# Retirement Calculator — REST API endpoint `retirement-calculator`

Return the projected savings at retirement, the amount needed to fund an inflation-adjusted monthly income until life expectancy, the gap or surplus, whether you are on track, the extra monthly saving needed, and the 4%-rule sustainable monthly withdrawal. Rates are yearly percentages.

- Category: finance
- MCP server: https://mcp.findutils.com/ (Streamable HTTP, no API keys, 120 req/min per IP)
- REST endpoint: POST https://api.findutils.com/api/tools/retirement-calculator/execute (no API keys, 60 req/min per IP)
- Reference page: https://findutils.com/api/retirement-calculator/
- Same tool on the other surface: https://findutils.com/mcp/retirement-calculator/

## Call the endpoint (verified example)

```bash
curl -X POST https://api.findutils.com/api/tools/retirement-calculator/execute \
  -H "Content-Type: application/json" \
  -d '{
    "current_age": 30,
    "retirement_age": 65,
    "current_savings": 50000,
    "monthly_contribution": 1000,
    "expected_return": 7,
    "inflation_rate": 3,
    "desired_monthly_income": 5000,
    "life_expectancy": 90
  }'

# Parameter schema
curl https://api.findutils.com/api/tools/retirement-calculator
```

## Input schema

| Argument | Type | Required | Description |
|---|---|---|---|
| `current_age` | integer | yes | Current age in years. |
| `retirement_age` | integer | yes | Planned retirement age. Must be greater than current_age. |
| `current_savings` | number | no | Retirement savings today. Default: 0. |
| `monthly_contribution` | number | no | Amount saved every month. Default: 0. |
| `expected_return` | number | no | Expected yearly return in percent. Default: 7. |
| `inflation_rate` | number | no | Yearly inflation in percent. Default: 3. |
| `desired_monthly_income` | number | yes | Monthly income wanted in retirement, in today's money. |
| `life_expectancy` | integer | no | Age the money must last to. Must be greater than retirement_age. Default: 90. |

Example arguments (verified):

```json
{
  "current_age": 30,
  "retirement_age": 65,
  "current_savings": 50000,
  "monthly_contribution": 1000,
  "expected_return": 7,
  "inflation_rate": 3,
  "desired_monthly_income": 5000,
  "life_expectancy": 90
}
```

OpenAPI 3.1 spec: https://findutils.com/api/openapi.json · Interactive docs: https://findutils.com/api/docs/

## Also an MCP tool

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

Then ask the client to call `findutils:retirement_calculator`. Full MCP reference: https://findutils.com/mcp/retirement-calculator/

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