Retirement Atlas

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io.github.Keith-CY/retirement-atlas-mcpv1.0.0

Retirement projections for 37 countries: UK drawdown, Australian super, pension income gaps.

Finance & Payments

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calculate_australia_super Read-only

Projects an Australian superannuation balance to retirement (employer contributions, salary sacrifice, after-tax contributions, contribution tax and current caps, fees, inflation) and then retirement spending: the balance at retirement in nominal and today's dollars, a level annual budget, the gap to a target income and the age the money runs out. The Age Pension amount is an input; eligibility is not calculated. All fields are required; amounts in AUD, rates in percent per year.

ageinteger, required

Current age; whole years.

feesnumber, required

Annual percentage fee, percent

endAgeinteger, required

Projection end age; must exceed retirement age; whole years.

growthnumber, required

Nominal annual return after investment earnings tax, before fees, percent

salarynumber, required

Annual salary excluding super, AUD

balancenumber, required

Current super balance, AUD

afterTaxnumber, required

After-tax contribution, AUD per month in today's money

inflationnumber, required

Annual inflation, percent

agePensionnumber, required

User-supplied Age Pension estimate, AUD per year in today's money; eligibility not calculated

pensionAgeinteger, required

User-supplied Age Pension payment start age; whole years.

employerRatenumber, required

Employer contribution assumption, percent of salary; not a payroll liability calculation

salaryGrowthnumber, required

Nominal annual salary growth, percent

targetIncomenumber, required

Target retirement spending, AUD per year in today's money

retirementAgeinteger, required

Retirement age; at least current age and 60; accumulation ends by 75; whole years.

annualFixedFeesnumber, required

Fixed fees, AUD per year in today's money

salarySacrificenumber, required

Extra pre-tax contribution, AUD per month in today's money

include_projectionboolean

Also return annual cash-flow rows (default false: a compact summary).

Try it

Call this server's tools from your browser. Nothing to install.

https://retirement-atlas.pages.dev/mcp

Requests go through mcptry because browsers can't call most MCP servers directly. Header values are sent to the server for that request only and are never stored or logged.

Tool list from our last check. Connect live to refresh it.

calculate_australia_super Read-only

ageinteger, required

Current age; whole years.

feesnumber, required

Annual percentage fee, percent

endAgeinteger, required

Projection end age; must exceed retirement age; whole years.

growthnumber, required

Nominal annual return after investment earnings tax, before fees, percent

salarynumber, required

Annual salary excluding super, AUD

balancenumber, required

Current super balance, AUD

afterTaxnumber, required

After-tax contribution, AUD per month in today's money

inflationnumber, required

Annual inflation, percent

agePensionnumber, required

User-supplied Age Pension estimate, AUD per year in today's money; eligibility not calculated

pensionAgeinteger, required

User-supplied Age Pension payment start age; whole years.

employerRatenumber, required

Employer contribution assumption, percent of salary; not a payroll liability calculation

salaryGrowthnumber, required

Nominal annual salary growth, percent

targetIncomenumber, required

Target retirement spending, AUD per year in today's money

retirementAgeinteger, required

Retirement age; at least current age and 60; accumulation ends by 75; whole years.

annualFixedFeesnumber, required

Fixed fees, AUD per year in today's money

salarySacrificenumber, required

Extra pre-tax contribution, AUD per month in today's money

include_projectionboolean

Also return annual cash-flow rows (default false: a compact summary).

Tools (4)

calculate_australia_super

read-only

Argument	Type	Description
age*	integer	Current age; whole years.
fees*	number	Annual percentage fee, percent
endAge*	integer	Projection end age; must exceed retirement age; whole years.
growth*	number	Nominal annual return after investment earnings tax, before fees, percent
salary*	number	Annual salary excluding super, AUD
balance*	number	Current super balance, AUD
afterTax*	number	After-tax contribution, AUD per month in today's money
inflation*	number	Annual inflation, percent
agePension*	number	User-supplied Age Pension estimate, AUD per year in today's money; eligibility not calculated
pensionAge*	integer	User-supplied Age Pension payment start age; whole years.
employerRate*	number	Employer contribution assumption, percent of salary; not a payroll liability calculation
salaryGrowth*	number	Nominal annual salary growth, percent
targetIncome*	number	Target retirement spending, AUD per year in today's money
retirementAge*	integer	Retirement age; at least current age and 60; accumulation ends by 75; whole years.
annualFixedFees*	number	Fixed fees, AUD per year in today's money
salarySacrifice*	number	Extra pre-tax contribution, AUD per month in today's money
include_projection	boolean	Also return annual cash-flow rows (default false: a compact summary).

