Retirement tax calculations for your AI assistant

Connect to Dipperfield

In a client that supports custom remote MCP servers, add this address as a Streamable HTTP connection. No Dipperfield account or API key is needed.

Your client’s plan and connection settings determine whether you can add a custom server. Dipperfield is not listed in the OpenAI or Claude directories. A directory listing is not required to use a client’s supported custom connection.

Five read-only tools

Each tool computes one year. Results include source tables, the year used, how the figures were computed and a link to the same inputs in the Dipperfield planner.

This year’s retirement withdrawalsplan_this_year

Work out how much to take from cash, brokerage, traditional and Roth accounts while staying under the tax lines you choose.

Roth conversion room and taxroth_conversion

Find the conversion room under a federal bracket, IRMAA tier or ACA line, or calculate the federal tax a given conversion adds.

Medicare IRMAAirmaa_check

Check the surcharge tier for an income and the room before the next tier. Published tiers stand in when the future year’s tiers are not yet available.

ACA subsidy and coverage linesaca_subsidy_line

Check the premium tax credit and room under the 400% poverty line, cost-sharing reductions, and state-specific Medicaid or Basic Health Program coverage.

Required minimum distributionrmd

Calculate an IRA owner’s RMD from the prior year-end balance and birth year. Inherited IRAs are not covered by this tool.

After connecting, try asking

• “Use Dipperfield to find how much I can convert to Roth without crossing my next IRMAA tier.”
• “Use Dipperfield to check my room under the ACA subsidy line.”
• “Use Dipperfield to calculate my RMD this year.”

The assistant needs your inputs before it can call a tool. Check the tool’s source year and assumptions in the answer. Multi-year conversion paths and the year-end check are not MCP tools. They are available in the website planner with a subscription.

Where your figures go

Your assistant sends the inputs to Dipperfield’s server on Cloudflare. Dipperfield returns the result and never stores or logs the inputs or results. Only the tool name, outcome and duration are counted, for up to 7 days.

Your assistant’s provider handles your conversation, tool inputs and results under its own terms. If you would rather keep your figures in your browser, use the website calculators instead. They do not call an AI model.

Read the privacy policy. Dipperfield is calculation software, not tax, legal or investment advice.