Owl - Optimal wealth lab

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 tax-free Roth balances through early-retirement conversions.

Key capabilities

• Tax optimization — federal + state income tax (all 50 states + DC), LTCG brackets, NIIT, Medicare IRMAA, and ACA premiums all embedded in the optimizer
• Account types — taxable, tax-deferred (401k/IRA), Roth, and HSA accounts with full contribution and withdrawal rules
• Roth conversions — amounts and timing co-optimized with spending and bequest goals
• Social Security — own, spousal, and survivor benefits; optional MILP co-optimization of claiming age (monthly resolution, 62–70)
• Pension & SPIA — pension income with survivor fractions; IRA-funded SPIA with optional CPI indexing and joint-and-su

... View full README on GitHub