Input schema (JSON)

{
  "type": "object",
  "required": [
    "age",
    "retirementAge",
    "endAge",
    "balance",
    "salary",
    "employerRate",
    "salarySacrifice",
    "afterTax",
    "growth",
    "fees",
    "annualFixedFees",
    "inflation",
    "salaryGrowth",
    "targetIncome",
    "agePension",
    "pensionAge"
  ],
  "properties": {
    "age": {
      "type": "integer",
      "maximum": 100,
      "minimum": 18,
      "description": "Current age; whole years."
    },
    "fees": {
      "type": "number",
      "maximum": 5,
      "minimum": 0,
      "description": "Annual percentage fee, percent"
    },
    "endAge": {
      "type": "integer",
      "maximum": 110,
      "minimum": 61,
      "description": "Projection end age; must exceed retirement age; whole years."
    },
    "growth": {
      "type": "number",
      "maximum": 20,
      "minimum": -20,
      "description": "Nominal annual return after investment earnings tax, before fees, percent"
    },
    "salary": {
      "type": "number",
      "maximum": 1000000,
      "minimum": 0,
      "description": "Annual salary excluding super, AUD"
    },
    "balance": {
      "type": "number",
      "maximum": 5000000,
      "minimum": 0,
      "description": "Current super balance, AUD"
    },
    "afterTax": {
      "type": "number",
      "maximum": 20000,
      "minimum": 0,
      "description": "After-tax contribution, AUD per month in today's money"
    },
    "inflation": {
      "type": "number",
      "maximum": 10,
      "minimum": 0,
      "description": "Annual inflation, percent"
    },
    "agePension": {
      "type": "number",
      "maximum": 100000,
      "minimum": 0,
      "description": "User-supplied Age Pension estimate, AUD per year in today's money; eligibility not calculated"
    },
    "pensionAge": {
      "type": "integer",
      "maximum": 100,
      "minimum": 67,
      "description": "User-supplied Age Pension payment start age; whole years."
    },
    "employerRate": {
      "type": "number",
      "maximum": 30,
      "minimum": 0,
      "description": "Employer contribution assumption, percent of salary; not a payroll liability calculation"
    },
    "salaryGrowth": {
      "type": "number",
      "maximum": 10,
      "minimum": 0,
      "description": "Nominal annual salary growth, percent"
    },
    "targetIncome": {
      "type": "number",
      "maximum": 500000,
      "minimum": 0,
      "description": "Target retirement spending, AUD per year in today's money"
    },
    "retirementAge": {
      "type": "integer",
      "maximum": 100,
      "minimum": 60,
      "description": "Retirement age; at least current age and 60; accumulation ends by 75; whole years."
    },
    "annualFixedFees": {
      "type": "number",
      "maximum": 10000,
      "minimum": 0,
      "description": "Fixed fees, AUD per year in today's money"
    },
    "salarySacrifice": {
      "type": "number",
      "maximum": 10000,
      "minimum": 0,
      "description": "Extra pre-tax contribution, AUD per month in today's money"
    },
    "include_projection": {
      "type": "boolean",
      "description": "Also return annual cash-flow rows (default false: a compact summary)."
    }
  },
  "additionalProperties": false
}

calculate_retirement_income_gap

Retirement income gap for one of 35 countries (nl, se, dk, no, fi, is, cz, at, ch, pt, us, cn, de, jp, in, fr, it, ca, br, ru, kr, mx, es, id, tr, sa, pl, be, ar, ie, ae, sg, il, th, nz): from accessible savings, monthly saving, retirement spending and up to three pension streams the user enters (after tax, in today's money), the savings at retirement, the capital needed, the capital gap, the first-year monthly gap and the age the money runs out. It does not calculate national pension entitlements. All fields are required; amounts in the country's currency (see list_retirement_calculators), rates in percent per year; use monthly 0 for unused pension streams.

read-only

Argument	Type	Description
age*	integer	Current age; whole years.
endAge*	integer	Projection end age; must exceed retirement age; whole years.
balance*	number	Accessible savings in country currency; exclude capital behind entered pension payments
country*	string	Country code from list_retirement_calculators (not uk or au, which have their own tools).
incomes*	array	Exactly three user-supplied pension streams. Use zero monthly amount for unused streams. No entitlement or tax estimation.

calculate_uk_pension_drawdown

Projects UK pension drawdown month by month: the pot after any upfront tax-free cash, first-year net income after an estimate of UK or Scottish income tax, the age the pot runs out (if it does) and the final balance. The user's State Pension forecast is an input; it is never inferred. All fields are required; amounts in GBP, rates in percent per year.

read-only

Argument	Type	Description
age*	integer	Starting age; does not establish pension access; whole years.
pot*	number	Starting pension capital, GBP
fees*	number	Annual percentage fee, percent
endAge*	integer	End of projection; must exceed age; whole years.
growth*	number	Nominal annual investment return, percent before fees
region*	string	Standard non-savings income tax region.
inflation*	number	Annual inflation, percent

list_retirement_calculators

Lists Retirement Atlas's 37 countries: country code, currency, which calculation each uses (uk-drawdown, au-super or income-gap), the calculator page, the methodology and official reference sources. With a country code, returns that country only, with its full input schema.

read-only

Argument	Type	Description
country	string	Optional country code, e.g. "uk", "au", "us", "de", "jp".

