FIRE & retirement calculators + a multi-currency portfolio rebalancer (exact buy/sell trades).
Scored across 8 tools
Most tools have clearly distinct purposes: Coast FIRE milestone, FIRE target Monte Carlo, full wealth plan projection, return profiles, Swiss property tax, and three rebalancing-related tools. The main risk is the trio load_portfolio / get_rebalance_plan / rebalance_portfolio, which are related enough that an agent could pick the wrong one, though the descriptions do differentiate fetch-vs-compute-vs-open. calculate_fire_target vs project_wealth_plan also overlap conceptually but are separated by Monte Carlo success probability vs year-by-year cash flow modeling.
All names follow a verb_noun snake_case pattern (calculate_*, compute_*, get_*, load_*, project_*, rebalance_*), which is readable and predictable. The only inconsistency is using three different verbs (calculate, compute, project) for what is essentially the same 'run a calculation' operation, and two get_* tools with very different semantics.
Eight tools is a well-proportioned set for a financial-planning calculator server, and each covers a distinct calculation or workflow step. The only quibble is scope drift: load_portfolio and get_rebalance_plan are workflow/link tools rather than calculators, making the 'calculators' framing slightly broader than the contents.
The core FIRE/wealth-planning lifecycle is well covered: goal setting (fire_target, coast_fire), projection (project_wealth_plan), assumption grounding (portfolio_returns), tax (swiss_property_tax), and rebalancing compute/fetch/open. Minor gaps: the server itself has no tool to emit IBKR order instructions (it defers to an external connector) and no simple standalone compound/savings calculator, but agents can work around both.
Compute the Coast FIRE milestone — the capital required today such that, with no further contributions, a portfolio compounds to the user's retirement target by their target age.
Inputs: current_age (required), current_savings (required), target_retirement_age (required), annual_expenses_in_retirement (required), +6 more.
Estimate the savings target needed for Financial Independence / Early Retirement. Runs Monte Carlo simulation and returns the probability the portfolio survives the planning horizon.
Inputs: years (required), annual_expense (required), currency, inflation_rate, +4 more.
Estimate the Swiss cantonal real-estate capital gains tax (Grundstückgewinnsteuer) for a property sale. Covers all 26 cantons with holding-period adjustments and Ersatzbeschaffung (replacement-residence) deferral. Educational estimate; commune surcharges and value-enhancing-improvement deductions are not modeled.
Inputs: canton (required), sale_price (required), years_held (required), purchase_price (required), +2 more.
Return RetireCrunch's historical portfolio return profiles for a currency. Each profile is a (return %, volatility %) pair derived from real index data — useful for grounding the assumptions in calculate_fire_target / project_wealth_plan in something defensible rather than guessing.
Inputs: currency (required).
Fetch the rebalancing trades the user decided on in the RetireCrunch Rebalancer, from the plan code they copied ("Send plan to my AI"). Codes work once, for 15 minutes. Returns the trades with IBKR contract ids where known. To act on them, create one IBKR order instruction per trade (create_order_instruction); the user reviews and submits each one inside IBKR. RetireCrunch never places orders.
Inputs: code (required).
Open the user's Interactive Brokers portfolio in the RetireCrunch Portfolio Rebalancer. First call the IBKR connector's get_account_positions, get_account_balances and get_account_summary, then pass their results here UNCHANGED (do not re-type or round numbers). Returns a private link that works once, for 15 minutes — give it to the user exactly as written. No login is needed because the link itself is the key: the positions are encrypted with a key that exists only in the link, and RetireCrunch's server holds just that encrypted copy, which it cannot read, for at most 15 minutes and deletes it when the link is opened. Tell the user this, and that anyone holding the link can open it once, so it should not be shared. RetireCrunch does not recommend instruments or allocations: the user sets their own targets on the page.
Inputs: positions (required), summary, balances, language.
Run RetireCrunch's full year-by-year Wealth Plan projection for a household. Models earned income, pensions, expenses, portfolio growth (accumulating, distributing, or accumulating until a switch year), mortgage amortization, optional property sale, and region-aware tax (US uses 2026 federal+state brackets; other regions use a flat rate). Returns a compact summary with 5-year milestones by default, or the full annual array when yearly_detail=true.
Inputs: start_year (required), retirement_year (required), region, currency, +25 more.
Rebalance a multi-currency portfolio: given holdings, per-holding (or per-asset-class) target weights, cash and FX rates, return the exact BUY/SELL trades to reach the targets, the per-currency cash movements (flagging foreign-cash overdrafts), and a summary. It is the same plan the RetireCrunch Portfolio Rebalancer page makes: class goals drive holdings (locked holdings stay put, target_mode "custom" holdings keep their target_pct, the rest share the class goal pro-rata to value), with an optional buy-only mode, tolerance band and new money. The verdict says why there are trades or none (onTarget, locked, belowMinimum, …). Planning math only — no transaction costs or taxes.
Inputs: holdings (required), mode, fx_rates, new_money, +4 more.
Recent tool additions, removals, and schema changes observed during successful MCP inspections.
Retirement Monte Carlo, tax-aware withdrawals, 2026 tax calculators, RMD, IRMAA, every-state tax.
90+ pure finance calculators: loans, investing, bonds, options, tax. Stateless, stores nothing.
Retirement drawdown, 72(t) SEPP, RMD, Roth conversion, Social Security and state-tax calculators.
When can you retire? A FIRE plan from your numbers, graded by Monte Carlo and every year since 1872.
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