Retirement Estimator for Claude

Plan your finances with Claude and the Retirement Estimator app by ITDT LLC (iPhone, iPad, and Mac with Apple silicon, on the App Store). Tell Claude about your income, savings, investments and expenses in plain words. Claude asks questions one at a time, builds your plan as a file, and you import it into the app to see your graphs, compare what-ifs, and run Monte Carlo simulations.

Watch how it works

Watch the 12-minute walkthrough on YouTube: Claude interviews Elira about her finances, builds her plan, and she imports it into Retirement Estimator to see her graphs and a Monte Carlo run.

One short video for each feature added since:

• Claude Models Growing 401(k) Withdrawals Between Your Accounts (skill 1.1.0)
• Claude Explains RMDs and Adds Them to Your Retirement Plan (skill 1.2.0)
• Claude Updates the Plan Already in Your App From a CSV Report (skill 1.3.0)
• How to Update Your Retirement Estimator Skill in Claude (skill 1.3.1)
• Add Your Own Financial Rules to the Retirement Estimator Skill in Claude (skill 1.3.2)
• Spend Down an IRA by 95 and Redo It Before Every Withdrawal (skill 1.4.0)
• Update Your Retirement Plan in a Minute With Update Balances (skill 1.5.0)

What's in it

This plugin contains two skills:

• retirement-estimator: set up a retirement plan, a budget, or any plan of money coming in, saved and spent. Change a plan that's already in the app (from a CSV report), add required minimum distributions, and spend an account down by an age you choose, with the amount to withdraw redone before every withdrawal.
• social-security-claiming: from the full-retirement-age amount on your Social Security statement and your birth date, work out your benefit at any claiming age from 62 to 70 with SSA's rules, and add the ages you want to compare to your plan.

Use it

1. Get Retirement Estimator from the App Store. Importing a plan needs the Import/Export Data purchase (included in Premium).
2. In Claude, choose Opus (Opus 5.5 or later is recommended) and make sure code execution and file creation are on.
3. Ask, for example: "Help me set up my retirement plan in Retirement Estimator." or "How much can my mom spend each month so her IRA lasts until she's 95?"
4. Download the plan file Claude makes and open it. Retirement Estimator checks it and imports it.

More, including videos: https://itdtllc.com/retirement-claude.html

Versions

See CHANGELOG.md for what's new in each version of both skills. Each version is also a tag and a GitHub release with that version's skill zip, and there's a video for most versions on the What's New page.

Data

The skills run only inside your Claude conversation. They send nothing anywhere and store nothing themselves. What you tell Claude stays in your Claude account under Anthropic's privacy settings. The plan files Claude makes are plain JSON that you download and open in the app, which keeps your data on your device. ITDT LLC does not receive or collect any of your information.

The bundled Python scripts (spend_down.py, ss_claiming.py) only do arithmetic on the numbers Claude passes them and read or write the plan file you're working on. They make no network calls.

Not financial advice

Claude and Retirement Estimator are estimation tools. Values Claude suggests are suggestions you can change. For financial or tax advice, consult a qualified professional.

Privacy policy: PRIVACY.md (the Retirement Estimator app's own policy is at https://itdtllc.com/privacy.html) · Support: https://itdtllc.com/contact.html