Numeratica — financial planning calculations

com.numeraticaPublished by numeratica.comOfficial publisherv0.1.5Updated Nov 2, 2026

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

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Overview

AI-generated overview

Bridges an MCP client to the Numeratica API for deterministic US financial planning calculations such as retirement Monte Carlo, taxes, RMDs and IRMAA.

What you can do
  • Run retirement and annuity projections, including Monte Carlo runs with a reproducible seed
  • Calculate taxes, Roth conversions, RMDs, inherited IRAs, contribution limits and IRA eligibility
  • Model equity compensation: RSU, NSO, ISO, ESPP, 83(b) and NUA
  • Estimate mortgages, loans, debt payoff, refinancing and rent versus buy
  • Work through education, healthcare, Medicare, insurance and benefits scenarios
  • Browse the full tool catalogue without a key; calculations require one
When to use it
Useful when an assistant should answer US personal-finance planning questions with deterministic, engine-backed numbers instead of rough estimates, for example comparing a pension lump sum with an annuity or checking Medicare IRMAA tiers.
Requirements
Runs as a remote endpoint or locally via npx (Node 20 or newer, no install needed). Calculations need a Numeratica API key, supplied as the NUMERATICA_API_KEY environment variable or a bearer Authorization header; a free key is available. Optional NUMERATICA_BASE_URL and NUMERATICA_TIMEOUT_MS settings. Network access to the Numeratica API.
Before you install
The API key is a secret; prefer the NUMERATICA_API_KEY environment variable or a key file over the command-line --key option, which is visible to other users and stored in shell history and config files. Inputs describing a person's finances are sent to the hosted Numeratica API. Results carry a not-advice disclaimer and are not financial advice.

Installation

In SourceWeft

  1. Open Numeratica — financial planning calculations in the dashboard and add it to a workspace.
  2. Connect Authorization token credentials. They are stored privately and never shown on public pages.
  3. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/com.numeratica%2Fmcp/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "numeratica-financial-planning-calculatio": {
      "type": "http",
      "url": "https://api.numeratica.com/mcp",
      "headers": {
        "Authorization": "Bearer <YOUR_TOKEN>"
      }
    }
  }
}

README

@numeratica/mcp

A thin MCP bridge that connects any MCP client (Claude Desktop, Cursor, …) to the Numeratica financial-planning API — retirement Monte Carlo, taxes, RMDs, Social Security, Roth conversions, and more.

Get a free key at https://docs.numeratica.com.

How it works

This package is a transport bridge, nothing more. It reads JSON-RPC from stdin and forwards each message to the hosted POST /mcp endpoint with your API key as a bearer token, then writes the response back to stdout. The tool list and all results come straight from the API — so the bridge always stays in sync and ships no calculation logic of its own. Your key is sent only in the Authorization header and is never logged.

  • Zero runtime dependencies (Node ≥ 20 built-in fetch + node:readline).
  • Open source (MIT). The interesting part is the API; this is just the wire.

Install

No install needed — your MCP client runs it on demand with npx. (You can also npm i -g @numeratica/mcp to get the numeratica-mcp command.)

Step 1 — look around, no key needed

Start here. This config needs no signup and no key:

json
{  "mcpServers": {    "numeratica": {      "command": "npx",      "args": ["-y", "@numeratica/mcp"]    }  }}

Put it in claude_desktop_config.json (Claude Desktop: Settings → Developer → Edit Config) or ~/.cursor/mcp.json (Cursor, or a project .cursor/mcp.json), then restart the client. All 76 tools appear, and you can ask what's available — "What Numeratica tools do you have?"

Without a key the bridge runs in discovery-only mode: browsing the catalogue works, running a calculation returns a message telling you to add a key. That's the intended state, not a failure.

Step 2 — add a key to run calculations

Get a free key at docs.numeratica.com/get-key, then add one line:

json
{  "mcpServers": {    "numeratica": {      "command": "npx",      "args": ["-y", "@numeratica/mcp"],      "env": { "NUMERATICA_API_KEY": "nmr_sk_your_key_here" }    }  }}

Restart, and the tools are live. Try: "Run a retirement Monte Carlo for a 40-year-old retiring at 65."

