QuantCalc Retirement Engine — Claude plugin

Gives Claude the retirement engine behind quantcalc.app, so a projection is computed rather than estimated.

A language model cannot run thousands of correlated return paths against a spending plan and get the odds right. It can ask something that can.

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Install

Install from the Claude plugin directory. The plugin installs switched off, and you enable it when you want it. Step-by-step instructions are in SETUP.md. To use the server without the plugin, add it as a custom connector:

https://mcp.quantcalc.app

What's in the plugin

• Connector: the hosted QuantCalc engine over streamable HTTP. No account or sign-in is needed.
• Skill retirement-projections: loads when a plan, withdrawal rate or success rate comes up. It keeps the assumptions attached to every number and flags differences that fall inside the margin of error.
• Skill setup: connection steps, what a licence key changes, and troubleshooting.

Tools

Tool	Returns
run_retirement_projection	Success rate, ending-portfolio distribution, and the assumptions that produced them
compare_return_assumptions	The same plan under each published capital market assumption set
list_return_assumption_sources	Which assumption sets the engine carries, and what each publisher provides
explain_methodology	What the engine models and what it deliberately leaves out

All four are read-only: they compute and return, and change nothing. Inputs are not kept after the run, except that a failed request is kept for two days to diagnose it.

What comes back with every number

A success rate is meaningless without its assumptions, and a summary will drop a caveat it was not handed explicitly. So each result states:

• the return model that actually ran — reported by the engine, not by the request;
• the number of paths and the real trial count behind the rate;
• the income it assumed, including when it assumed none;
• whether a correlation matrix had to be adjusted before running;
• a plain warning when a run is not precise enough to show a client.

Licence key

Optional. Without one, projections run at 2,000 paths, which puts the 95% interval around a success rate at about ±1.5 points. A QuantCalc PRO key raises that to 10,000 paths (about ±0.7). The same key unlocks the portfolio optimizer, glide paths, custom capital market assumptions and multi-period planning in the QuantCalc app. Those features are not tools in this plugin.

Set it in the plugin's configuration. It is sent as a connection header and never passes through the conversation.

Privacy

The server receives only the inputs of each tool call, never the conversation. A random session identifier is used to count runs for each installation. A licence key is removed before anything is logged. Details are in section 6 of the privacy policy.

Not advice

QuantCalc is calculation software, not financial advice. Methodology and the source of every figure: https://quantcalc.app/methodology.html. Tax scope and its explicit exclusions: https://quantcalc.app/tax-methodology/.

Licence

MIT — see LICENSE. This repository contains the plugin manifest, skills and documentation. The engine itself is a hosted service, published to the Official MCP Registry as app.quantcalc/retirement-engine under a DNS-verified namespace.