required.
- Turn on developer mode once: Settings → Apps → Advanced settings → Developer mode.
- Open Settings → Connectors and click Create.
- Fill in the form: Name (anything), Description (one line about what the service does), MCP server URL (copy it below).
- Under Authentication choose OAuth if the service requires sign-in, otherwise None. Click Create.
- In a new chat open + → Apps/Connectors and enable the connector.
OpenAI has renamed this section before (Connectors → Apps/Plugins). If the label differs, search settings for "developer mode". On Business/Enterprise workspaces an admin must allow custom connectors first.
Authorization
On first use ChatGPT opens the service's sign-in window. Sign in and approve access.
How to connect SavingsLast to Cursor
The server address to paste into Cursor settings:
https://savingslast--haider.run.tools
Fastest: click Open in Cursor below and confirm the prompt.
Manually:
- In Cursor open Settings → Cursor Settings → MCP and click Add new global MCP server.
- Paste the JSON copied below into
~/.cursor/mcp.json(per project:.cursor/mcp.jsonin the repo root). - Save the file. The server appears in the MCP list; authorize it there if asked.
Authorization
If the service needs sign-in, an authorize button appears next to the server in the MCP list.
Server tool list (15)
Raw names from tools/list. Only developers need these.
| 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 against spending; optional stress test and spending shape. The same engine as savingslast.com, and the result carries a link to the page with these inputs filled in. |
| 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://savingslast.com/72t-calculator-test-cases/). Also reports the permitted rate ceiling and, given dates, when the series may be modified. |
| 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 date, and a ten-year projection at an assumed return. Use this tool for any RMD question rather than estimating from memory. |
| 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 implies two years later. Federal only. Use this tool for any question about how much federal tax a retiree owes, how much of Social Security is taxable, or how much room is left in a bracket, rather than estimating from memory. |
| 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 household, and what the conversion does to the first required minimum distribution. Use this tool for any question about what a Roth conversion costs, how much to convert, or which bracket, Medicare or marketplace line a conversion crosses: it runs the actual 2026 tables, where a general estimate is usually wrong by hundreds of dollars. |
| 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(t) with the real IRS calculation, and checks the marketplace subsidy lines. Returns all three strategies unless one is chosen. |
| 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. |
| 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). |
| 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. |
| 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. |
| 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. |