Configuration

VariableRequiredDefaultNotes
NUMERATICA_API_KEYto run calculations—Your key. Get one free at docs.numeratica.com/get-key. Never logged. Omit it to browse the catalogue in discovery-only mode.
NUMERATICA_BASE_URLnohttps://api.numeratica.comOverride the API base (e.g. for testing).

You can also pass the key with --key <value> or --key=<value> instead of the env var, but prefer NUMERATICA_API_KEY: a key on the command line is visible to ps for every user on the machine, lands in shell history, and is stored verbatim in MCP client config files that people routinely paste into issue reports. For a non-env option that avoids all three, use --key-file <path>.

Links

License

MIT © Numeratica / Francis Townsend-Merino

Source: README.md at commit 0066820

Tools

76

annuity

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 input schema for the accepted fields.

Parametersagesexpremiumstart_agesecond_agesecond_sexpayout_typeassumed_ratesurvivor_pcttarget_incomeperiod_certain_years

benefits_dependent_care

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 Carlo where applicable). See the input schema for the accepted fields.

Parameterstax_yearfiling_statusordinary_incomequalifying_countmarginal_tax_ratefsa_contribution_limitdependent_care_expenses

benefits_health_plan

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 where applicable). See the input schema for the accepted fields.

Parametersppohdhphsa_contributionemployer_hsa_seedmarginal_tax_rateppo_fsa_contributionexpected_medical_spend

capital_market_assumptions

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 Monte Carlo where applicable). See the input schema for the accepted fields.

Parametersassetscorrelationdefault_correlation

cashflow_npv_irr

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 applicable). See the input schema for the accepted fields.

Parametersratecashflowsdated_cashflows

college_savings

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 applicable). See the input schema for the accepted fields.

Parameterscurrent_savingsexpected_returnyears_in_collegeannual_cost_todaycollege_start_agecurrent_child_agetuition_inflation

contribution_limits

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 where applicable). See the input schema for the accepted fields.

Parametersagetax_yearcompensationhsa_coverageprior_year_wagesemployer_match_ratehsa_contribution_ytdira_contribution_ytdelective_deferral_ytdemployer_match_cap_pct

debt_payoff

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). See the input schema for the accepted fields.

Parametersdebtsstrategymonthly_budget

debt_vs_invest

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 applicable). See the input schema for the accepted fields.

Parametersseedloan_balanceextra_monthlyhorizon_yearsmarginal_rateannual_fee_rateexpected_returnnum_simulationsloan_annual_ratereturn_volatilityinterest_deductibleloan_minimum_payment

education_529_to_roth

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 Carlo where applicable). See the input schema for the accepted fields.

Parametersyearbalancebeneficiary_ageaccount_age_yearsrecent_contributionslifetime_rolled_alreadyother_ira_contributionsbeneficiary_earned_income

education_aid_estimate

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 Carlo where applicable). See the input schema for the accepted fields.

Parametersaward_yearparent_agifamily_sizestudent_agisingle_parentstudent_assetscost_of_attendanceparent_cash_savingsparent_earned_incomeparent_filing_statusparent2_earned_incomeparent_untaxed_income+6 more

education_student_loan

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 Carlo where applicable). See the input schema for the accepted fields.

Parametersagistatedependentsfamily_sizeloan_balanceinterest_ratepursuing_pslfguideline_yearloan_before_2014standard_term_months

education_student_loan_refi

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 reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

Parametersfederalrefi_ratediscount_raterefi_term_months

equity_comp_espp

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 applicable). See the input schema for the accepted fields.

Parameterssharessale_pricediscount_pctoffering_date_pricepurchase_date_price

equity_comp_iso

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 applicable). See the input schema for the accepted fields.

Parameterssharestax_yearsale_pricestrike_pricefiling_statusfmv_at_exerciseordinary_incomeother_amt_preference_items

equity_comp_iso_amt_capacity

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 reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

Parameterstax_yearstrike_pricefiling_statusfmv_at_exerciseordinary_incomeother_amt_preference_items

equity_comp_iso_schedule

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 Monte Carlo where applicable). See the input schema for the accepted fields.

Parameterstax_yearfmv_at_startstrike_pricetotal_sharesfiling_statushorizon_yearsannual_amt_budgetannual_fmv_growthannual_income_growthannual_ordinary_income

equity_comp_nso

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 applicable). See the input schema for the accepted fields.

