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numeratica-mcp

Deterministic US financial planning: retirement Monte Carlo, Roth conversion, RMD, tax, IRMAA, SS

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Transport streamable-http, stdio
Last checked 28h ago

Tools & capabilities

76 tools

Read from the running server on 28h ago.

annuity agesexpremiumstart_agesecond_agesecond_sex +5
Annuity. Numeratica POST /v1/annuity — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the…
benefits_dependent_care tax_yearfiling_statusordinary_incomequalifying_countmarginal_tax_ratefsa_contribution_limit +1
Benefits dependent care. Numeratica POST /v1/benefits/dependent-care — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte…
benefits_health_plan ppohdhphsa_contributionemployer_hsa_seedmarginal_tax_rateppo_fsa_contribution +1
Benefits health plan. Numeratica POST /v1/benefits/health-plan — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo…
capital_market_assumptions assetscorrelationdefault_correlation
Capital market assumptions. Numeratica POST /v1/capital-market-assumptions — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible…
cashflow_npv_irr ratecashflowsdated_cashflows
Cashflow npv irr. Numeratica POST /v1/cashflow/npv-irr — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where ap…
college_savings current_savingsexpected_returnyears_in_collegeannual_cost_todaycollege_start_agecurrent_child_age +1
College savings. Numeratica POST /v1/college-savings — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where appl…
contribution_limits agetax_yearcompensationhsa_coverageprior_year_wagesemployer_match_rate +4
Contribution limits. Numeratica POST /v1/contribution-limits — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo wh…
debt_payoff debtsstrategymonthly_budget
Debt payoff. Numeratica POST /v1/debt-payoff — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable).…
debt_vs_invest seedloan_balanceextra_monthlyhorizon_yearsmarginal_rateannual_fee_rate +6
Debt vs invest. Numeratica POST /v1/debt-vs-invest — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applic…
education_529_to_roth yearbalancebeneficiary_ageaccount_age_yearsrecent_contributionslifetime_rolled_already +2
Education 529 to roth. Numeratica POST /v1/education/529-to-roth — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carl…
education_aid_estimate award_yearparent_agifamily_sizestudent_agisingle_parentstudent_assets +12
Education aid estimate. Numeratica POST /v1/education/aid-estimate — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Ca…
education_student_loan agistatedependentsfamily_sizeloan_balanceinterest_rate +4
Education student loan. Numeratica POST /v1/education/student-loan — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Ca…
education_student_loan_refi federalrefi_ratediscount_raterefi_term_months
Education student loan refi. Numeratica POST /v1/education/student-loan-refi — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducibl…
equity_comp_espp sharessale_pricediscount_pctoffering_date_pricepurchase_date_price
Equity comp espp. Numeratica POST /v1/equity-comp/espp — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where ap…
equity_comp_iso sharestax_yearsale_pricestrike_pricefiling_statusfmv_at_exercise +2
Equity comp iso. Numeratica POST /v1/equity-comp/iso — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where appl…
equity_comp_iso_amt_capacity tax_yearstrike_pricefiling_statusfmv_at_exerciseordinary_incomeother_amt_preference_items
Equity comp iso amt capacity. Numeratica POST /v1/equity-comp/iso-amt-capacity — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproduci…
equity_comp_iso_schedule tax_yearfmv_at_startstrike_pricetotal_sharesfiling_statushorizon_years +4
Equity comp iso schedule. Numeratica POST /v1/equity-comp/iso-schedule — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Mont…
equity_comp_nso sharestax_yearstrike_pricefiling_statusfmv_at_exerciseother_ordinary_income
Equity comp nso. Numeratica POST /v1/equity-comp/nso — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where appl…
equity_comp_nua tax_yearltcg_ratecost_basissale_pricegrowth_ratemarket_value +4
Equity comp nua. Numeratica POST /v1/equity-comp/nua — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where appl…
equity_comp_rsu sharestax_yearfmv_at_vestfiling_statusother_ordinary_income
Equity comp rsu. Numeratica POST /v1/equity-comp/rsu — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where appl…
equity_comp_section_83b sharestax_yearprice_paidfmv_at_vestfmv_at_grantfiling_status +1
Equity comp section 83b. Numeratica POST /v1/equity-comp/section-83b — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte…
goal_funding yearsannual_returntarget_amountcurrent_savingsperiods_per_yearcontributions_at_beginning
Goal funding. Numeratica POST /v1/goal-funding — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable…
healthcare_aca_optimize agestatetax_yearbase_incomeroth_balancefiling_status +7
Healthcare aca optimize. Numeratica POST /v1/healthcare/aca-optimize — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte…
healthcare_costs agemagistatecoverage_yearfiling_statushousehold_size +1
Healthcare costs. Numeratica POST /v1/healthcare-costs — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where ap…
inflation_adjust yearsamountdirectionannual_rate
Inflation adjust. Numeratica POST /v1/inflation-adjust — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where ap…
