retirement-planner-mcp

An MCP (Model Context Protocol) server that exposes Australian retirement financial planning calculations. Connect it to Claude Desktop, Cursor, or any MCP-compatible client to run retirement projections and expense optimizations directly from your AI assistant.

Installation

Claude Desktop

Add to your claude_desktop_config.json:

• macOS: ~/Library/Application Support/Claude/claude_desktop_config.json
• Windows: %APPDATA%\Claude\claude_desktop_config.json

{
  "mcpServers": {
    "retirement-planner": {
      "command": "npx",
      "args": ["-y", "retirement-planner-mcp"]
    }
  }
}

Cursor

Add to .cursor/mcp.json in your project, or ~/.cursor/mcp.json globally:

{
  "mcpServers": {
    "retirement-planner": {
      "command": "npx",
      "args": ["-y", "retirement-planner-mcp"]
    }
  }
}

Restart your client after saving the config. The tools will appear automatically.

Tools

calculate-retirement-plan

Calculates a complete retirement financial plan with year-by-year projections covering income, expenses, superannuation growth, age pension eligibility, property equity, and inflation-adjusted net wealth.

Returns: summary, final wealth, final net savings, and a full year-by-year projection array.

optimize-expense

Finds the optimal annual (and monthly) living expense that depletes wealth to approximately zero by the plan end age. Uses binary search with cash flow sustainability checks.

Returns: optimal annual expense, optimal monthly expense, final wealth at death age, and convergence info.

Input Schema

Both tools accept a profile object with the following fields:

Required

| Field | Type | Description | |---|---|---| | propertyAssets | number | Current property value ($) | | savings | number | Cash/investment savings ($) | | mortgageBalance | number | Outstanding mortgage ($) | | superannuationBalance | number | Super balance ($) | | salary | number | Annual gross salary package incl. super ($) | | partnerSalary | number | Partner annual gross salary incl. super ($) | | expenses | number | Annual living expenses ($) | | currentAge | number | Your current age | | retireAge | number | Planned retirement age | | partnerAge | number | Partner's current age | | partnerRetireAge | number | Partner's retirement age | | relationshipStatus | "single" | "couple" | Relationship status | | isHomeowner | boolean | Whether you own your home |

Optional (with defaults)

| Field | Default | Description | |---|---|---| | deathAge | 90 | Plan end age | | mortgageRate | 0.06 | Annual mortgage interest rate | | superannuationRate | 0.07 | Annual super return rate | | savingsGrowthRate | 0.025 | Annual savings/investment growth rate | | propertyGrowthRate | 0.03 | Annual property growth rate | | propertyRentalYield | 0.033 | Net rental yield | | cpiGrowthRate | 0.03 | Annual inflation rate | | partnerSuperBalance | — | Partner's super balance ($) | | lifeEvents | — | Array of one-off income/expense events | | housePurchasePlan | — | Future house purchase plan |

Example prompt

Once connected, ask Claude:

"Calculate a retirement plan for a 40-year-old couple in Australia. Combined salary $180k, savings $200k, super $350k, mortgage $400k on a $800k home, expenses $90k/year. They want to retire at 60."

"What's the maximum I can spend each year if I'm 35, earning $120k, have $150k in super, $80k savings, no property, and want to retire at 65?"

Requirements

• Node.js 18+
• No other setup needed — npx downloads and runs the package automatically

Publishing

Initial publish

cd MCP
npm login       # if not already logged in
npm publish --access public

Updating the package

When calculations or tools change:

cd MCP
# 1. Bump the version in package.json (semver: patch / minor / major)
npm run bundle
npm publish --access public

Users install via npx — no action required on their end after a publish.

License

MIT