Nest

Nest — connector documentation

• MCP endpoint: https://nest.connectorbay.com/mcp
• REST API: POST https://nest.connectorbay.com/v1/tools/{tool_name}, described by the OpenAPI 3.1 spec at https://nest.connectorbay.com/openapi.json
• Transport: Streamable HTTP, stateless, MCP specification 2025-06-18 or later
• Authentication: none required. An optional Authorization: Bearer <key> raises rate limits.
• Health: https://nest.connectorbay.com/health · Tool schemas: https://nest.connectorbay.com/tools.json
• Publisher: Unify Dynamics LLC · connectorbay.com/nest · agent@connectorbay.com

What Nest is for

"What's the 401(k) limit this year", "what will $10,000 plus $500 a month become by 65", "what's my check if I claim Social Security at 62 instead of 67", "what's my RMD on $400,000 at 75", "Roth or traditional if I'm in a higher bracket now" — the retirement-planning questions people ask an assistant before they ask a financial advisor. Nest answers them with real arithmetic over published, dated IRS and SSA figures — no upstream calls, no accounts, nothing stored.

What it does

Contribution limits. Current IRS employee deferral and catch-up limits for 401(k), 403(b), traditional IRA, Roth IRA, and HSA for 2025 and 2026, including the SECURE 2.0 "super catch-up" for ages 60-63 (401(k)/403(b) only, in effect since 2025). A dedicated eligibility check tells whether a given age/account/year qualifies for the standard catch-up or the super catch-up.

Savings projections. A year-by-year compound-growth projection from a starting balance and annual contribution to a target retirement age, with an optional annual contribution growth rate for raises; and the reverse calculation — the flat annual contribution needed to reach a target corpus.

Social Security. Full retirement age (FRA) by birth year from the published SSA table (65-67), and an adjustment of a known Primary Insurance Amount (from your own SSA statement) for claiming early — using SSA's real 5/9%-per-month (first 36 months) then 5/12%-per-month reduction — or delayed up to age 70 at SSA's 8%/year delayed retirement credit. Nest does not compute a PIA from an earnings history; that requires SSA's own indexed record.

RMDs. Required Minimum Distributions using the current SECURE 2.0 start age (73 through 2032, rising to 75 in 2033) and the IRS Uniform Lifetime Table divisor for the account owner's age.

Roth vs. traditional. An illustrative ending-value comparison of Roth and traditional contributions of the same pre-tax dollars, under tax rates you supply for today and for retirement — real computed math, clearly not a substitute for individualized tax advice.

Roth IRA income limits. Checks a filing status and Modified Adjusted Gross Income against the current-year Roth IRA phase-out range: full contribution allowed, partially phased down, or not allowed.

Glossary. Plain-language definitions of common terms: RMD, catch-up contribution, super catch-up, vesting, FRA, PIA, Roth conversion, the 4% rule, sequence-of-returns risk, employer match, MAGI, the Uniform Lifetime Table, qualified Roth distributions, and the backdoor Roth.

What it is not

Not personalized financial, tax, or retirement advice, and not a substitute for a financial advisor, tax professional, or the Social Security Administration. It does not know your actual earnings history, other income, state taxes, employer plan rules, or filing details beyond what you supply. Contribution limits and phase-out ranges are supported for 2025 and 2026 only — the tables need updating when the IRS or SSA publishes new figures for a later year. RMD and Roth-vs-traditional math uses the Uniform Lifetime Table (for an owner whose spouse, if any, is not more than 10 years younger and the sole beneficiary) and stated tax-rate assumptions respectively — real situations are often more complex.

Built and maintained by Unify Dynamics LLC. Contact: agent@connectorbay.com.

Tools

Contribution limits

contribution_limits — Current IRS employee contribution limit and catch-up limit for a 401(k), 403(b), traditional IRA, Roth IRA, or HSA in 2025 or 2026, including the SECURE 2.0 age 60-63 super catch-up for 401(k)/403(b). Use for "401k limit for 2026", "HSA family limit 2025". Args: year, account_type.

catch_up_contribution_check — Whether someone at a given age qualifies for the standard catch-up, or the SECURE 2.0 age 60-63 "super catch-up" (401(k)/403(b) only, since 2025), for a given account type and year. Use for "am I eligible for the super catch-up at 61 in a 401k in 2026". Args: age, account_type, year.

roth_ira_income_limit_check — Checks a filing status and MAGI against the current-year Roth IRA phase-out range: full, partial (phased), or not allowed for a direct contribution. Use for "can I contribute to a Roth IRA at $170,000 MAGI married filing jointly in 2026". Args: filing_status, magi, year.