Parameterssharestax_yearstrike_pricefiling_statusfmv_at_exerciseother_ordinary_income

equity_comp_nua

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 applicable). See the input schema for the accepted fields.

Parameterstax_yearltcg_ratecost_basissale_pricegrowth_ratemarket_valuediscount_ratefiling_statusyears_to_salemarginal_ordinary_rate

equity_comp_rsu

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 applicable). See the input schema for the accepted fields.

Parameterssharestax_yearfmv_at_vestfiling_statusother_ordinary_income

equity_comp_section_83b

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 Carlo where applicable). See the input schema for the accepted fields.

Parameterssharestax_yearprice_paidfmv_at_vestfmv_at_grantfiling_statusother_ordinary_income

goal_funding

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). See the input schema for the accepted fields.

Parametersyearsannual_returntarget_amountcurrent_savingsperiods_per_yearcontributions_at_beginning

healthcare_aca_optimize

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 Carlo where applicable). See the input schema for the accepted fields.

Parametersagestatetax_yearbase_incomeroth_balancefiling_statusspending_needhousehold_sizetaxable_balancedeferred_balancetax_exempt_interesttaxable_gain_fraction+1 more

healthcare_costs

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 applicable). See the input schema for the accepted fields.

Parametersagemagistatecoverage_yearfiling_statushousehold_sizebenchmark_annual_premium

inflation_adjust

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 applicable). See the input schema for the accepted fields.

Parametersyearsamountdirectionannual_rate

inherited_ira

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 applicable). See the input schema for the accepted fields.

Parametersyearstax_yearother_incomefiling_statustarget_bracketannual_rmd_floorinherited_balanceaccount_growth_rateother_income_schedule

insurance_disability_needs

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 Monte Carlo where applicable). See the input schema for the accepted fields.

Parametersmarginal_tax_ratessdi_offsets_groupgross_annual_incomessdi_monthly_benefitemployer_paid_premiumemployer_group_fractionemployer_group_monthly_maxessential_monthly_expensesindividual_monthly_benefittarget_replacement_fraction

insurance_life_needs

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 where applicable). See the input schema for the accepted fields.

Parametersdebtsreal_returnannual_incomeeducation_fundemergency_fundfinal_expensesexisting_assetsmortgage_balanceeffective_tax_rateyears_to_retirementincome_replace_yearssurvivor_annual_income+3 more

insurance_long_term_care

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 Monte Carlo where applicable). See the input schema for the accepted fields.

Parameterscurrent_agediscount_ratepremium_yearsannual_premiumcare_start_agecare_cost_inflationcare_duration_yearspolicy_benefit_yearspolicy_annual_benefitannual_care_cost_todaypolicy_benefit_inflation

ira_eligibility

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 applicable). See the input schema for the accepted fields.

Parametersagemagitax_yearcompensationfiling_statusspouse_coveredelective_deferralemployer_contributionscovered_by_workplace_planplan_allows_mega_backdoor

loan_amortization

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 applicable). See the input schema for the accepted fields.

Parametersprincipalannual_rateterm_monthsinclude_scheduleextra_monthly_payment

longevity

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 the input schema for the accepted fields.

Parametersagesexsecond_agesecond_sexhealth_adjustmentsecond_health_adjustment

medicare_irmaa

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.

Parametersmagiirmaa_yearfiling_status

medicare_late_enrollment_penalty

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 reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

Parametersyearprojection_yearspart_b_months_latepart_d_months_late

mortgage_affordability

Mortgage affordability. Numeratica POST /v1/mortgage/affordability — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

Parameterspmi_ratehoa_monthlyterm_monthsback_end_dtidown_paymentannual_incomefront_end_dtiinterest_ratemonthly_debtsinsurance_rateproperty_tax_rate

mortgage_points

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 applicable). See the input schema for the accepted fields.

Parameterspointsbase_rateloan_amountterm_monthsbuydown_rate

mortgage_refinance

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 where applicable). See the input schema for the accepted fields.

Parametersnew_ratecurrent_rateclosing_costscurrent_balancenew_term_monthsroll_in_closing_costscurrent_remaining_months

mortgage_rent_vs_buy

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 where applicable). See the input schema for the accepted fields.