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "country": {
      "type": "string",
      "maxLength": 8,
      "description": "Optional country code, e.g. \"uk\", \"au\", \"us\", \"de\", \"jp\"."
    }
  },
  "additionalProperties": false
}

{ "type": "object", "required": [ "country", "age", "retirementAge", "endAge", "balance", "monthlySaving", "spending", "netReturn", "inflation", "incomes" ], "properties": { "age": { "type": "integer", "maximum": 100, "minimum": 18, "description": "Current age; whole years." }, "endAge": { "type": "integer", "maximum": 110, "minimum": 19, "description": "Projection end age; must exceed retirement age; whole years." }, "balance": { "type": "number", "maximum": 1000000000000, "minimum": 0, "description": "Accessible savings in country currency; exclude capital behind entered pension payments" }, "country": { "enum": [ "nl", "se", "dk", "no", "fi", "is", "cz", "at", "ch", "pt", "us", "cn", "de", "jp", "in", "fr", "it", "ca", "br", "ru", "kr", "mx", "es", "id", "tr", "sa", "pl", "be", "ar", "ie", "ae", "sg", "il", "th", "nz" ], "type": "string", "description": "Country code from list_retirement_calculators (not uk or au, which have their own tools)." }, "incomes": { "type": "array", "items": { "type": "object", "required": [ "monthly", "startAge", "endAge" ], "properties": { "endAge": { "type": "integer", "maximum": 110, "minimum": 0, "description": "Exclusive payment stop age; use 0 for no stop, otherwise greater than startAge; whole years." }, "monthly": { "type": "number", "maximum": 1000000000, "minimum": 0, "description": "After-tax monthly income in today's country currency" }, "startAge": { "type": "integer", "maximum": 110, "minimum": 18, "description": "First payment age; whole years." } }, "additionalProperties": false }, "maxItems": 3, "minItems": 3, "description": "Exactly three user-supplied pension streams. Use zero monthly amount for unused streams. No entitlement or tax estimation." }, "spending": { "type": "number", "maximum": 1000000000, "minimum": 0, "description": "Monthly retirement spending in today's country currency" }, "inflation": { "type": "number", "maximum": 100, "minimum": 0, "description": "Annual inflation, percent" }, "netReturn": { "type": "number", "maximum": 100, "minimum": -20, "description": "Nominal annual return after taxes and fees, percent; inflation is deducted by the model" }, "monthlySaving": { "type": "number", "maximum": 1000000000, "minimum": 0, "description": "Monthly savings in today's country currency" }, "retirementAge": { "type": "integer", "maximum": 100, "minimum": 18, "description": "Work-stop age; at least current age; not an entitlement age; whole years." }, "include_projection": { "type": "boolean", "description": "Also return annual cash-flow rows (default false: a compact summary)." } }, "additionalProperties": false }

{ "type": "object", "required": [ "age", "endAge", "pot", "monthlyWithdrawal", "growth", "fees", "inflation", "increaseWithdrawals", "takeTaxFreeCash", "remainingAllowance", "region", "otherIncome", "statePension", "statePensionAge" ], "properties": { "age": { "type": "integer", "maximum": 100, "minimum": 55, "description": "Starting age; does not establish pension access; whole years." }, "pot": { "type": "number", "maximum": 10000000, "minimum": 0, "description": "Starting pension capital, GBP" }, "fees": { "type": "number", "maximum": 5, "minimum": 0, "description": "Annual percentage fee, percent" }, "endAge": { "type": "integer", "maximum": 110, "minimum": 56, "description": "End of projection; must exceed age; whole years." }, "growth": { "type": "number", "maximum": 20, "minimum": -20, "description": "Nominal annual investment return, percent before fees" }, "region": { "enum": [ "rest", "scotland" ], "type": "string", "description": "Standard non-savings income tax region." }, "inflation": { "type": "number", "maximum": 10, "minimum": 0, "description": "Annual inflation, percent" }, "otherIncome": { "type": "number", "maximum": 1000000, "minimum": 0, "description": "Other taxable income, GBP per year in today's money" }, "statePension": { "type": "number", "maximum": 100000, "minimum": 0, "description": "User-supplied State Pension forecast, GBP per year in today's money; never inferred" }, "statePensionAge": { "type": "integer", "maximum": 100, "minimum": 60, "description": "User-supplied pension payment start age; whole years." }, "takeTaxFreeCash": { "type": "boolean", "description": "Remove upfront tax-free cash from invested capital. That cash is not spent or reinvested by this model." }, "monthlyWithdrawal": { "type": "number", "maximum": 100000, "minimum": 0, "description": "Requested gross withdrawal, GBP per month" }, "include_projection": { "type": "boolean", "description": "Also return annual cash-flow rows (default false: a compact summary)." }, "remainingAllowance": { "type": "number", "maximum": 268275, "minimum": 0, "description": "Confirmed remaining standard lump sum allowance, GBP" }, "increaseWithdrawals": { "type": "boolean", "description": "Increase withdrawals once per year with the entered inflation." } }, "additionalProperties": false }