Owl
Retirement planner with great wisdom
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No install snippet on purpose. A working MCP config is a command, its arguments and an environment block — the last two are where API keys live, so this catalogue never stores them and cannot publish them. Follow the link above for the authors' own instructions.
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Open-source retirement planning optimizer powered by Actual Intelligence — connect it to your AI assistant
Roth conversion optimizer · Social Security claiming strategy · Monte Carlo retirement simulator · Python retirement calculator · AI retirement planner · MCP retirement tool · Claude Gemini Cursor Zed VS Code
TL;DR
Owl is an open-source retirement planning tool that helps US retirees answer the hardest questions in retirement income planning: when to claim Social Security, how much to convert to Roth each year, which accounts to withdraw from first, and how to minimize lifetime taxes. It uses mixed-integer linear programming to optimize withdrawal strategies rather than merely simulate them, finding the mathematically best sequence of decisions across all accounts simultaneously.
Users can stress-test their plan with historical back-testing, Monte Carlo simulation with sequence-of-returns risk, or fixed rates derived from historical averages.
Owl covers the full US tax landscape: federal income tax, state income taxes for all 50 states and DC, long-term capital gains, NIIT, Medicare IRMAA surcharges, ACA marketplace premiums, RMDs, and Roth conversion rules — all embedded directly in the optimizer so that tax-efficient retirement income planning is built into every result, not applied as an afterthought.
Optimized account balances over time (today's dollars): Owl draws down tax-deferred
accounts while growing tax-free Roth balances through early-retirement conversions.
Key capabilities
From the project's README.