Parametersinflationhome_pricehoa_monthlyrent_growthdown_paymentmonthly_rentmortgage_rateinsurance_rateloan_term_monthsmaintenance_rateclosing_cost_ratehome_appreciation+5 more

mortgage_term_comparison

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 Monte Carlo where applicable). See the input schema for the accepted fields.

Parameterslong_rateshort_rateloan_amountlong_term_monthsinvestment_returnshort_term_months

pension_lump_sum_vs_annuity

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 reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

Parametersend_agecola_ratecurrent_agesurvivor_pctdiscount_ratelump_sum_offermonthly_pensionsurvivor_end_age

portfolio_glidepath

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 where applicable). See the input schema for the accepted fields.

Parametersmethodend_agefinal_agerule_baseend_equityglide_typecurrent_ageequity_floorfinal_equitystart_equityequity_ceilingretirement_age

portfolio_rebalance

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 where applicable). See the input schema for the accepted fields.

Parametersbandholdingstax_awarewithdrawalnew_contribution

retirement_accumulation_projection

Retirement accumulation projection. Numeratica POST /v1/retirement/accumulation-projection — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

Parametersseedyearsaccountsinflationglide_pathcurrent_ageannual_fee_rateescalation_rateexpected_returnnum_simulationsreturn_volatilityemployer_match_rate+1 more

retirement_backdoor_roth

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 Monte Carlo where applicable). See the input schema for the accepted fields.

Parametersagetax_yearfiling_statusexisting_basisconversion_amountelective_deferralspretax_ira_balanceplan_after_tax_limitemployer_contributionsnondeductible_contribution

retirement_hsa

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 applicable). See the input schema for the accepted fields.

Parametersageyearscoveragetax_yearmarginal_ratecurrent_balanceexpected_returnmonths_eligibleannual_contributionuse_last_month_rule

retirement_monte_carlo

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).

Parametersseedassetsend_ageinflationrebalanceglide_pathcurrent_agecorrelationsspending_ruleretirement_ageannual_fee_rateannual_spending+6 more

retirement_qlac

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 applicable). See the input schema for the accepted fields.

Parametersagesextax_yearstart_agebirth_yearassumed_rateqlac_premiumaccount_balance

retirement_rmd

Required Minimum Distribution: prior-year-end balance divided by the IRS distribution period. Uniform Lifetime by default; Single Life (inherited/beneficiary) via table=single.

Parametersagetablebirth_yearsecond_ageaccount_balance

retirement_savings_target

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 Monte Carlo where applicable). See the input schema for the accepted fields.

Parametersseedend_ageinflationcurrent_ageother_incomeretirement_ageannual_fee_ratecurrent_savingsexpected_returnnum_simulationswithdrawal_ratereturn_volatility+2 more

retirement_self_employed

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 Monte Carlo where applicable). See the input schema for the accepted fields.

Parametersagetax_yearnet_profitexisting_w2_deferrals

retirement_sepp

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 applicable). See the input schema for the accepted fields.

Parametersageinterest_rateaccount_balance

retirement_survivor_scenario

Retirement survivor scenario. Numeratica POST /v1/retirement/survivor-scenario — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

Parametersspouse_aspouse_btax_yearon_medicaredeceased_spouseshared_ordinary_income

retirement_withdrawal_sequencing

Retirement withdrawal sequencing. Numeratica POST /v1/retirement/withdrawal-sequencing — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

Parametersagestrategytax_yearbirth_yearfiling_statusspending_needstate_tax_ratebracket_ceilingtaxable_balancetax_free_balancetax_deferred_balanceother_ordinary_income+2 more

retirement_withdrawal_strategy

Dynamic retirement spending strategies over Monte Carlo paths: fixed_real, fixed_pct, guardrails (Guyton-Klinger), vpw, floor_and_ceiling. Returns the spending path, success probability, and ending bands.

Parametersseedend_agestrategyinflationfloor_multglide_pathcurrent_ageguard_widthceiling_multguard_adjustinitial_rateannual_fee_rate+5 more

roth_conversion

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-funds.

Parametersend_agetax_yearbirth_yearcurrent_ageroth_balanceannual_returnfiling_statusirmaa_tier_capstate_tax_ratetarget_bracketexternal_returnconversion_end_age+4 more

roth_vs_traditional

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 where applicable). See the input schema for the accepted fields.

Parametersyearsexpected_returncapital_gains_rateinvest_tax_savingsannual_contributioncurrent_marginal_rateretirement_marginal_rate

savings_waterfall

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 applicable). See the input schema for the accepted fields.

