The SavingsLast retirement calculators MCP server,
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how_long_will_money_last — Month-by-month drawdown of a retirement balance: how many years the money lasts at a monthly withdrawal that rises with inflation, the age i

sustainable_withdrawal — The largest starting monthly withdrawal, rising with inflation, that a balance can support for a chosen number of years at a given return, i

sepp_72t_payment — The annual 72(t) substantially equal periodic payment under all three IRS methods in Notice 2022-6: fixed amortization, fixed annuitization

sepp_72t_lock_in_end — The date a 72(t) series may be changed without the recapture penalty: the later of five years from the first payment and the owner reaching

rmd_calculate — The required minimum distribution for a year from a traditional IRA, 401(k) or similar account: the prior 31 December balance divided by the

federal_tax_estimate — A retiree's federal income tax for tax year 2026: the taxable share of Social Security (the Publication 915 worksheet), the standard deducti

roth_conversion_cost — What converting an amount from a traditional IRA or 401(k) to a Roth costs in federal tax for 2026, on top of everything else that year, inc

bridge_to_59_half — How an early retiree pays for the years between leaving work and 59 1/2, one year at a time, under three strategies: taxable first with a Ro