Planning: Claude skills backed by calculation code
US retirement and tax planning calculations - tax year 2026 bracket headroom for sizing Roth conversions, required minimum distributions, retirement Monte Carlo with inflation-adjusted withdrawals, capital-loss netting and carryover, and net investment income tax - plus guidance for broader household planning that the engines do not model.
What wealth-planning calculates
5 commands, each available in the CLI, as an MCP tool and as a JavaScript import. Every result carries the method it used, the questions it still needs answered and the next steps worth taking.
| Command | What it returns | What it needs |
|---|---|---|
planning tax-headroom | Room left in the current federal ordinary-income bracket, for sizing a Roth conversion. | agi, filingStatus |
planning rmd | Required minimum distribution from the Uniform Lifetime Table. | age, balance |
planning monte-carlo | Retirement cash-flow simulation with inflation-adjusted withdrawals. | assets, spend |
planning capital-losses | Nets short- and long-term gains and losses, applies the $3,000 limit, and carries the rest forward by character. | shortTermLosses |
planning niit | Net investment income tax: 3.8% on the lesser of investment income or MAGI above the statutory threshold. | magi, netInvestmentIncome |
When to use it
- Build or evaluate a household financial plan or retirement income strategy.
- Estimate Roth conversion headroom from a client's AGI (read the AGI from the return yourself; there is no tax-return parser).
- Calculate Required Minimum Distributions (RMDs) for retirement accounts.
- Run Monte Carlo simulations for retirement success probability.
Requests this pack answers:
- “how much can they convert to a Roth this year”
- “are they near the top of their tax bracket”
- “what is their RMD this year”
- “how much must they withdraw from the IRA”
- “will their money last”
- “can they retire on this”
- “how much of this loss can they deduct”
- “what carries over to next year”
- “will they owe the 3.8% tax”
- “net investment income tax”
What it does not do
Named here because leaving it out is how an agent ends up asserting something the code never computed.
Guidance only, no engine behind it
- Parsing Form 1040 or other tax documents
- Estate document review and estate tax projections
- Household budgeting and cash-flow statements
- Insurance, Social Security claiming, and state tax analysis
Limits to state with every result
- Bracket headroom uses only the standard deduction and ordinary-income brackets. It ignores itemized deductions, credits, capital-gain and qualified-dividend stacking, NIIT, IRMAA thresholds and state tax.
- RMDs use the prior December 31 balance. Use the Joint and Last Survivor Table instead when the sole beneficiary is a spouse more than 10 years younger.
- Monte Carlo assumes normally distributed annual returns and ignores taxes and fees.
Run it
node bin/wealth-skills.js planning tax-headroom --agi 210000 --status MFJ
node bin/wealth-skills.js planning rmd --age 75 --balance 500000
node bin/wealth-skills.js planning monte-carlo --assets 1250000 --spend 50000 --inflation 0.025The same commands are exposed as MCP tools, so Claude, Claude Code, Codex, Cursor and any other MCP client can call them directly. See the integration guide and the pack itself, skills/wealth-planning/SKILL.md.
Catalog coverage
49 resources from the US Wealth Management Capability Catalog map to this pack, 15 of them backed by engine code and the rest cited as guidance or reference.
