Glacier Planner — Free Canadian Retirement Calculator

npx add-mcp 'https://planner.glacierfinancial.ca/calculate/mcp'

Canadian retirement projections for your app or agent.

Glacier Planner is a Canadian retirement-planning engine. It projects savings, CPP/QPP, OAS, pensions, tax, withdrawals and estate year by year, using federal and provincial rules. The engine computes every number. Your code or assistant supplies explicit inputs and explains the result.

The free public calculator is enabled, subject to the supported scope, request limits and service readiness. No account, API key, token or payment is needed.

Connect the free calculator

Use this public MCP endpoint for a basic retirement projection and one optional what-if. No Glacier account or API key is needed.

https://planner.glacierfinancial.ca/calculate/mcp

Review the server entry in your editor before connecting. You can also copy the settings below.

Copy the connection settings

Merge the glacier-calculator server entry with any existing settings.

Cursor

Use ~/.cursor/mcp.json:

{
  "mcpServers": {
    "glacier-calculator": {
      "url": "https://planner.glacierfinancial.ca/calculate/mcp"
    }
  }
}

VS Code

Use .vscode/mcp.json:

{
  "servers": {
    "glacier-calculator": {
      "type": "http",
      "url": "https://planner.glacierfinancial.ca/calculate/mcp"
    }
  }
}

After connecting, discover calculate_retirement. You can start with:

Use Glacier Planner’s public calculator for a retirement what-if. Ask me for missing numbers, show the inputs and assumptions, and wait for my confirmation before calculating.

Your editor or AI provider may have its own access and approval requirements. Review the live input schema and the supported scope before calculating.

Prefer the browser? Open the free calculator ↗

Two ways in

Access	Public calculator	Saved plans
Endpoint	POST /api/calculate MCP /calculate/mcp	MCP /mcp
Sign-in	No account, API key or token	OAuth in the person’s browser
Financial inputs	Not saved by the public calculator. The caller keeps the returned input artifact.	Saved in the person’s Glacier account, under their permissions
Scope	One or two people, basic income, savings, pensions, CPP/QPP and OAS	Supported full-planner tools under account permissions and feature access
Limits	A bounded public allowance; an explicit alternative uses two calculation units	Plan access and normal request limits

HTTP calls are made server-side. Browser requests from arbitrary origins are refused with 403 invalid_origin. Your caller or AI host may retain the information it sends or receives.

Quickstart over HTTP

1. Read the live contract, input schema and supported scope.

   curl -fsS 'https://planner.glacierfinancial.ca/api/calculate'
   

2. Download a made-up example. It has assumptionsAccepted:false and must fail calculation as downloaded.

   curl -fsS 'https://planner.glacierfinancial.ca/guides/retire-at-63-or-65-canada/template.json' -o glacier-example.json
   

   Inspect the worked example ↗
3. Review the inputs and assumptions with the person. Only after explicit confirmation, create confirmed-request.json containing exactly {"input": <reviewed input>}, with assumptionsAccepted:true. Send that file when calculation is available.

   curl --fail-with-body -sS 'https://planner.glacierfinancial.ca/api/calculate' -H 'Content-Type: application/json' --data-binary @confirmed-request.json
   

The example household is made up. It is a demonstration, never a person’s plan. Ask for missing facts and explicit confirmation; never accept assumptions on someone’s behalf.

Connect saved plans

For saved household work, use the separate OAuth connection:

https://planner.glacierfinancial.ca/mcp

Setup steps for each assistant ↗. Test your actual client. Protocol support alone does not guarantee a hosted assistant will connect.

Install the agent skill

npx skills add marcpineault/glacier-planner-agents

Review the public documentation repository ↗ and choose your supported agent and installation location. Installation adds instructions; it does not connect an account, confirm assumptions or enable payment.

Read the skill before installing ↗

Read the scope before using a result

The public first calculation covers a basic household. Property, debts, corporations, children, LIRA/LIF and planned extra contributions are excluded. GIS, Allowance and refundable benefit payments are not included; missing benefits can make a projected shortfall look larger. Other exclusions and assumptions are listed in the live contract.

Results include annual figures, assumptions, the engine version, tax-rate fingerprint and a portable input artifact. Saved-result comparisons retain the dates and rules used for each stored calculation.

How the calculations work ↗

Projections and education, not personalized investment advice.