# INSS Retirement Estimator MCP > INSS Retirement Estimator. This MCP calculates your expected monthly social security payout based on Brazilian law. Input your age, total contribution time, and average salary to get a precise estimate of your future pension benefits. ## Overview - **Category:** finance - **Price:** Free - **Tags:** retirement, inss, brazil, pension, social-security, benefits ## Description Figuring out what you'll actually receive from Brazil's social security system can feel like navigating a legal maze. This tool cuts through the noise. It runs complex calculations to project your potential monthly benefit, accounting for current INSS rules and recent reforms. You don't have to be an expert in Brazilian pension law to figure out if you qualify or how much money you might get; your AI client handles all that heavy lifting. The MCP also gives you vital reference points—the maximum (ceiling) and minimum (floor) benefits currently allowed by law, so you always know the boundaries. Need to check what legal pathways apply to your specific profile? It lists those transition rules for you. Because Vinkius hosts this connector in its catalog, you can connect it once from any MCP-compatible client and get access to reliable financial data without needing specialized software. ## Tools ### estimate_monthly_benefit Calculates your estimated monthly retirement benefit amount based on provided details. ### get_pension_reference_values Retrieves the current legal maximum (ceiling) and minimum (floor) pension benefit amounts in Brazil. ### list_applicable_transition_rules Lists all retirement rules or pathways that your profile qualifies for or is approaching. ## Prompt Examples **Prompt:** ``` How much will I receive monthly if I am 55 years old, have 30 years of contribution, and an average salary of 4000? ``` **Response:** ``` Based on the current rules, your estimated monthly benefit is R$ 3,200.00, applying the transition rule for your profile. ``` **Prompt:** ``` What are the current INSS ceiling and minimum benefit values? ``` **Response:** ``` The current maximum monthly benefit (ceiling) is R$ 7,786.02, and the minimum benefit floor is R$ 1,412.00. ``` **Prompt:** ``` Which retirement rules am I approaching with 60 years of age and 35 years of contribution? ``` **Response:** ``` You currently satisfy the criteria for the Points System rule, and you are also approaching the Minimum Age transition requirement. ``` ## Capabilities ### Project Expected Payout Runs a calculation using your personal data (age, salary, time) to estimate your potential monthly retirement benefit. ### Check Legal Eligibility Paths Reviews current Brazilian social security rules and tells you which transition requirements or points systems apply to your profile. ### Retrieve Benefit Limits Pulls the up-to-date INSS minimum (floor) and maximum (ceiling) benefit amounts for reference. ## Use Cases ### Client needs basic eligibility check A client asks, 'Am I close to qualifying?' The agent runs `list_applicable_transition_rules` first. It tells the advisor that the client is approaching a specific Minimum Age requirement, giving immediate, actionable feedback. ### Advisor needs to verify market limits The advisor needs to confirm if the current ceiling amount has changed since last month's meeting. They simply call `get_pension_reference_values` and instantly verify the latest legal maximum benefit. ### Client wants a full payout forecast The client provides their age, years of service, and average salary. The agent uses all tools to first check eligibility rules, then retrieve reference values, and finally runs `estimate_monthly_benefit` for the final number. ### HR needs bulk data validation An HR manager is reviewing retirement packages for several employees. Instead of manual checks, they use the MCP to run batch estimates on a set of inputs, verifying payout potential against current INSS guidelines. ## Benefits - Stop guessing your final payout. `estimate_monthly_benefit` gives you a clear, data-driven projection of what you can expect to receive monthly. - Know the legal boundaries immediately. Using `get_pension_reference_values` tells you the exact maximum and minimum benefit amounts in effect right now. - Eliminate confusion over laws. The MCP runs through your profile against all criteria, listing applicable transition rules via `list_applicable_transition_rules` so you know exactly what you're working toward. - Speed up client meetings. Instead of manual calculations, feed the data to your agent and get a comprehensive consultation in seconds, allowing you to focus on strategy. - Future-proof planning. By seeing the current reference values and applicable rules, you can build retirement plans that account for legislative changes. ## How It Works The bottom line is, you get an immediate, calculated estimate of your pension payout without manually cross-referencing dozens of pages of Brazilian law. 1. Provide your AI client with your key details: date of birth, years worked, and average salary. 2. The MCP first calls `list_applicable_transition_rules` to define the legal framework governing your situation. 3. It then uses that context to run `estimate_monthly_benefit`, providing a final projected amount. ## Frequently Asked Questions **How accurate is the retirement estimate?** The estimate is based on hardcoded transition rules and current INSS reference values. While it provides a highly reliable projection using the Points System and Minimum Age criteria, it should be used for planning purposes rather than as official legal advice. **What information do I need to provide?** To use `estimate_monthly_benefit`, you will need your current age, total years of social security contributions, and your average monthly salary throughout your career. **Can I see which retirement rules apply to me?** Yes, you can use the `list_applicable_transition_rules` tool to identify which transition pathways, such as the Points System or Minimum Age requirements, you currently satisfy or are approaching. **What specific values does `get_pension_reference_values` return?** It returns the current INSS ceiling and minimum benefit amounts. These reference figures are crucial because they set the financial maximums and minimums for all your retirement calculations. **How does `estimate_monthly_benefit` calculate my expected payout?** The estimate uses three key inputs: your age, total years of contribution, and average salary history. It applies the latest INSS reform rules to determine a projected monthly benefit amount. **What do I do if `estimate_monthly_benefit` returns an error?** If the tool encounters an issue, it provides a specific error message explaining exactly what data is missing or out of range. This lets you pinpoint precisely which information you need to gather. **Are all possible retirement options listed when I run `list_applicable_transition_rules`?** This tool lists the specific legal pathways you qualify for or are nearing. It shows your current eligibility status by cross-referencing your age and contribution history against INSS law. **Does this MCP require me to upload official documents?** No, you don't need to upload physical files. You simply provide the necessary data points—like years worked or average salary—and your agent performs the calculation instantly.