| Resource | What the pack does with it | Coverage |
|---|---|---|
| IRC 1222 Capital gains and losses | Capital-gain and loss classifications Short- and long-term classification and netting. | engine |
| IRC 1211 Capital-loss limitation | Limits on capital-loss deductions The $3,000 and $1,500 capital-loss limits. | engine |
| IRC 1212 Capital-loss carryovers | Capital-loss carryover rules Carryover by character, per the Schedule D worksheet. | engine |
| IRC 1411 Net investment income tax | Net investment income tax framework Net investment income tax calculation. | engine |
| IRS Publication 550 | Investment income, expenses and disposition guidance Gain and loss netting and wash-sale look-back. | partial-engine |
| IRS Publication 590-B | IRA distribution guidance Uniform Lifetime Table RMDs; no inherited-IRA or joint-table rules. | partial-engine |
| IRS Form 8949 instructions | Capital-asset transaction reporting Holding-period classification and netting; no form output. | partial-engine |
| IRS Schedule D instructions | Capital-gain and loss reporting Schedule D netting and carryover; no rate computation. | partial-engine |
| eMoney Advisor | Cash-flow planning and household scenario reviews Retirement cash-flow Monte Carlo; no household scenario modelling. | partial-engine |
| RightCapital | Retirement, tax and household planning Bracket headroom, RMDs, NIIT and Monte Carlo; no integrated household plan. | partial-engine |
| MoneyGuide | Goal-based financial planning Goal success probability by Monte Carlo only. | partial-engine |
| Holistiplan | Tax-return analysis and planning opportunities Tax calculations from supplied figures; no tax-return parsing. | partial-engine |
| Income Lab | Retirement-income planning and spending analysis Withdrawal sustainability and RMDs; no income-floor or annuity modelling. | partial-engine |
| FP Alpha | Tax, estate and insurance planning analysis Tax calculations; no estate or insurance analysis. | partial-engine |
| Anthropic wealth-management plugin | Wealth-workflow skills Overlapping wealth workflows, spread across packs. | partial-engine |
| Orion Planning | Planning within an advisor platform Planning workflow guidance; no platform integration. | guidance |
| Asset-Map | Visual household financial discovery Discovery conversations are guidance only. | guidance |
| Vanilla | Estate planning and document visualization Estate planning is guidance only. | guidance |
| Wealth.com | Estate-planning workflows Estate planning is guidance only. | guidance |
| Trust & Will | Estate-document creation and planning Estate planning is guidance only. | guidance |
| MaxMyInterest | Cash management and deposit allocation Cash management is guidance only. | guidance |
| Monarch Money | Household net worth and cash-flow tracking Net worth tracking is not implemented. | guidance |
| YNAB | Household budgeting and spending planning Budgeting is guidance only. | guidance |
| IRS Publication 590-A | IRA contribution guidance Contribution limits are not implemented. | standard-reference |
| IRS Publication 560 | Small-business retirement plans Tax guidance; not implemented. | standard-reference |
| IRS Publication 575 | Pension and annuity income Tax guidance; not implemented. | standard-reference |
| IRS Publication 559 | Survivors, executors and administrators Tax guidance; not implemented. | standard-reference |
| IRC 1014 Property acquired from a decedent | Inherited-property basis framework Inherited-basis step-up is not implemented. | standard-reference |
| Tax-Calculator | US federal individual income-tax microsimulation Full tax modelling beyond bracket headroom. | integration-reference |
| Tax-Data | Input data preparation for tax microsimulation Full tax modelling beyond bracket headroom. | integration-reference |
| PolicyEngine US | US tax and benefit modeling Full tax modelling beyond bracket headroom. | integration-reference |
| Tax-Brain | Tax-policy analysis workflow Full tax modelling beyond bracket headroom. | integration-reference |
| Household Finance (Campbell, 2006) | Household financial decisions and frictions Household finance and investor behavior evidence for advisor conversations. | research-reference |
| Trusting the Stock Market (Guiso et al., 2008) | Trust and stock-market participation Household finance and investor behavior evidence for advisor conversations. | research-reference |
| The Economic Importance of Financial Literacy (Lusardi and Mitchell, 2014) | Financial literacy and household outcomes Household finance and investor behavior evidence for advisor conversations. | research-reference |
| Trading Is Hazardous to Your Wealth (Barber and Odean, 2000) | Household trading activity and investment results Household finance and investor behavior evidence for advisor conversations. | research-reference |
| Do Investors Trade Too Much? (Odean, 1999) | Investor trading behavior and overconfidence Household finance and investor behavior evidence for advisor conversations. | research-reference |
| The Disposition to Sell Winners Too Early and Ride Losers Too Long (Shefrin and Statman, 1985) | Behavioral explanation of realization decisions Household finance and investor behavior evidence for advisor conversations. | research-reference |
| Are Investors Reluctant to Realize Their Losses? (Odean, 1998) | Evidence on the disposition effect Household finance and investor behavior evidence for advisor conversations. | research-reference |
| Prospect Theory (Kahneman and Tversky, 1979) | Decisions under risk and reference dependence Household finance and investor behavior evidence for advisor conversations. | research-reference |
| Uncertain Lifetime, Life Insurance, and the Theory of the Consumer (Yaari, 1965) | Longevity uncertainty and annuitization Longevity and annuitization research. | research-reference |
| Annuities and Individual Welfare (Davidoff et al., 2005) | Annuity value under lifecycle assumptions Longevity and annuitization research. | research-reference |
| Annuitization and Asset Allocation (Milevsky and Young, 2007) | Joint retirement allocation and annuitization Longevity and annuitization research. | research-reference |
| The 4% Rule: At What Price? (Scott et al., 2008 draft) | Economic cost of retirement withdrawal rules Withdrawal-rule economics; the Monte Carlo tests a fixed inflation-adjusted draw. | research-reference |
| Optimal Consumption and Investment with Capital Gains Taxes (Dammon et al., 2001) | Lifecycle choices under capital-gains taxes Tax-aware lifecycle and asset-location research. | research-reference |
| Optimal Asset Location and Allocation with Taxable and Tax-Deferred Investing (Dammon et al., 2004) | Allocation across taxable and deferred accounts Tax-aware lifecycle and asset-location research. | research-reference |
| Capital Market Equilibrium with Personal Tax (Constantinides, 1983) | Tax-sensitive trading and equilibrium research Tax-aware lifecycle and asset-location research. | research-reference |
| Changes in US Family Finances from 2019 to 2022 (Federal Reserve) | Household wealth, debt and asset ownership US household finance data. | research-reference |
| Economic Well-Being of US Households in 2024 (Federal Reserve) | Household financial resilience and retirement context US household finance data. | research-reference |
Questions it answers
How much can they convert to a Roth this year?
