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Use US 401k & IRA Optimizer with your AI.

Connect your account once and let the AI you already use work with it, without building another integration. Optimize your retirement contributions using tax arbitrage strategies.

Included with plan

Ask AI about this Connector

Developed, maintained, and hosted by Vinkius.

MCP VERIFIED · PRODUCTION READY · VINKIUS GUARANTEED

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Works with modern AI clients that support MCP, including ChatGPT, Claude, Cursor, and more.

ChatGPTClaudeCursorPerplexityGeminiMicrosoft CopilotRaycastMeta AI

Complete set · 3 capabilities

The complete US 401k & IRA Optimizer capability set.

These are the exact actions your AI can choose when you ask it to work with US 401k & IRA Optimizer.

Capability set01 / 01

01-03

3 capabilities in this set.

Part of 3 available through US 401k & IRA Optimizer.

  1. 01

    Project wealth growth

    Project future growth of retirement assets

  2. 02

    Calculate tax savings

    Calculate estimated annual and cumulative tax savings

  3. 03

    Determine optimal sequence

    Determine the optimal order of account contributions

Observed, not estimated

637ms average. Fast in production.

US 401k & IRA Optimizer is checked daily against the live service.

Daily averagePeak 739ms
Aug 24Today
Fastest day
521ms
Slowest day
739ms
14-day trend
Stable+2%

Connect your client

One URL. Every client.

Activate the Connector, copy your link, and paste it into the client you already use. 3 capabilities arrive ready to run.

Preview access · not provider authentication

The vk_preview_* token belongs to Vinkius preview infrastructure. It lets Claude discover and display the capabilities of US 401k & IRA Optimizer, so you can see the experience inside your AI.

It does not authenticate your account with US 401k & IRA Optimizer. Actions requiring credentials or live account data may not run until you activate the Connector and authorize the service.

US 401k & IRA Optimizer Connector

You're all set. Choose your MCP client and follow the setup instructions.

Connector linkhttps://edge.vinkius.com/vk_preview_vI0IYo9TRur9mj0qaHuzPhgVEMEwgJifAsFadWz6/mcp

Claude Desktop

Follow the steps below to connect in seconds.

  1. 1In Claude Desktop, open Settings → Connectors.
  2. 2Click “Add custom connector” and paste the connector link above as the remote MCP server URL.
  3. 3Click Add and start a new chat — US 401k & IRA Optimizer capabilities are ready to use.
Configuration · claude_desktop_config.jsonCopy
{
  "mcpServers": {
    "us-401k-ira-optimizer-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_vI0IYo9TRur9mj0qaHuzPhgVEMEwgJifAsFadWz6/mcp"
    }
  }
}
  • Claude
  • ChatGPT
  • Cursor
  • VS Code
  • Windsurf
  • Claude Code
  • JetBrains
  • Cline

Step-by-step instructions for each client are in the guide. How to connect

FAQ

Questions US 401k & IRA Optimizer owners ask.

  • 01

    How does the optimizer decide which account to fund first?

    The engine follows a strict hierarchy: it always prioritizes Employer Match first, followed by HSA eligibility. Then, it uses determine_optimal_sequence to compare your current and future tax rates to decide between Traditional or Roth vehicles.

  • 02

    Can I use this for HSA planning?

    Yes. The capability checks your hasHsaEligibility and prioritizes HSA contributions due to their triple tax advantage.

  • 03

    What inputs do I need for wealth projection?

    For project_wealth_growth, you will need your annual contribution amount, years until retirement, expected return rate, and a breakdown of how much to allocate to each account.

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