US 401k & IRA Optimizer Connector for AI agents.
3 live capabilities
Build a data-driven retirement plan using tax arbitrage strategies.
Waiting for input…
Why people use US 401k & IRA Optimizer
US 401k & IRA Optimizer for Tax-Efficient Retirement Planning
This Connector cuts through that noise. You just tell your agent your current income and your retirement goals, and it handles the math. You get a clear plan of which accounts to fill first and exactly how much you will save.
What Vinkius changes
You get a clear, data-backed priority list for your retirement savings.
Use it from Claude, ChatGPT, Cursor or another AI client you already have.
One account · 5,900+ Connectors
- Real-world use case 01
High-earner choosing between HSA and 401k
A user makes $150k and wants to know where their next $1,000 should go.
- Real-world use case 02
Projecting the impact of a $10k annual contribution
A user wants to see how a $10k annual investment changes their life.
- Real-world use case 03
Comparing current vs. future tax brackets
A planner wants to see if a Traditional 401k is better for a client in a 24% bracket now.
Complete set · 3capabilities
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.
01—03
3 capabilities in this set.
Part of 3 available through US 401k & IRA Optimizer.
- 01 Capability
Project wealth growth
Forecasts your total retirement balance over time based on your specific contribution plan. Use it to see your 30-year portfolio value.
- 02 Capability
Determine optimal sequence
Tells you the best order to fund your 401k, IRA, and HSA based on your tax bracket. It removes the guesswork from account prioritization.
- 03 Capability
Calculate tax savings
Shows you exactly how much money you are keeping in your pocket through tax-advantaged accounts. It quantifies your annual tax shield.
Set up in minutes
One URL. Then ask US 401k & IRA Optimizer to work.
Claude and ChatGPT only need the Connector URL. Copy it once, add it in settings, and use US 401k & IRA Optimizer from the conversation.
Choose your client
Live previewAdvanced clients IDE · CLI
Claude · Web + desktop
Connector URL · ready to paste
Streamable HTTPhttps://edge.vinkius.com/vk_preview_vI0IYo9TRur9mj0qaHuzPhgVEMEwgJifAsFadWz6/mcp - Step 01
Open Connectors
In Claude Web or Claude Desktop, open Settings and choose Connectors.
- Step 02
Add the URL
Choose Add custom connector, name it US 401k & IRA Optimizer, and paste the URL above.
- Step 03
Turn it on in chat
Select +, open Connectors, and enable US 401k & IRA Optimizer for the conversation.
ChatGPT · Web + desktop
Connector URL · ready to paste
Streamable HTTPhttps://edge.vinkius.com/vk_preview_vI0IYo9TRur9mj0qaHuzPhgVEMEwgJifAsFadWz6/mcp - Step 01
Open MCP settings
On desktop, open Settings and MCP servers. On web, open your workspace app or connector settings.
- Step 02
Add the URL
Choose Add server with Streamable HTTP, or create a custom MCP app, then paste the US 401k & IRA Optimizer URL.
- Step 03
Save and start
Save the connection and enable US 401k & IRA Optimizer in your conversation. Desktop may ask you to restart once.
Cursor · IDE configuration
Advanced setup
{
"mcpServers": {
"us-401k-ira-optimizer": {
"url": "https://edge.vinkius.com/vk_preview_vI0IYo9TRur9mj0qaHuzPhgVEMEwgJifAsFadWz6/mcp"
}
}
}- Step 01
Open MCP Settings
Press Cmd+Shift+P (macOS) or Ctrl+Shift+P (Windows/Linux) → search "MCP Settings"
- Step 02
Add the server config
Paste the JSON configuration above into the mcp.json file that opens
- Step 03
Save the file
Cursor will automatically detect the new Connector
- Step 04
Start using US 401k & IRA Optimizer
Open Agent mode in chat and ask: "Using US 401k & IRA Optimizer, help me...". 3 tools available
VS Code Copilot · IDE configuration
Advanced setup
{
"mcpServers": {
"us-401k-ira-optimizer": {
"url": "https://edge.vinkius.com/vk_preview_vI0IYo9TRur9mj0qaHuzPhgVEMEwgJifAsFadWz6/mcp"
}
}
}- Step 01
Create MCP config
Create a .vscode/mcp.json file in your project root
- Step 02
Add the server config
Paste the JSON configuration above
- Step 03
Enable Agent mode
Open GitHub Copilot Chat and switch to Agent mode using the dropdown
- Step 04
Start using US 401k & IRA Optimizer
Ask Copilot: "Using US 401k & IRA Optimizer, help me...". 3 tools available
Windsurf · IDE configuration
Advanced setup
{
"mcpServers": {
"us-401k-ira-optimizer": {
"url": "https://edge.vinkius.com/vk_preview_vI0IYo9TRur9mj0qaHuzPhgVEMEwgJifAsFadWz6/mcp"
}
}
}- Step 01
Open MCP Settings
Go to Settings → MCP Configuration or press Cmd+Shift+P and search "MCP"
- Step 02
Add the server
Paste the JSON configuration above into mcp_config.json
- Step 03
Save and reload
Windsurf will detect the new server automatically
- Step 04
Start using US 401k & IRA Optimizer
Open Cascade and ask: "Using US 401k & IRA Optimizer, help me...". 3 tools available
Cline · IDE configuration
