Retirement cash-flow simulation with inflation-adjusted withdrawals
One command in the Planning pack, available in the CLI, as an MCP tool and as a JavaScript import: planning monte-carlo.
What it needs, and why
Every input is checked before anything is calculated. assets and spend are required; the rest refine the answer.
| Input | Required | The question it asks | Why it matters |
|---|---|---|---|
assets | yes | What is the total value of the portfolio funding retirement? | The simulation starts from this balance. |
spend | yes | How much do they plan to withdraw in the first year? | Withdrawals drive the outcome more than returns do. |
Requests it answers
- “will their money last”
- “can they retire on this”
- “probability of running out”
An agent with this pack loaded picks the command from phrasing like that, asks for whatever input is missing, and reports the figures with the method that produced them.
Run it
node bin/wealth-skills.js planning monte-carlo --assets 1250000 --spend 50000 --inflation 0.025Limits it inherits from wealth-planning
- 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.
The full pack, its other 4 commands and what it deliberately leaves alone are on the Planning page.