SavingsLast MCP MCP server

An official MCP server providing retirement planning calculators and financial tools. It exposes functions for retirement drawdown analysis, 72(t) SEPP calculations, RMD estimation, Roth conversion cost analysis, Social Security claiming strategies, and state tax assessments. It also includes search and fetch capabilities to access the site's guides and reference materials.

Endpoint and access

No sign-in: your client connects and lists tools immediately, with no account or key.

No sign-inEndpoint checked 2026-10-05Operated by SavingsLast

MCP endpoint (Streamable HTTP)

https://savingslast.com/mcp

Vendor documentation

What you can do with it

Calculate how long retirement savings will last with inflation-adjusted withdrawals
Determine the annual 72(t) substantially equal periodic payment under IRS methods
Estimate federal income tax impact of Roth conversions for retirees
Compare pension lump-sum offers against monthly annuity payouts

Tools advertised by the last live check:

how_long_will_money_last
sustainable_withdrawal
sepp_72t_payment
sepp_72t_lock_in_end
rmd_calculate
federal_tax_estimate
roth_conversion_cost
bridge_to_59_half
pension_lump_sum_vs_annuity
inherited_ira_schedule
social_security_claiming
state_retirement_taxes
search
fetch
list_pages

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers a Streamable HTTP server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

claude mcp add --transport http savingslast-mcp https://savingslast.com/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add savingslast-mcp --url https://savingslast.com/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable savingslast-mcp in your MCP settings.

Cursor configuration

{
  "mcpServers": {
    "savingslast-mcp": {
      "url": "https://savingslast.com/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure). The type must be streamableHttp for a remote HTTP server.

Cline configuration

{
  "mcpServers": {
    "savingslast-mcp": {
      "type": "streamableHttp",
      "url": "https://savingslast.com/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start savingslast-mcp and inspect its tools.

VS Code configuration

{
  "servers": {
    "savingslast-mcp": {
      "type": "http",
      "url": "https://savingslast.com/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

gemini mcp add --transport http savingslast-mcp https://savingslast.com/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.

Claude Desktop configuration

{
  "mcpServers": {
    "savingslast-mcp": {
      "url": "https://savingslast.com/mcp"
    }
  }
}

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

{
  "mcpServers": {
    "savingslast-mcp": {
      "serverUrl": "https://savingslast.com/mcp"
    }
  }
}

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