{"repo":"mdlacasse/Owl","free":true,"listed":false,"github":"https://github.com/mdlacasse/Owl","clone":"git clone https://github.com/mdlacasse/Owl.git","description":"Retirement planner with great wisdom","language":"Python","stars":65,"topics":["jupyter-notebook","python","retirement","optimization","retirement-calculator","retirement-planner","retirement-planning","linear-programming","roth-ira","monte-carlo"],"license":"GPL-3.0","category":"mcp-servers","readme_excerpt":"Owl - Optimal wealth lab %22&replace=%241&label=latest) Open-source retirement planning optimizer powered by Actual Intelligence — connect it to your AI assistant Roth conversion optimizer · Social Security claiming strategy · Monte Carlo retirement simulator · Python retirement calculator · AI retirement planner · MCP retirement tool · Claude Gemini Cursor Zed VS Code --- TL;DR Owl is an open-source retirement planning tool that helps US retirees answer the hardest questions in retirement income planning: when to claim Social Security, how much to convert to Roth each year, which accounts to withdraw from first, and how to minimize lifetime taxes. It uses mixed-integer linear programming to optimize withdrawal strategies rather than merely simulate them, finding the mathematically best sequence of decisions across all accounts simultaneously. Users can stress-test their plan with historical back-testing, Monte Carlo simulation with sequence-of-returns risk, or fixed rates derived from historical averages. Owl covers the full US tax landscape: federal income tax, state income taxes for all 50 states and DC, long-term capital gains, NIIT, Medicare IRMAA surcharges, ACA marketplace premiums, RMDs, and Roth conversion rules — all embedded directly in the optimizer so that tax-efficient retirement income planning is built into every result, not applied as an afterthought. Optimized account balances over time (today's dollars): Owl draws down tax-deferred accounts while growing ta","default_branch":null,"files":null,"tree":[],"storefront":"/r/mdlacasse","claimed":false,"request_supported":{"post":"https://gitbuyer.com/r/mdlacasse/Owl/request-supported","requests":0},"note":"indexed from public GitHub; nothing is for sale on this page. Clone it from GitHub. Paid listings live at /search."}