Advanced setup
{
"mcpServers": {
"us-401k-ira-optimizer": {
"url": "https://edge.vinkius.com/vk_preview_vI0IYo9TRur9mj0qaHuzPhgVEMEwgJifAsFadWz6/mcp"
}
}
}- Step 01
Open Cline MCP Settings
Click the Connectors icon in the Cline sidebar panel
- Step 02
Add remote server
Click "Add Connector" and paste the configuration above
- Step 03
Enable the server
Toggle the server switch to ON
- Step 04
Start using US 401k & IRA Optimizer
Ask Cline: "Using US 401k & IRA Optimizer, help me...". 3 tools available
Claude Code · Terminal command
Advanced setup
claude mcp add us-401k-ira-optimizer --transport http "https://edge.vinkius.com/vk_preview_vI0IYo9TRur9mj0qaHuzPhgVEMEwgJifAsFadWz6/mcp"- Step 01
Install Claude Code
Run npm install -g @anthropic-ai/claude-code if not already installed
- Step 02
Add the Connector
Run the command above in your terminal
- Step 03
Verify the connection
Run claude mcp to list connected servers, or type /mcp inside a session
- Step 04
Start using US 401k & IRA Optimizer
Ask Claude: "Using US 401k & IRA Optimizer, show me...". 3 tools are ready
Where the request belongs
Work US 401k & IRA Optimizer can move forward.
This is for high-earning professionals who are tired of guessing their tax strategy and want a data-driven way to maximize their nest egg.
Financial Planner
Use it to quickly run what-if scenarios for clients during a planning session to show them the best funding order.
High-Income Employee
Use it to figure out how to shield the most income from taxes this year by prioritizing the right accounts.
Early Retirement Planner
Use it to model how aggressive contributions today impact long-term wealth and tax liability.
Build the capability set
Add more capabilities.
Each Connector adds new actions and data without changing how you work.
Browse Connectors
Retirement Planning Engine
Project retirement savings growth, optimize Social Security benefits, and simulate withdrawal success.
US 401k Contribution Calculator
Calculate 401k contribution limits, employer matching, tax savings, and retirement growth projections.
Retirement Withdrawal Calculator
Estimate the sustainability of your retirement withdrawals using Monte Carlo simulations.
Compound Interest Optimizer
Detailed investment growth projections accounting for inflation, taxes, and penalties.
Addepar
Investment management and reporting. manage portfolios, accounts, and financial performance via AI.
Investment Profitability Comparator
Compare net returns of CDB, Treasury Selic, Savings, and DI Funds after regressive income tax.
Bring your own AI
Change the model, client or framework. Keep US 401k & IRA Optimizer connected.
-
Claude -
ChatGPT -
Gemini -
Cursor -
VS Code -
Windsurf -
ZCode -
Cline -
Zed -
Continue -
Kiro -
Roo Code -
Zencoder -
Goose -
Void -
Augment Code -
Amp -
Qodo -
Tabnine -
Pieces -
Sourcegraph Cody -
JetBrains -
Warp -
Amazon Q -
Antigravity -
BoltAI -
Raycast -
Jan -
LM Studio -
AnythingLLM -
Open WebUI -
Msty -
Cherry Studio -
LibreChat -
TypingMind -
Chorus -
5ire -
n8n -
LangChain -
LlamaIndex -
CrewAI -
Vercel AI SDK
Before you connect
Questions about US 401k & IRA Optimizer.
The practical details behind the request, access and result.
What does the US 401k & IRA Optimizer do?
It helps you determine the most tax-efficient way to fund your retirement accounts. It analyzes your income and tax brackets to tell you which accounts to prioritize.
Can the US 401k & IRA Optimizer help with tax arbitrage?
Yes. It specifically looks for opportunities to save you more money by comparing your current tax rates against your projected future rates.
How do I know which account to fund first?
The Connector provides a prioritized list. It takes into account factors like employer matches, HSA eligibility, and your specific marginal tax rate.
Can I see my projected retirement balance?
Yes. You can use the capability to forecast how your total portfolio will grow over several decades based on your specific contribution plan.
Does the US 401k & IRA Optimizer work for HSAs?
Yes. It includes HSAs as a core part of the optimization logic because they offer significant tax advantages for retirement planning.
How much tax can I actually save?
The capability calculates your specific annual tax shield. It turns complex tax laws into a clear dollar amount you will save each year.
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.
Can I use this for HSA planning?
Yes. The capability checks your hasHsaEligibility and prioritizes HSA contributions due to their triple tax advantage.
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.
One connection away
Give your agent a direct line to US 401k & IRA Optimizer.
Connect US 401k & IRA Optimizer once. Keep it beside 5,900+ managed Connectors when the next task needs more.
Explore every Connector No credit card required · Free tier available