# SavingsLast for AI assistants

> Connect Claude, ChatGPT, Cursor or any MCP client to every SavingsLast calculator at savingslast.com/mcp. Free, no key. Plus llms.txt and markdown for every page.

Source: https://savingslast.com/ai/
Markdown: https://savingslast.com/ai.md
Site: SavingsLast, free retirement drawdown calculators. Educational estimates, not advice.

Every calculator on this site is an MCP tool, and every page has a plain-text twin. Free, no key, no sign-up. Use it, cite it, build on it.

## Connect an MCP client

The endpoint is `https://savingslast.com/mcp`: Model Context Protocol over Streamable HTTP, no authentication, no session to manage.

### Claude

Claude.ai and the desktop app: Settings, Connectors, Add custom connector, paste the URL. Claude Code:

```
claude mcp add --transport http savingslast https://savingslast.com/mcp
```

### ChatGPT

Settings, Connectors, Create, paste the URL. The server carries the `search` and `fetch` tools ChatGPT's deep research expects, plus the calculators.

### Cursor, Windsurf, VS Code, Gemini CLI and the rest

Any client that reads a JSON config:

```
{ "mcpServers": { "savingslast": { "url": "https://savingslast.com/mcp" } } }
```

## The calculator tools

Each one is the engine behind the page of the same name, and each result carries a link to that page with the inputs filled in.

| Tool | What it does |
| --- | --- |
| `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withdrawal that rises with inflation, the age it runs out, the odds of being alive then, and the most that could be withdrawn to last 20, 25 or 30 years. |
| `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. |
| `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. |
| `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. |
| `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. |
| `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. |
| `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. |
| `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. |

## The page tools

The whole site, searchable: every calculator page's explanation and FAQ, the guides, the Social Security pages, the state retirement-tax pages and the reference pages.

| Tool | What it does |
| --- | --- |
| `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. |
| `fetch` | The full text of one savingslast.com page as markdown, by id from search, by slug, or by URL. |
| `list_pages` | Every page on savingslast.com with its URL, title, description and section, optionally one section only. |

Every page is also an MCP resource, so a client that reads resources sees the same list.

## Plain text for language models

- [/llms.txt](https://savingslast.com/llms.txt): an index of every page with a one-line description.
- [/llms-full.txt](https://savingslast.com/llms-full.txt): every page in one file.
- Any page as markdown: add `.md` to its path, for example [/72t-distribution-calculator.md](https://savingslast.com/72t-distribution-calculator.md). Each page also links to its twin with `rel="alternate"`.

## Crawling

[robots.txt](https://savingslast.com/robots.txt) allows every crawler, and names the AI crawlers so there is no doubt. There is nothing private here to protect, and the site exists to be found.

## Try it from a terminal

```
curl -s -X POST https://savingslast.com/mcp \
-H 'Content-Type: application/json' -H 'Accept: application/json, text/event-stream' \
-d '{"jsonrpc":"2.0","id":1,"method":"tools/call","params":{"name":"sepp_72t_payment","arguments":{"balance":400000,"age":50,"interest_rate":4}}}'
```

That is the IRS's own example: $400,000 at 50 with a 4% rate. The fixed amortization figure comes back as $21,102, which is the number the IRS publishes.

## Terms

Free for any use, including commercial, with attribution: link to the page URL each result carries. Everything is an educational estimate, not financial, tax or investment advice. Inputs sent to the endpoint are computed and returned, not logged or stored by us.

SavingsLast calculators are educational estimates. They assume a constant average return and steady inflation; real markets are volatile and sequence-of-returns risk can shorten how long money lasts. Nothing here is financial, investment, tax, or legal advice. Consult a qualified professional before making decisions.