Parametersagemagitax_yearcompensationhsa_coveragefiling_statusannual_savingsprior_year_wagesemployer_match_rateemployer_match_cap_pctcovered_by_workplace_plan

social_security

Social Security claiming analysis (ages 62-70): monthly/lifetime benefit, breakeven, optimal claim age. Optional earnings test, spousal/survivor/divorced household, and COLA.

Parametersspouseclaim_agecola_ratebirth_yearpia_monthlydiscount_ratelongevity_ageannual_earningsearnings_test_yearsurvivor_claim_age

social_security_couple_claim

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 reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

Parametersspouse_aspouse_bdiscount_rate

tax_asset_location

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 where applicable). See the input schema for the accepted fields.

Parametersassetstax_yearfiling_statustaxable_incometaxable_balancetax_advantaged_balance

tax_bracket_room

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 applicable). See the input schema for the accepted fields.

Parameterstax_yearfiling_statustaxable_income

tax_estimate

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 via the state field. filing_status is one of single/mfj/mfs/hoh.

Parametersqbistatewagesqbi_ubiatax_yearsalt_paidinclude_amtinclude_qbiqbi_is_sstbllc_expensesqbi_w2_wagessenior_count+24 more

tax_estimated_tax

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 applicable). See the input schema for the accepted fields.

Parameterstax_yearwithholdingfiling_statusprior_year_agiprior_year_taxunderpayment_rateestimated_paymentsprojected_current_tax

tax_filing_status

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 applicable). See the input schema for the accepted fields.

Parametersspouse_aspouse_btax_year

tax_gain_harvesting

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 where applicable). See the input schema for the accepted fields.

Parametersmagitax_yearfiling_statusrealize_amounttaxable_income

tax_liquidation_schedule

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 Monte Carlo where applicable). See the input schema for the accepted fields.

Parameterstax_yearobjectivecost_basisother_ltcggrowth_ratemarket_valuefiling_statushorizon_yearsstate_tax_ratemax_annual_gainother_ordinary_income

tax_marginal_map

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 applicable). See the input schema for the accepted fields.

Parametersstatetax_yearsweep_stepsweep_stopinclude_acasweep_startfiling_statusinclude_irmaahousehold_sizesweep_variableordinary_incomequalified_income+4 more

tax_qcd_plan

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). See the input schema for the accepted fields.

Parametersagetax_yearbirth_yearira_balancefiling_statusintended_giftother_itemizedordinary_incomequalified_incometax_exempt_interestmedicare_beneficiariessocial_security_benefits

tax_qsbs_exclusion

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 where applicable). See the input schema for the accepted fields.

Parametersgainbasistax_yearother_incomefiling_statusacquisition_dateholding_period_yearsgross_assets_at_issuance

tax_s_corp_salary

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 applicable). See the input schema for the accepted fields.

Parameterssstbubiatax_yearmax_salaryother_incomefiling_statusstate_tax_ratebusiness_net_incomereasonable_comp_floor

tax_social_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 reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

Parametersother_incomefiling_statustax_exempt_interestmarginal_ordinary_ratesocial_security_benefits

tax_state_income

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 applicable). See the input schema for the accepted fields.

Parametersagestatetax_yearfiling_statuspension_incomestate_taxable_incomesocial_security_income

tax_survivor_transition

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 Carlo where applicable). See the input schema for the accepted fields.

Parameterstax_yearordinary_incomequalified_incomeconversion_amounttax_exempt_interestsocial_security_lowersocial_security_highersurvivor_ordinary_income

tax_tlh_benefit

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 applicable). See the input schema for the accepted fields.

Parameterstax_yeargrowth_ratefiling_statustaxable_incomeharvestable_lossoffsettable_gainsreinvestment_years

tax_w4_checkup

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 applicable). See the input schema for the accepted fields.

Parameterstaxytd_withheldprior_year_agiprior_year_taxpay_periods_remainingper_paycheck_withholding

tvm

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 schema for the accepted fields.

Parametersfvpvpmtnperratesolve_forpayments_at_beginning

Version history

1
  1. v0.1.5LatestSep 16, 2026

Score

100% of the applicable checks met

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  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
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  • Documentation15 pts
  • License10 pts