Savings & goals

retirement_savings_projection — Compound-growth projection of a retirement account to a target age, with a year-by-year schedule; the contribution may grow annually (e.g. with raises). Use for "what will $10,000 now plus $6,000/year at 7% become by 65, with 3% raises". Args: current_age, retirement_age, current_balance, annual_contribution, expected_return_pct, contribution_growth_pct.

required_sip_for_goal — Reverse calculator: the flat annual (and approximate monthly) contribution needed to reach a target retirement corpus by a given age. Use for "how much do I need to save each year to have $1.5 million by 67". Args: current_age, retirement_age, target_corpus, current_balance, expected_return_pct.

roth_vs_traditional — Illustrative ending after-tax value of Roth vs. traditional contributions of the same pre-tax dollars, under stated current/retirement tax-rate assumptions — real computed math, clearly not a full tax projection. Use for "Roth or traditional if I'm in the 22% bracket now and 12% in retirement". Args: current_tax_rate_pct, expected_retirement_tax_rate_pct, annual_contribution, years, expected_return_pct.

Social Security & RMD

social_security_estimate — Adjusts a known Primary Insurance Amount for claiming early (as early as 62, using SSA's 5/9%-per-month then 5/12%-per-month reduction) or delayed (up to 70, at SSA's 8%/year delayed credit). Does NOT compute PIA from an earnings history — that requires SSA's own record. Use for "I claim at 62 with a $2,400 PIA, what's my check", "what if I wait until 70". Args: birth_year, claiming_age, estimated_pia_at_fra.

full_retirement_age — Looks up a birth year's Social Security full retirement age (65-67) from the published SSA table. Use for "what's my full retirement age if I was born in 1988". Args: birth_year.

rmd_calculator — Required Minimum Distribution using the current SECURE 2.0 start age (73 through 2032, 75 from 2033) and the IRS Uniform Lifetime Table divisor. Use for "RMD on $400,000 at age 75 in 2026". Args: account_balance, age, year.

Reference

retirement_glossary — Definitions of common US retirement-planning terms (RMD, catch-up contribution, vesting, FRA, PIA, Roth conversion, the 4% rule, ...). Use for "what does vesting mean", "what's the 4% rule". Args: term.

Conventions

• Read-only. Every tool reads public data or computes; nothing is written anywhere and nothing about the user is stored.
• Result envelope. ok: true with data, or ok: false with a structured error (bad_input, not_found, upstream_error). degraded lists optional sources that were unreachable.
• Rate limits. Free tier 60 tool calls/minute and 300/day per user (keyed on the user identifier supplied by the host agent, else client IP); Pro keys raise this. Over-limit calls return HTTP 429 with Retry-After. initialize and tools/list are never counted.

Support

agent@connectorbay.com · connectorbay.com/nest/support

Nest — Privacy Policy

Effective 24 September 2026. Unify Dynamics LLC ("we", "us"), Menlo Park, California.

What Nest is. Nest is a connector (an MCP server and REST API) that AI assistants and personal agents call on your behalf for US retirement-planning calculations: contribution and catch-up limits, savings projections, Social Security claiming-age adjustments, RMDs, and a Roth-vs-traditional comparison. You interact with your assistant; the assistant sends us only the numbers needed for that one calculation.

What we receive. The arguments of each tool call — ages, birth years, account balances, contribution amounts, return-rate assumptions, a filing status, an income (MAGI) figure, and tax-rate assumptions — the technical headers needed to serve the request (an IP address or a client identifier supplied by the assistant, and a Pro API key if you have one), and standard server logs.

Everything is computed on our server and nothing is stored. Every calculation uses bundled, dated IRS/SSA rate tables and standard published formulas computed from the numbers you provide; no request is forwarded to any third party, and no query — including any balance, income, or birth-year figure you enter — is logged in request bodies, recorded, or used to train anything.

