← savingslast.com

INDIVIDUAL MCP TOOL

sepp_72t_lock_in_end

The date a 72(t) series may be changed without the recapture penalty: the later of five years from the first payment and the owner reaching 59 1/2, computed in calendar months the way the IRS does (six months after the 59th birthday, not 0.

savingslast.comnone authenticationAvailability not checked

LIVE ENDPOINT

https://savingslast.com/mcp

No auth detected

Connect to this endpoint to inspect the live schema for sepp_72t_lock_in_end and invoke it with your own arguments.

Indexed input schema

{}

Risk classification

Potential side effects detected · medium confidence · heuristic, not a guarantee.

  • A tool name or description suggests a financial action.

Parent server

savingslast.com

CONNECT WITH APPROVAL

Client installation

Review this server and its permissions before adding it. Secret placeholders must be set locally.

Codex

~/.codex/config.toml

[mcp_servers.savingslast]
url = "https://savingslast.com/mcp"
enabled = true
Claude Code

.mcp.json

{
  "mcpServers": {
    "savingslast": {
      "type": "http",
      "url": "https://savingslast.com/mcp"
    }
  }
}
Claude Desktop

Settings → Connectors → Add custom connector

Name: savingslast
Remote MCP URL: https://savingslast.com/mcp

Add this remote URL as a custom connector in Claude Desktop. Availability depends on the user plan and workspace policy.

Cursor

.cursor/mcp.json

{
  "mcpServers": {
    "savingslast": {
      "url": "https://savingslast.com/mcp"
    }
  }
}
Visual Studio Code

.vscode/mcp.json

Add to Visual Studio Code
{
  "servers": {
    "savingslast": {
      "type": "http",
      "url": "https://savingslast.com/mcp"
    }
  }
}
Generic MCP

Client-specific MCP configuration

{
  "name": "savingslast",
  "transport": "streamable-http",
  "url": "https://savingslast.com/mcp"
}
MCP Inspector

Run the official MCP Inspector locally and enter the indexed Streamable HTTP endpoint.

Related tools

  • how_long_will_money_last — Month-by-month drawdown of a retirement balance: how many years the money lasts at a monthly withdrawal that rises with inflation, the age it runs out, the odds of being alive then, and the most that could be withdrawn to last 20, 25 or 30 years.
  • sustainable_withdrawal — The largest starting monthly withdrawal, rising with inflation, that a balance can support for a chosen number of years at a given return, inflation and tax rate.
  • sepp_72t_payment — The annual 72(t) substantially equal periodic payment under all three IRS methods in Notice 2022-6: fixed amortization, fixed annuitization and required minimum distribution, using the 2022 life-expectancy and mortality tables.
  • rmd_calculate — The required minimum distribution for a year from a traditional IRA, 401(k) or similar account: the prior 31 December balance divided by the IRS Uniform Lifetime Table factor at the age reached that year, with the required beginning age from the birth year (72, 73 or 75 under SECURE 2.
  • federal_tax_estimate — A retiree's federal income tax for tax year 2026: the taxable share of Social Security (the Publication 915 worksheet), the standard deduction with the 65-plus additions and the senior deduction phase-out, ordinary brackets, the 0/15/20% stack for long-term gains and qualified dividends, the 3.
  • roth_conversion_cost — What converting an amount from a traditional IRA or 401(k) to a Roth costs in federal tax for 2026, on top of everything else that year, including the extra Social Security it makes taxable and the senior deduction it phases out.
  • bridge_to_59_half — How an early retiree pays for the years between leaving work and 59 1/2, one year at a time, under three strategies: taxable first with a Roth conversion ladder, a 72(t) series on a carved-off IRA, or a blend.
  • pension_lump_sum_vs_annuity — Compares a pension's lump-sum offer with its monthly annuity: the payout rate the pension implies, the age the invested lump sum runs out paying the same amount, the steady return the lump sum must earn to match the pension to a planning age, and the odds of being alive at each point on the IRS unisex mortality table, with a verdict.