# Retirement Wealth Data (remote · retirementwealth.com.au)

Selected figures in Australian retirement rules, each checked against its official source.

- Trust score: 80/100 (high trust)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `retirementwealth.com.au`: 80/100 (this document), [markdown](https://verifymcp.io/servers/au-com-retirementwealth-data/retirementwealth.md), [page](https://verifymcp.io/servers/au-com-retirementwealth-data/retirementwealth)

## Channel facts

- Endpoint: `https://retirementwealth.com.au/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `2.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 80/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 68/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 725 tokens (~181/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 57/100
  - Stability observed for 17 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
  - Structured output schemas are declared (100% of tools); any adoption earns full credit.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 5 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### How do I install the Retirement Wealth Data MCP server?

Retirement Wealth Data is a hosted endpoint at https://retirementwealth.com.au/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http au-com-retirementwealth-data 'https://retirementwealth.com.au/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "au-com-retirementwealth-data": {
      "url": "https://retirementwealth.com.au/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "au-com-retirementwealth-data": {
      "type": "http",
      "url": "https://retirementwealth.com.au/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.au-com-retirementwealth-data]
url = "https://retirementwealth.com.au/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "au-com-retirementwealth-data": {
      "type": "remote",
      "url": "https://retirementwealth.com.au/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add au-com-retirementwealth-data --url 'https://retirementwealth.com.au/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  au-com-retirementwealth-data:
    url: "https://retirementwealth.com.au/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "au-com-retirementwealth-data": {
      "Transport": "http",
      "Url": "https://retirementwealth.com.au/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add au-com-retirementwealth-data -t streamable-http -u 'https://retirementwealth.com.au/mcp'
```

### Other

```json
{
  "mcpServers": {
    "au-com-retirementwealth-data": {
      "type": "http",
      "url": "https://retirementwealth.com.au/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-04 (score 80, +1)

No change was recorded against any check on this day. Stability & Change Management went from 50 to 53. That category is still filling its 30-day observation window: 15 days of observed history at the previous scan, 16 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-02 (score 79, +1)

No change was recorded against any check on this day. Stability & Change Management went from 43 to 47. That category is still filling its 30-day observation window: 13 days of observed history at the previous scan, 14 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-31 (score 78, +1)

No change was recorded against any check on this day. Stability & Change Management went from 37 to 40. That category is still filling its 30-day observation window: 11 days of observed history at the previous scan, 12 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-29 (score 77, +1)

No change was recorded against any check on this day. Stability & Change Management went from 30 to 33. That category is still filling its 30-day observation window: 9 days of observed history at the previous scan, 10 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-27 (score 76, +1)

No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-24 (score 75, +1)

No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-22 (score 74, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-20 (score 73, +1)

- [functional improvement] Stability: unverified → 0.03

## MCP tools (4)

### `search_figures` (~194 tokens)

Search figures

Start here, before get_figure, to find selected figures in Australian retirement rules: rates, amounts, caps, thresholds, ages, periods and dates for the Age Pension and its means tests, superannuation and the Division 293 and 296 taxes, deeming, the Commonwealth Seniors Health Card, aged care and the Home Equity Access Scheme. Searches by keyword, category or both, and returns each match's id and current value. Each current value has an official source, the date it applies from and the date it was last checked; get_figure returns them.

Input parameters:

- `category` (string): A category id from list_categories, such as aged_care.
- `limit` (integer): The most results to return. Default 10, maximum 50.
- `query` (string): Words to look for, such as "concessional cap" or "deeming rate". Up to 100 characters.

Output parameters:

- `category` (string|null)
- `count` (number)
- `data_hash` (string)
- `data_release` (number): The number of the data release these values come from.
- `note` (string|null)
- `query` (string|null)
- `results` (array)
- `scope` (string): What this site does and does not provide.
- `total` (number): How many items matched.
- `truncated` (boolean): True when there are more items than this result holds.

### `get_figure` (~186 tokens)

Get a figure

Gets one Australian retirement figure by an id from search_figures. Returns the value recorded for a date (as_at, or today in Sydney), the date it applies from and what that date means, conditions, exceptions, the official source by name, the date last checked and a citation of the figure's Retirement Wealth page. Values set by law but not yet in force are listed under upcoming. No value is returned for a date before the earliest recorded value, after today, or from the start of a value set by law not yet confirmed in force.

Input parameters:

- `as_at` (string): A date, as YYYY-MM-DD. Leave it out for today's date in Sydney.
- `id` (string, required): The figure id, such as concessional_cap. search_figures returns ids.
- `include_history` (boolean): Also return the earlier recorded values, newest first. Default false.

Output parameters:

