Finance

Retirement Calculator

Two-phase retirement model: an accumulation phase (current age to retirement, with monthly contributions and compound growth) and a withdrawal phase (retirement to life expectancy, nest egg grows at a conservative rate while inflation-adjusted withdrawals are taken out). Reports whether the nest egg lasts, real purchasing power, and any shortfall.

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Quick start

Call this tool from your code in three languages.

cURL

curl -X POST 'https://api.elysiatools.com/en/api/tools/retirement-calculator' \
  -H 'Content-Type: application/json' \
  -d '{"currentAge":30,"retirementAge":65,"currentSavings":50000,"monthlyContribution":1000,"preRetirementReturn":7,"inflationRate":3,"lifeExpectancy":90,"monthlyWithdrawal":3000,"postRetirementReturn":4,"decimalPlaces":0}'

API reference

Send a POST request with your inputs as JSON. File parameters require a separate upload first.

Endpoint

HTTP

POST https://api.elysiatools.com/en/api/tools/retirement-calculator

Parameters

Name	Type	Required	Description
currentAge	number	Yes	—
retirementAge	number	Yes	—
currentSavings	number	Yes	—
monthlyContribution	number	Yes	—
preRetirementReturn	number	Yes	—

MCP integration

Add this tool to your Model Context Protocol server so AI agents can list and call it.

Server configuration

Add this block to your MCP client configuration:

mcp.json

{
  "mcpServers": {
    "elysiatools-retirement-calculator": {
      "name": "retirement-calculator",
      "description": "Two-phase retirement model: an accumulation phase (current age to retirement, with monthly contributions and compound growth) and a withdrawal phase (retirement to life expectancy, nest egg grows at a conservative rate while inflation-adjusted withdrawals are taken out). Reports whether the nest egg lasts, real purchasing power, and any shortfall.",
      "baseUrl": "https://api.elysiatools.com/mcp/sse?toolId=retirement-calculator",
      "command": "",
      "args": [],
      "env": {},
      "isActive": true,
      "type": "sse"
    }
  }
}

List available tools

After connecting to the SSE endpoint, list the exposed tools:

tools/list

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/list"
}

Call this tool

Invoke the tool by its id, passing arguments built from its parameters:

tools/call

{
  "jsonrpc": "2.0",
  "id": 2,
  "method": "tools/call",
  "params": {
    "name": "retirement-calculator",
    "arguments": {
  "currentAge": 30,
  "retirementAge": 65,
  "currentSavings": 50000,
  "monthlyContribution": 1000,
  "preRetirementReturn": 7,
  "inflationRate": 3,
  "lifeExpectancy": 90,
  "monthlyWithdrawal": 3000,
  "postRetirementReturn": 4,
  "decimalPlaces": 0
}
  }
}

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