US retirement calculators with every number cited to official SSA and Medicare sources.
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What a Roth conversion does to Medicare costs (2026 IRMAA tiers). Args: status: filing status: "single", "joint" (married filing jointly) or "separate" (married filing separately). magi: modified adjusted gross income before the conversion, USD. roth_conversion: extra income the Roth conversion would add, USD. Returns JSON with the IRMAA tier before and after, Part B monthly premium, Part D surcharge, the extra annual Medicare cost per person, and the MAGI room left before the next bracket cliff. Tiers from the official Medicare 2026 costs fact sheet; IRMAA is a two-year lookback.
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What a Roth conversion does to Medicare costs (2026 IRMAA tiers). Args: status: filing status: "single", "joint" (married filing jointly) or "separate" (married filing separately). magi: modified adjusted gross income before the conversion, USD. roth_conversion: extra income the Roth conversion would add, USD. Returns JSON with the IRMAA tier before and after, Part B monthly premium, Part D surcharge, the extra annual Medicare cost per person, and the MAGI room left before the next bracket cliff. Tiers from the official Medicare 2026 costs fact sheet; IRMAA is a two-year lookback.
| Argument | Type | Description |
|---|---|---|
| magi* | number | |
| status* | string | |
| roth_conversion | number |
{
"type": "object",
"title": "roth_irmaaArguments",
"required": [
"status",
"magi"
],
"properties": {
"magi": {
"type": "number",
"title": "Magi"
},
"status": {
"type": "string",
"title": "Status"
},
"roth_conversion": {
"type": "number",
"title": "Roth Conversion",
"default": 0
}
}
}Social Security claiming break-even analysis for a US worker. Args: birth_year: worker's year of birth (1938-2010). pia: monthly retirement benefit at full retirement age in USD, as printed on the worker's ssa.gov statement. claim_ages: whole claiming ages to compare, each 62-70 (default 62, 67, 70). Returns JSON with each age's monthly benefit, cumulative totals to 75/80/85/90 (today's dollars), and the break-even age for each pair. Rules and factors from ssa.gov/OACT (nra.html, early_late.html).
| Argument | Type | Description |
|---|---|---|
| pia* | number | |
| birth_year* | integer | |
| claim_ages | any |
{
"type": "object",
"title": "ss_break_evenArguments",
"required": [
"birth_year",
"pia"
],
"properties": {
"pia": {
"type": "number",
"title": "Pia"
},
"birth_year": {
"type": "integer",
"title": "Birth Year"
},
"claim_ages": {
"anyOf": [
{
"type": "array",
"items": {
"type": "integer"
}
},
{
"type": "null"
}
],
"title": "Claim Ages",
"default": null
}
}
}We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Nov 13, 2026.
No readOnlyHint / destructiveHint annotations, so clients can't tell a read from a write without asking.
Fix: Add annotations to each tool, e.g. { readOnlyHint: true } for tools that only read.