inherited_ira yearstax_yearother_incomefiling_statustarget_bracketannual_rmd_floor +3
Inherited ira. Numeratica POST /v1/inherited-ira — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicab…
insurance_disability_needs marginal_tax_ratessdi_offsets_groupgross_annual_incomessdi_monthly_benefitemployer_paid_premiumemployer_group_fraction +4
Insurance disability needs. Numeratica POST /v1/insurance/disability-needs — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible…
insurance_life_needs debtsreal_returnannual_incomeeducation_fundemergency_fundfinal_expenses +9
Insurance life needs. Numeratica POST /v1/insurance/life-needs — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo…
insurance_long_term_care current_agediscount_ratepremium_yearsannual_premiumcare_start_agecare_cost_inflation +5
Insurance long term care. Numeratica POST /v1/insurance/long-term-care — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Mont…
ira_eligibility agemagitax_yearcompensationfiling_statusspouse_covered +4
Ira eligibility. Numeratica POST /v1/ira-eligibility — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where appl…
loan_amortization principalannual_rateterm_monthsinclude_scheduleextra_monthly_payment
Loan amortization. Numeratica POST /v1/loan/amortization — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where…
longevity agesexsecond_agesecond_sexhealth_adjustmentsecond_health_adjustment
Longevity. Numeratica POST /v1/longevity — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See…
medicare_irmaa magiirmaa_yearfiling_status
Medicare IRMAA: Part B and Part D income-related monthly adjustment by tier, plus headroom to the next tier. MAGI uses the 2-year lookback; filing_status is single/mfj/mfs.
medicare_late_enrollment_penalty yearprojection_yearspart_b_months_latepart_d_months_late
Medicare late enrollment penalty. Numeratica POST /v1/medicare/late-enrollment-penalty — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for r…
mortgage_affordability pmi_ratehoa_monthlyterm_monthsback_end_dtidown_paymentannual_income +5
Mortgage affordability. Numeratica POST /v1/mortgage/affordability — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Ca…
mortgage_points pointsbase_rateloan_amountterm_monthsbuydown_rate
Mortgage points. Numeratica POST /v1/mortgage/points — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where appl…
mortgage_refinance new_ratecurrent_rateclosing_costscurrent_balancenew_term_monthsroll_in_closing_costs +1
Mortgage refinance. Numeratica POST /v1/mortgage/refinance — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo wher…
mortgage_rent_vs_buy inflationhome_pricehoa_monthlyrent_growthdown_paymentmonthly_rent +11
Mortgage rent vs buy. Numeratica POST /v1/mortgage/rent-vs-buy — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo…
mortgage_term_comparison long_rateshort_rateloan_amountlong_term_monthsinvestment_returnshort_term_months
Mortgage term comparison. Numeratica POST /v1/mortgage/term-comparison — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Mont…
pension_lump_sum_vs_annuity end_agecola_ratecurrent_agesurvivor_pctdiscount_ratelump_sum_offer +2
Pension lump sum vs annuity. Numeratica POST /v1/pension/lump-sum-vs-annuity — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducibl…
portfolio_glidepath methodend_agefinal_agerule_baseend_equityglide_type +6
Portfolio glidepath. Numeratica POST /v1/portfolio/glidepath — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo wh…
portfolio_rebalance bandholdingstax_awarewithdrawalnew_contribution
Portfolio rebalance. Numeratica POST /v1/portfolio/rebalance — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo wh…
retirement_accumulation_projection seedyearsaccountsinflationglide_pathcurrent_age +7
Retirement accumulation projection. Numeratica POST /v1/retirement/accumulation-projection — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed f…
retirement_backdoor_roth agetax_yearfiling_statusexisting_basisconversion_amountelective_deferrals +4
Retirement backdoor roth. Numeratica POST /v1/retirement/backdoor-roth — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Mont…
retirement_hsa ageyearscoveragetax_yearmarginal_ratecurrent_balance +4
Retirement hsa. Numeratica POST /v1/retirement/hsa — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applic…
retirement_monte_carlo seedassetsend_ageinflationrebalanceglide_path +12
Monte Carlo retirement projection: probability of not running out of money over a horizon, with percentile balance bands. Deterministic given a seed (returned in the result).
retirement_qlac agesextax_yearstart_agebirth_yearassumed_rate +2
Retirement qlac. Numeratica POST /v1/retirement/qlac — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where appl…
retirement_rmd agetablebirth_yearsecond_ageaccount_balance
Required Minimum Distribution: prior-year-end balance divided by the IRS distribution period. Uniform Lifetime by default; Single Life (inherited/beneficiary) via table=single.
retirement_savings_target seedend_ageinflationcurrent_ageother_incomeretirement_age +8
Retirement savings target. Numeratica POST /v1/retirement/savings-target — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Mo…
retirement_self_employed agetax_yearnet_profitexisting_w2_deferrals
Retirement self employed. Numeratica POST /v1/retirement/self-employed — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Mont…
retirement_sepp ageinterest_rateaccount_balance
