QuantCalc Retirement Engine — Claude plugin

Gives Claude the retirement engine behind quantcalc.app, so a projection is computed rather than estimated.

A language model cannot run thousands of correlated return paths against a spending plan and get the odds right. It can ask something that can.

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Install

Install from the Claude plugin directory. The plugin installs switched off, and you enable it when you want it. Step-by-step instructions are in SETUP.md. To use the server without the plugin, add it as a custom connector:

https://mcp.quantcalc.app

What's in the plugin

• Connector: the hosted QuantCalc engine over streamable HTTP. No account or sign-in is needed.
• Skill retirement-projections: loads when a plan, withdrawal rate or success rate comes up. It keeps the assumptions attached to every number and flags differences that fall inside the margin of error.
• Skill setup: connection steps, what a licence key changes, and troubleshooting.

Tools

Tool	Returns
run_retirement_projection	Success rate, ending-portfolio distribution, and the assumptions that produced them
run_tax_aware_projection	The recommended withdrawal order and Roth-conversion programme, its present-value advantage and range against traditional-first, and the after-tax success rate, with federal and state tax, RMDs, IRMAA and Social Security taxation paid from the portfolio
compare_return_assumptions	The same plan under each published capital market assumption set
list_return_assumption_sources	Which assumption sets the engine carries, and what each publisher provides
explain_methodology	What the engine models and what it deliberately leaves out

All five are read-only: they compute and return, and change nothing. Inputs are not kept after the run, except that a failed request is kept for two days to diagnose it.

What comes back with every number

A success rate is meaningless without its assumptions, and a summary will drop a caveat it was not handed explicitly. So each result states:

• the return model that actually ran — reported by the engine, not by the request;
• the number of paths and the real trial count behind the rate;
• the income it assumed, including when it assumed none;
• whether a correlation matrix had to be adjusted before running;
• a plain warning when a run is not precise enough to show a client;
• for the tax-aware tool: the spending convention (after tax — what the household keeps), every default assumed for an input that was not given, and the tax items the engine does not model.

Licence key

Optional. Without one, projections run at 2,000 paths (the 95% interval around a success rate is about ±1.5 points) and the tax-aware tool returns the first retirement year of its year-by-year schedule. A QuantCalc PRO key raises that to 10,000 paths (about ±0.7) and returns the full schedule. The tax engine itself — withdrawal order, Roth conversions, state tax — needs no key. The same key also unlocks the portfolio optimizer, glide paths, custom capital market assumptions and multi-period planning in the QuantCalc app. Those features are not tools in this plugin.

Set it in the plugin's configuration. It is sent as a connection header and never passes through the conversation.

Privacy

The server receives only the inputs of each tool call, never the conversation. A random session identifier is used to count runs for each installation. A licence key is removed before anything is logged. Details are in section 6 of the privacy policy.

Not advice

QuantCalc is calculation software, not financial advice. Methodology and the source of every figure: https://quantcalc.app/methodology.html. Tax scope and its explicit exclusions: https://quantcalc.app/tax-methodology/.

Licence

MIT — see LICENSE. This repository contains the plugin manifest, skills and documentation. The engine itself is a hosted service, published to the Official MCP Registry as app.quantcalc/retirement-engine under a DNS-verified namespace.