# com.retirecrunch/calculators (remote · mcp.retirecrunch.com)

FIRE & retirement calculators + a multi-currency portfolio rebalancer (exact buy/sell trades).

- Trust score: 61/100 (medium)
- Change this week: +5
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `mcp.retirecrunch.com`: 61/100 (this document), [markdown](https://verifymcp.io/servers/com-retirecrunch-calculators/mcp.md), [page](https://verifymcp.io/servers/com-retirecrunch-calculators/mcp)

## Channel facts

- Endpoint: `https://mcp.retirecrunch.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.2.0`

## 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 2026-08-03.

- **Endpoint Security**: 57/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 6 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - 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**: 54/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1191 tokens (~198/item across 6 items; 6 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 84/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 52% of tool parameters carry a description.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http com-retirecrunch-calculators https://mcp.retirecrunch.com/mcp
```

### Codex

```toml
[mcp_servers.com-retirecrunch-calculators]
url = "https://mcp.retirecrunch.com/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add com-retirecrunch-calculators --url https://mcp.retirecrunch.com/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-retirecrunch-calculators:
    url: "https://mcp.retirecrunch.com/mcp"
```

### Other

```json
{
  "mcpServers": {
    "com-retirecrunch-calculators": {
      "type": "http",
      "url": "https://mcp.retirecrunch.com/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.

### 2026-08-03 (score 61, +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.

### 2026-07-31 (score 60, +2)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-30 (score 58, +1)

No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-28 (score 57, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-27 (score 56, +1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-26 (score 55)

First indexed and scored.

## MCP tools (6)

### `calculate_fire_target` (~133 tokens)

Estimate the savings target needed for Financial Independence / Early Retirement. Runs Monte Carlo simulation and returns the probability the portfolio survives the planning horizon.

Input parameters:

- `annual_expense` (number, required): Projected annual spending in retirement (in selected currency).
- `apply_inflation` (boolean)
- `currency` (string)
- `current_savings` (number): Current liquid + invested assets.
- `inflation_rate` (number)
- `portfolio_return_rate` (number): Expected real annual return %.
- `portfolio_volatility` (number): Annual return standard deviation %.
- `years` (integer, required): Planning horizon in years.

### `calculate_coast_fire` (~133 tokens)

Compute the Coast FIRE milestone — the capital required today such that, with no further contributions, a portfolio compounds to the user's retirement target by their target age.

Input parameters:

- `annual_expenses_in_retirement` (number, required)
- `currency` (string)
- `current_age` (integer, required)
- `current_savings` (number, required)
- `expected_return_rate` (number)
- `inflation_rate` (number)
- `monthly_savings` (number)
- `portfolio_volatility` (number)
- `safe_withdrawal_rate` (number)
- `target_retirement_age` (integer, required)

### `compute_swiss_property_tax` (~153 tokens)

Estimate the Swiss cantonal real-estate capital gains tax (Grundstückgewinnsteuer) for a property sale. Covers all 26 cantons with holding-period adjustments and Ersatzbeschaffung (replacement-residence) deferral. Educational estimate; commune surcharges and value-enhancing-improvement deductions are not modeled.

Input parameters:

- `canton` (string, required): Canton code (ZH, BE, ..., JU).
- `ersatzbeschaffung` (boolean): Reinvest proceeds into a replacement primary residence.
- `ersatzbeschaffung_amount` (number): Amount reinvested (caps the tax deferral).
- `purchase_price` (number, required)
- `sale_price` (number, required)
- `years_held` (number, required)

### `project_wealth_plan` (~501 tokens)

Run RetireCrunch's full year-by-year Wealth Plan projection for a household. Models earned income, pensions, expenses, portfolio growth, optional growth→income phase switch, mortgage amortization, optional property sale, and region-aware tax (US uses 2026 federal+state brackets; other regions use a flat rate). Returns a compact summary with 5-year milestones by default, or the full annual array when yearly_detail=true.

Input parameters:

- `currency` (string)
- `current_earned_income` (number): Annual gross earned income today.
- `current_housing_expenses` (number): Annual housing expenses today.
- `current_investment_portfolio` (number)
- `current_liquidity` (number)
- `current_living_costs` (number): Annual general living expenses today.
- `current_mortgage` (number)
- `current_other_expenses` (number): Annual other expenses today.
- `current_property` (number)
- `estimated_tax_rate` (number): Pre-retirement effective tax rate (%).
- `household_type` (string)
- `income_yield_rate` (number): Annual yield % during the income phase.
- `inflation_rate` (number): Annual inflation %.
- `partner_early_death_years_before_end` (integer)
- `partner_survivor_expense_factor` (number)
- `plan_horizon_years` (integer): Total years to project from start_year.
- `portfolio_return_rate` (number): Annual real portfolio return %.
- `portfolio_switch_enabled` (boolean)
- `portfolio_switch_year` (integer): Year to switch from growth to income phase. Defaults to retirement_year if omitted.
- `portfolio_volatility` (number): Return std dev %; 0 = deterministic.
- `post_retirement_tax_rate` (number): Post-retirement effective tax rate (%).
- `property_sale_destination` (string)
- `property_sale_enabled` (boolean)
- `property_sale_year` (integer)
- `region` (string): Country regime — drives tax model (US uses bracket-based federal/state; others a flat rate).
- `retirement_year` (integer, required): Year retirement begins.
- `start_year` (integer, required): First year of the projection (typically the current year).
- `yearly_detail` (boolean): When true, include the full year-by-year array in the response. When false (default), return a compact summary plus 5-year milestones.

### `get_portfolio_returns` (~81 tokens)

Return RetireCrunch's historical portfolio return profiles for a currency. Each profile is a (return %, volatility %) pair derived from real index data — useful for grounding the assumptions in calculate_fire_target / project_wealth_plan in something defensible rather than guessing.

Input parameters:

- `currency` (string, required): Currency code; the historical return profiles are denominated in this currency.

### `rebalance_portfolio` (~190 tokens)

Rebalance a multi-currency portfolio: given holdings, per-holding (or per-asset-class) target weights, cash and FX rates, return the exact BUY/SELL trades to reach the targets, the per-currency cash movements (flagging foreign-cash overdrafts), and a summary. Planning math only — no transaction costs or taxes.

Input parameters:

- `available_cash` (object): Cash held per currency, keyed by ISO code.
- `base_currency` (string): Base currency the portfolio is valued in.
- `class_targets` (object): Optional per-asset-class goal % (incl. "Cash"). When given, unlocked holdings are retargeted to hit each class goal before computing trades.
- `fx_rates` (object): Value of 1 unit of each currency in the base currency (base currency itself is 1).
- `holdings` (array, required): The portfolio holdings to rebalance.

## Diagnostics

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

## Score history

- 2026-08-03: 61
- 2026-08-02: 60
- 2026-08-01: 60
- 2026-07-31: 60
- 2026-07-30: 58
- 2026-07-29: 57
- 2026-07-28: 57
- 2026-07-27: 56
- 2026-07-26: 55

## Links

- Remote endpoint: https://mcp.retirecrunch.com/mcp
- Repository: https://github.com/malagodia/fire
- Changelog RSS feed: https://verifymcp.io/servers/com-retirecrunch-calculators/mcp/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-retirecrunch-calculators/mcp/changelog.json
- HTML version of this page: https://verifymcp.io/servers/com-retirecrunch-calculators/mcp