Roth vs Traditional Optimizer MCP Server

by kindoflost-roth-vs-traditional-calculator Your server? Claim it

answering

Roth vs Traditional Optimizer is answering right now. Last checked 4 min ago. It exposes 3 tools.

Optimal yearly Roth vs traditional split: 401(k), IRA, HSA, brokerage, employer match. Free.

Uptime history 12 days of history

12 days agonow

100.0%

Uptime 24h

91 of 91 checks

Tools

read from the server

2288 ms

Response time

average over 24h

open, no key

Access

streamable-http

Nothing serious here today

Today is the operative word: we check Roth vs Traditional Optimizer every 15 minutes and re-read its code on every release. Watch it and you find out the day that stops being true.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 4 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add roth-vs-traditional-optimizer --transport http https://roth-vs-traditional-calculator.kindoflost.com/mcp

Settings → Connectors → Add custom connector, then paste this address

https://roth-vs-traditional-calculator.kindoflost.com/mcp

~/.codex/config.toml

[mcp_servers.roth-vs-traditional-optimizer]
url = "https://roth-vs-traditional-calculator.kindoflost.com/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "roth-vs-traditional-optimizer": {
      "url": "https://roth-vs-traditional-calculator.kindoflost.com/mcp"
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "roth-vs-traditional-optimizer": {
      "type": "http",
      "url": "https://roth-vs-traditional-calculator.kindoflost.com/mcp"
    }
  }
}

Available tools 3

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

contribution

get_contribution_example

Return a complete example input for optimize_retirement_contributions with a one-line explanation of every field. No solve. Edit it to the user's situation. kind 'single' (default) or 'married' (two earners, kids, HSA, two-tier match).

optimize

optimize_retirement_contributions

Find the best yearly split of retirement savings between traditional and Roth 401(k), IRA/backdoor Roth, HSA and brokerage, including employer match, Roth conversions and retirement withdrawals. Returns this year's dollars per account, how the optimal mix compares with always-traditional and always-Roth, Roth share, lifetime totals, the first working years and retirement milestones. Runs in a few seconds (a few more with exact_income_limits). All money in today's dollars. Optimal for the stated assumptions; not tax advice. Call get_contribution_example first if unsure of the shape.

request

check_request

Say in plain words what the user wants (e.g. 'I'm self-employed with a solo 401k and a pension'). Returns whether this optimizer can do it and, if not, the closest thing it can do. Fast, no solve.

Endpoints

URL	Transport	State	Latency	Checked
https://roth-vs-traditional-calculator.kindoflost.com/mcp	streamable-http	answering	217 ms	4 min ago

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Roth vs Traditional Optimizer — questions

Answers built from our own checks of this server.

What can Roth vs Traditional Optimizer do?

It exposes 3 tools, read directly from the server on our last check. Among them: check_request, get_contribution_example, optimize_retirement_contributions. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →

Is Roth vs Traditional Optimizer working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 91 of 91 checks got a reply (100.0%), average response time 2288 ms. The bar chart above shows every period we have measured.

How do I connect Roth vs Traditional Optimizer?

Copy the ready config from this page. We generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each in the form that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.

Does Roth vs Traditional Optimizer need an API key?

No. Roth vs Traditional Optimizer completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 3 of them are readable on this page. This is what we observed, not what the docs claim.