Room left in the current federal ordinary-income bracket, for sizing a Roth conversion. Run planning tax-headroom in the CLI, or call the same tool over MCP. It needs agi and filingStatus. Bracket headroom is measured from taxable income, which starts at AGI. The result carries the method it used, the data it used, anything still missing and the next steps worth taking, for a licensed professional to review.
What is their RMD this year?
Required minimum distribution from the Uniform Lifetime Table. Run planning rmd in the CLI, or call the same tool over MCP. It needs age and balance. The distribution period comes from their age. The result carries the method it used, the data it used, anything still missing and the next steps worth taking, for a licensed professional to review.
Will their money last?
Retirement cash-flow simulation with inflation-adjusted withdrawals. Run planning monte-carlo in the CLI, or call the same tool over MCP. It needs assets and spend. The simulation starts from this balance. The result carries the method it used, the data it used, anything still missing and the next steps worth taking, for a licensed professional to review.
How much of this loss can they deduct?
Nets short- and long-term gains and losses, applies the $3,000 limit, and carries the rest forward by character. Run planning capital-losses in the CLI, or call the same tool over MCP. It needs shortTermLosses. Netting happens within each term before the terms offset each other. The result carries the method it used, the data it used, anything still missing and the next steps worth taking, for a licensed professional to review.
Will they owe the 3.8% tax?
Net investment income tax: 3.8% on the lesser of investment income or MAGI above the statutory threshold. Run planning niit in the CLI, or call the same tool over MCP. It needs magi and netInvestmentIncome. The tax applies only to MAGI above the threshold. The result carries the method it used, the data it used, anything still missing and the next steps worth taking, for a licensed professional to review.
The other skill packs
- Compliance: Automated screen of advisory communications for promissory language and missing standard disclosures, FINRA 2111 suitability and Marketing Rule performance checks, investment adviser registration lookups in SEC IAPD compilation files, and guidance for supervisory review.
- CRM: Meeting transcript parsing into decisions and action items, and CRM task payload construction, plus guidance for meeting preparation.
- Execution: Pre-trade validation (buying power, oversell, short-term gain), order payload construction for Alpaca, Interactive Brokers and FIX 4.4, ISIN/CUSIP/FIGI/LEI check digits and T+1 settlement dates, for human-approved execution.
- Fund operations: Fund administration and wealth operations checks - position reconciliation against the custodian, NAV tie-out with level 3 and stale-price flags, LP capital statement roll-forwards, and month-end close tracking - plus guidance for accounting and regulatory reporting that the engines do not perform..
- Onboarding: Customer Identification Program field checks, application gaps by account type (CIP, beneficial ownership, FINRA 4512, 2090, 2111 and 2165), and onboarding milestone tracking.
- Portfolio: Portfolio drift monitoring and rebalancing, parametric VaR and expected shortfall, tax-loss harvesting screens with a wash-sale look-back, cost basis by lot, time- and money-weighted returns, Sharpe ratio reliability, and small-universe historical and forward simulations - plus guidance for accounting, attribution and risk-model workflows that the engines do not implement..
- Research: Valuation ratios from supplied fundamentals, DCF valuation with sensitivity, keyword risk-factor summaries of filing text, XBRL fact extraction, and live FRED and SEC EDGAR fetches, plus guidance for earnings and market research that the engines do not perform..
- UHNW: Concentrated-stock collar construction with constructive-sale review, and private equity multiple tracking (TVPI, DPI, RVPI), plus guidance for trust, philanthropic and exchange-fund planning that the engines do not model..