What we do not receive or store. We do not receive your conversation with the assistant, your name, Social Security number, my Social Security account credentials, plan account numbers, or any other identifying or account information, and we do not build a financial profile from your queries: each calculation is answered independently and nothing carries over between requests. Rate-limit counters (a client identifier and timestamps) are held in memory for at most 24 hours. Hosting-provider access logs, which contain IP addresses and request paths but not request bodies, are retained for up to 30 days for security and abuse prevention.

Sub-processors. None — every tool is computed locally. Hosting: Vercel (United States regions).

Legal bases and your rights. For users in California, the EU/UK and elsewhere, our processing is necessary to provide the service you request through your assistant. Because we store no personal data beyond short-lived logs, requests to access, correct or delete personal data are usually satisfied automatically; you can still contact agent@connectorbay.com and we will respond within 30 days. We do not sell or share personal information and do not use your data to train models.

Children. Nest is a general-audience service for adults; we knowingly collect no personal data from anyone.

Changes. We will post changes here with a new effective date.

Nest — Terms of Service

Effective 24 September 2026. These terms govern use of the Nest connector ("the Service") operated by Unify Dynamics LLC ("we", "us").

1. The Service. Nest returns US retirement-planning calculations — IRS contribution and catch-up limits, compound-growth savings projections, Social Security claiming-age adjustments and full retirement age, IRS Uniform Lifetime Table RMDs, an illustrative Roth-vs-traditional comparison, Roth IRA income limit checks, and a glossary — computed from bundled, dated IRS/SSA rate tables and the numbers you provide. It is accessed through an AI assistant or directly over MCP or HTTP.
2. Not financial, tax, or retirement advice. Nest's calculations are general educational information and illustrative projections based on rates and assumptions you supply or that are bundled from published government tables — not a recommendation, and not individualized financial, tax, or retirement planning advice. Consult a financial advisor, a tax professional, or the Social Security Administration for guidance tailored to your situation before making a decision.
3. PIA is not computed from your earnings. social_security_estimate adjusts a Primary Insurance Amount you already know (e.g. from your own SSA statement) for claiming age. It does not calculate a PIA from an earnings history, which requires the Social Security Administration's own indexed-earnings record — use ssa.gov or your my Social Security account for that.
4. Rates and rules change. Contribution limits, catch-up amounts, and Roth IRA phase-out ranges are supported for tax years 2025 and 2026 as published by the IRS at build time; the government revises these figures annually. RMD start-age rules and the Uniform Lifetime Table reflect the SECURE 2.0 Act as currently in effect. Always check irs.gov or ssa.gov before relying on a figure for a filing or a decision.
5. Estimates, not guarantees. Actual investment returns, tax outcomes, and Social Security benefit calculations vary by individual circumstances; nothing in the Service guarantees any particular outcome.
6. Acceptable use. Automated use within the published rate limits is welcome.
7. Availability. The Service is provided "as is" without warranty. We may change, limit or discontinue it at any time.
8. Data. Our Privacy Policy describes what we process. In short: your query is answered on our server and nothing is stored.
9. Attribution. Internal Revenue Service (IRS); Social Security Administration (SSA).
10. Pro keys. Optional Pro API keys are issued at our discretion, are personal to the holder and may be revoked for abuse.
11. Liability. To the fullest extent permitted by law, Unify Dynamics LLC is not liable for any financial loss arising from use of or reliance on the Service. Our total liability is limited to US $100.
12. Governing law. California law; venue in San Mateo County, California.
13. Contact. Unify Dynamics LLC · agent@connectorbay.com · https://connectorbay.com/nest

Nest support

Email agent@connectorbay.com. We answer within two business days.

• MCP endpoint: https://nest.connectorbay.com/mcp
• REST API: https://nest.connectorbay.com/openapi.json
• Live status: https://nest.connectorbay.com/health

When you report a problem, include the question you asked your agent, roughly when, and which agent you used (for example Claude, ChatGPT or Gemini). Never send us passwords, account numbers or ID numbers. Nest never asks for them.