Retirement sepp. Numeratica POST /v1/retirement/sepp — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where appl…
retirement_survivor_scenario spouse_aspouse_btax_yearon_medicaredeceased_spouseshared_ordinary_income
Retirement survivor scenario. Numeratica POST /v1/retirement/survivor-scenario — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproduci…
retirement_withdrawal_sequencing agestrategytax_yearbirth_yearfiling_statusspending_need +8
Retirement withdrawal sequencing. Numeratica POST /v1/retirement/withdrawal-sequencing — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for r…
retirement_withdrawal_strategy seedend_agestrategyinflationfloor_multglide_path +11
Dynamic retirement spending strategies over Monte Carlo paths: fixed_real, fixed_pct, guardrails (Guyton-Klinger), vpw, floor_and_ceiling. Returns the spending path, success probab…
roth_conversion end_agetax_yearbirth_yearcurrent_ageroth_balanceannual_return +10
Multi-year Roth conversion ladder (bracket-fill, IRMAA-aware) vs. a no-conversion baseline, with a year-by-year schedule and after-tax comparison. Optional pay-tax-from-external-fu…
roth_vs_traditional yearsexpected_returncapital_gains_rateinvest_tax_savingsannual_contributioncurrent_marginal_rate +1
Roth vs traditional. Numeratica POST /v1/roth-vs-traditional — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo wh…
savings_waterfall agemagitax_yearcompensationhsa_coveragefiling_status +5
Savings waterfall. Numeratica POST /v1/savings-waterfall — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where…
social_security spouseclaim_agecola_ratebirth_yearpia_monthlydiscount_rate +4
Social Security claiming analysis (ages 62-70): monthly/lifetime benefit, breakeven, optimal claim age. Optional earnings test, spousal/survivor/divorced household, and COLA.
social_security_couple_claim spouse_aspouse_bdiscount_rate
Social security couple claim. Numeratica POST /v1/social-security/couple-claim — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproduci…
tax_asset_location assetstax_yearfiling_statustaxable_incometaxable_balancetax_advantaged_balance
Tax asset location. Numeratica POST /v1/tax/asset-location — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo wher…
tax_bracket_room tax_yearfiling_statustaxable_income
Tax bracket room. Numeratica POST /v1/tax/bracket-room — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where ap…
tax_estimate qbistatewagesqbi_ubiatax_yearsalt_paid +30
Federal income tax estimate (2025/2026): ordinary brackets, standard/itemized deduction, LTCG stacking, NIIT, Additional Medicare; optional AMT (include_amt) and real per-state tax…
tax_estimated_tax tax_yearwithholdingfiling_statusprior_year_agiprior_year_taxunderpayment_rate +2
Tax estimated tax. Numeratica POST /v1/tax/estimated-tax — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where…
tax_filing_status spouse_aspouse_btax_year
Tax filing status. Numeratica POST /v1/tax/filing-status — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where…
tax_gain_harvesting magitax_yearfiling_statusrealize_amounttaxable_income
Tax gain harvesting. Numeratica POST /v1/tax/gain-harvesting — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo wh…
tax_liquidation_schedule tax_yearobjectivecost_basisother_ltcggrowth_ratemarket_value +5
Tax liquidation schedule. Numeratica POST /v1/tax/liquidation-schedule — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Mont…
tax_marginal_map statetax_yearsweep_stepsweep_stopinclude_acasweep_start +10
Tax marginal map. Numeratica POST /v1/tax/marginal-map — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where ap…
tax_qcd_plan agetax_yearbirth_yearira_balancefiling_statusintended_gift +6
Tax qcd plan. Numeratica POST /v1/tax/qcd-plan — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable…
tax_qsbs_exclusion gainbasistax_yearother_incomefiling_statusacquisition_date +2
Tax qsbs exclusion. Numeratica POST /v1/tax/qsbs-exclusion — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo wher…
tax_s_corp_salary sstbubiatax_yearmax_salaryother_incomefiling_status +3
Tax s corp salary. Numeratica POST /v1/tax/s-corp-salary — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where…
tax_social_security_benefits other_incomefiling_statustax_exempt_interestmarginal_ordinary_ratesocial_security_benefits
Tax social security benefits. Numeratica POST /v1/tax/social-security-benefits — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproduci…
tax_state_income agestatetax_yearfiling_statuspension_incomestate_taxable_income +1
Tax state income. Numeratica POST /v1/tax/state-income — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where ap…
tax_survivor_transition tax_yearordinary_incomequalified_incomeconversion_amounttax_exempt_interestsocial_security_lower +2
Tax survivor transition. Numeratica POST /v1/tax/survivor-transition — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte…
tax_tlh_benefit tax_yeargrowth_ratefiling_statustaxable_incomeharvestable_lossoffsettable_gains +1
Tax tlh benefit. Numeratica POST /v1/tax/tlh-benefit — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where appl…
tax_w4_checkup taxytd_withheldprior_year_agiprior_year_taxpay_periods_remainingper_paycheck_withholding
Tax w4 checkup. Numeratica POST /v1/tax/w4-checkup — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applic…
tvm fvpvpmtnperratesolve_for +1
Tvm. Numeratica POST /v1/tvm — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input s…