- `applies_by`
- `as_at` (string): The date the value was looked up for.
- `category` (string)
- `category_label` (string)
- `caveats` (array)
- `citation` (object): The figure's Retirement Wealth page, as an address and a title.
- `cite_as` (string|null): A citation line: the value, its date, the official source by name, the date it was last checked and the figure's Retirement Wealth page.
- `concept` (string)
- `conditions` (array)
- `data_hash` (string)
- `data_release` (number): The number of the data release these values come from.
- `derivation`: The calculation that links this figure to the figures it is worked out from, or null.
- `dimensions` (object)
- `display_value` (string|null)
- `earliest_recorded` (string|null): The earliest date for which a value of this figure is held.
- `effective_from` (string|null): The date the value applies from. effective_from_basis says what the date means.
- `effective_from_basis` (string|null): value: the day this value started. provision: the day the current rule started; the number itself is older. as_at: a day the official source shows the value in force; the day it started is not record…
- `effective_to` (string|null): The last day the value applies: the day before the next recorded value starts. Null when no later value is recorded, or when the end is not recorded.
- `exceptions` (array): Exceptions. One marked modelled: false is not built into any calculation on this site.
- `former_id` (string|null): Set when the id asked for is an earlier id of this figure.
- `history` (array): Recorded values, newest first.
- `history_note` (string|null)
- `history_total` (number)
- `history_truncated` (boolean): True when history was cut short to keep the response small.
- `id` (string)
- `kind` (string)
- `label` (string)
- `note` (string|null)
- `notes` (string|null)
- `page` (string): The figure's Retirement Wealth page: its value, conditions, change history and a link to its official source.
- `ratio` (number|null): For rates, the same value as a plain ratio: 3.75 per cent is 0.0375. Otherwise null.
- `recorded` (boolean): True when a value is recorded for as_at. False when it is not: the value fields are then null and note says why.
- `resets` (string)
- `review_dates` (array)
- `review_due` (object): due: true when the figure's first scheduled review day after it was last checked (from) is on or before as_at, today in Sydney: the figure has not been checked against its source since that review. n…
- `scope` (string): What this site does and does not provide.
- `source`: The official source, by publisher and title. Its address is on the figure's Retirement Wealth page.
- `status` (string|null): in_force: the registry's current value. superseded: an earlier value.
- `today` (string): Today's date in Sydney when the request was answered.
- `unit` (object)
- `upcoming` (array): Values set by law that are not the current value here: for a later date, or not yet confirmed in force.
- `value` (number|null)
- `value_notes` (string|null)
- `verification`: How the value was verified and the date it was last checked against its source.

### `list_changes` (~172 tokens)

List changes

Lists what this site has changed in its published Australian retirement figures since a date, such as new or corrected values, earlier values added and figures added or renamed. Newest first. since filters on recorded_on, the date this site recorded the change, in Sydney. effective_from is the date the changed value applies from, where the change has one. A value can be recorded long after it began to apply.

Input parameters:

- `figure_id` (string): Only changes to this figure.
- `limit` (integer): The most changes to return. Default 25, maximum 100.
- `since` (string, required): Return changes recorded on or after this date, as YYYY-MM-DD. This is the date the change was recorded, not the date a value applies from.
- `types` (array): Only these kinds of change.

Output parameters:

- `changes` (string)
- `count` (number)
- `data_hash` (string)
- `data_release` (number): The number of the data release these values come from.
- `events` (array)
- `figure_id` (string|null)
- `note` (string|null)
- `scope` (string): What this site does and does not provide.
- `since` (string)
- `total` (number): How many items matched.
- `truncated` (boolean): True when there are more items than this result holds.
- `types`

### `list_categories` (~84 tokens)

List categories

Shows which areas of Australian retirement rules the figures cover: the categories, such as Age Pension, super caps and aged care, with each one's id for search_figures and its number of figures. Also returns the data release, the newest and the oldest date on which a figure was last checked against its source, the scope statement, and links to the documentation and the JSON files.

Output parameters:

- `categories` (array)
- `count` (number)
- `data_hash` (string)
- `data_release` (number): The number of the data release these values come from.
- `data_updated` (string|null)
- `figure_count` (number)
- `last_verified` (string): The newest date on which a figure was last checked against its source.
- `links` (object)
- `oldest_verified` (string): The oldest such date.
- `scope` (string): What this site does and does not provide.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/au-com-retirementwealth-data/retirementwealth#diagnostics

## Score history

- 2026-11-05: 80
- 2026-11-04: 80
- 2026-11-03: 79
- 2026-11-02: 79
- 2026-11-01: 78
- 2026-10-31: 78
- 2026-10-30: 77
- 2026-10-29: 77
- 2026-10-28: 76
- 2026-10-27: 76
- 2026-10-26: 75
- 2026-10-25: 75
- 2026-10-24: 75
- 2026-10-23: 74
- 2026-10-22: 74
- 2026-10-21: 73
- 2026-10-20: 73
- 2026-10-19: 72

## Common questions

### What is the Retirement Wealth Data MCP server?

Retirement Wealth Data is an MCP server listed in the public MCP registry as au.com.retirementwealth/data. Selected figures in Australian retirement rules, each checked against its official source. This page covers its hosted endpoint (https://retirementwealth.com.au/mcp).

### Is the Retirement Wealth Data MCP server safe to use?

Retirement Wealth Data scores 80 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the Retirement Wealth Data MCP server expose?

Retirement Wealth Data exposes 4 tools: search_figures, get_figure, list_changes, list_categories. Their descriptions and schemas cost roughly 636 tokens of context every time the server is loaded.

### Does the Retirement Wealth Data MCP server require authentication?

No. We connected to Retirement Wealth Data without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Retirement Wealth Data MCP server still maintained?

Retirement Wealth Data is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://retirementwealth.com.au/mcp
- Website: https://retirementwealth.com.au/data/
- Changelog RSS feed: https://verifymcp.io/servers/au-com-retirementwealth-data/retirementwealth.xml
- Changelog JSON feed: https://verifymcp.io/servers/au-com-retirementwealth-data/retirementwealth.json
- HTML version of this page: https://verifymcp.io/servers/au-com-retirementwealth-data/retirementwealth