Calculators
Official6 toolsby retirecrunch
FIRE & retirement calculators + a multi-currency portfolio rebalancer (exact buy/sell trades).
Calculate FIRE retirement scenarios and rebalance multi-currency portfolios with exact trades.
Captured live from the server via tools/list.
calculate_fire_target
Estimate the savings target needed for Financial Independence / Early Retirement. Runs Monte Carlo simulation and returns the probability the portfolio survives the planning horizon.
Parameters (8)
- annual_expensenumberrequired
Projected annual spending in retirement (in selected currency).
- yearsintegerrequired
Planning horizon in years.
- current_savingsnumber
Current liquid + invested assets.
- currencystring
- portfolio_return_ratenumber
Expected real annual return %.
- portfolio_volatilitynumber
Annual return standard deviation %.
- apply_inflationboolean
- inflation_ratenumber
calculate_coast_fire
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.
Parameters (10)
- current_ageintegerrequired
- target_retirement_ageintegerrequired
- current_savingsnumberrequired
- annual_expenses_in_retirementnumberrequired
- currencystring
- expected_return_ratenumber
- inflation_ratenumber
- safe_withdrawal_ratenumber
- monthly_savingsnumber
- portfolio_volatilitynumber
compute_swiss_property_tax
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.
Parameters (6)
- cantonstringrequired
Canton code (ZH, BE, ..., JU).
- sale_pricenumberrequired
- purchase_pricenumberrequired
- years_heldnumberrequired
- ersatzbeschaffungboolean
Reinvest proceeds into a replacement primary residence.
- ersatzbeschaffung_amountnumber
Amount reinvested (caps the tax deferral).
project_wealth_plan
Run RetireCrunch's full year-by-year Wealth Plan projection for a household. Models earned income, pensions, expenses, portfolio growth, optional growth→income phase switch, 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.
Parameters (28)
- regionstring
Country regime — drives tax model (US uses bracket-based federal/state; others a flat rate).
- currencystring
- start_yearintegerrequired
First year of the projection (typically the current year).
- retirement_yearintegerrequired
Year retirement begins.
- plan_horizon_yearsinteger
Total years to project from start_year.
- current_earned_incomenumber
Annual gross earned income today.
- current_living_costsnumber
Annual general living expenses today.
- current_housing_expensesnumber
Annual housing expenses today.
- current_other_expensesnumber
Annual other expenses today.
- estimated_tax_ratenumber
Pre-retirement effective tax rate (%).
- post_retirement_tax_ratenumber
Post-retirement effective tax rate (%).
- current_liquiditynumber
- current_investment_portfolionumber
- current_propertynumber
- current_mortgagenumber
- inflation_ratenumber
Annual inflation %.
- portfolio_return_ratenumber
Annual real portfolio return %.
- portfolio_volatilitynumber
Return std dev %; 0 = deterministic.
- portfolio_switch_enabledboolean
- portfolio_switch_yearinteger
Year to switch from growth to income phase. Defaults to retirement_year if omitted.
- income_yield_ratenumber
Annual yield % during the income phase.
- household_typestring
- partner_early_death_years_before_endinteger
- partner_survivor_expense_factornumber
- property_sale_enabledboolean
- property_sale_yearinteger
- property_sale_destinationstring
- yearly_detailboolean
When true, include the full year-by-year array in the response. When false (default), return a compact summary plus 5-year milestones.
get_portfolio_returns
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.
Parameters (1)
- currencystringrequired
Currency code; the historical return profiles are denominated in this currency.
rebalance_portfolio
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. Planning math only — no transaction costs or taxes.
Parameters (5)
- base_currencystring
Base currency the portfolio is valued in.
- fx_ratesobject
Value of 1 unit of each currency in the base currency (base currency itself is 1).
- available_cashobject
Cash held per currency, keyed by ISO code.
- holdingsarrayrequired
The portfolio holdings to rebalance.
- class_targetsobject
Optional per-asset-class goal % (incl. "Cash"). When given, unlocked holdings are retargeted to hit each class goal before computing trades.
README not available yet.
Install
Remote endpoint
Streamable HTTPHosted server - connect over the network, no local install.
https://mcp.retirecrunch.com/mcpclaude_desktop_config.json
{
"mcpServers": {
"calculators": {
"command": "npx",
"args": [
"-y",
"mcp-remote",
"https://mcp.retirecrunch.com/mcp"
]
}
}
}Desktop config is stdio-only; this bridges via mcp-remote. Native remote: Settings > Connectors.