# calcular_quanto_para_aposentar

Calcula o patrimônio necessário para aposentadoria e o aporte mensal necessário. Usa a Regra da Taxa Segura de Saque (Trinity Study): patrimônioAlvo = (gasto × 12) / taxa_saque. Suporta gasto categorizado (DESPESA_PESSOAL) — passe gastosCategorizadosCents para quebrar por moradia/saude/lazer/etc. Trabalha em reais de hoje (taxa real descontada de inflação). Retorna: patrimônio-alvo, aporte necessário, projeção com aporte atual, tempo até independência financeira.

Agent View of the PolicyLayer registry record for `calcular_quanto_para_aposentar`. HTML page: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-quanto-para-aposentar

## Facts

- Tool: `calcular_quanto_para_aposentar`
- Server: Contaí — Calculadoras Fiscais Brasileiras (`@contai-evoluke/mcp-server`) — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server.md
- Install: `npx -y @contai-evoluke/mcp-server`
- Homepage: https://github.com/lfhillesheim/calculadora
- Risk category: Read (Low risk)
- Registry record: grade B, identity unverified
- Server rate-limited: no
- Parameters: 8 (7 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `idadeAtual` | integer | yes | Idade atual em anos inteiros (18 a 80) |
| `patrimonioAtualCents` | integer | yes | Patrimônio financeiro atual em centavos |
| `taxaRealAnualPercent` | number | yes | Taxa de retorno real anual (descontada inflação) em % (ex: 5.0) |
| `aporteMensalAtualCents` | integer | yes | Aporte mensal atual para investimentos em centavos |
| `idadeMetaAposentadoria` | integer | yes | Idade alvo para aposentadoria em anos inteiros (35 a 90) |
| `taxaSeguraSaquePercent` | number | yes | Taxa segura de saque anual em % (regra 4% = 4.0) |
| `gastoMensalDesejadoCents` | integer | yes | Renda/gasto mensal desejado na aposentadoria em centavos (usado quando gastosCategorizadosCents é vazio) |
| `gastosCategorizadosCents` | array | no | Gastos meta na aposentadoria por categoria (DESPESA_PESSOAL). Quando NÃO-vazio, a soma substitui gastoMensalDesejadoCents para o cálculo do patrimônio-alvo. Cat |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "calcular_quanto_para_aposentar",
    "arguments": {
      "idadeAtual": 0,
      "patrimonioAtualCents": 0,
      "taxaRealAnualPercent": 0,
      "aporteMensalAtualCents": 0,
      "idadeMetaAposentadoria": 0,
      "taxaSeguraSaquePercent": 0,
      "gastoMensalDesejadoCents": 0
    }
  }
}
```

## Why calcular_quanto_para_aposentar is rated Low

This is a financial calculator that retrieves and computes retirement planning metrics using the Trinity Study formula. It takes user-provided financial parameters and returns projections—purely analytical with no side effects.

From the tool's own definition: "Tool performs calculations based on input parameters (gasto, taxa_saque, gastosCategorizadosCents) and returns computed results: patrimônio-alvo, aporte necessário, projeção, tempo até independência financeira."

Risk signals: High parameter count (11 properties)

## Use case

AI agents call calcular_quanto_para_aposentar to retrieve information from Contaí — Calculadoras Fiscais Brasileiras without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

## Recommended policy (PolicyLayer)

Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Contaí — Calculadoras Fiscais Brasileiras:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "calcular_quanto_para_aposentar": {}
  }
}
```

## Other tools on Contaí — Calculadoras Fiscais Brasileiras (138)

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- `calcular_auxilio_doenca` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-auxilio-doenca.md
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- `calcular_bdr_vs_etf_vs_acao_direta` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-bdr-vs-etf-vs-acao-direta.md
- `calcular_bola_de_neve_dividas` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-bola-de-neve-dividas.md
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- `calcular_calculadora_milhas_passagem` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-calculadora-milhas-passagem.md
- `calcular_calorias_macros` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-calorias-macros.md
- `calcular_capital_de_giro_necessario` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-capital-de-giro-necessario.md
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- `calcular_consorcio_vs_financiamento` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consorcio-vs-financiamento.md
- `calcular_consultoria_pj_saude_financeira` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consultoria-pj-saude-financeira.md
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- `calcular_custo_efetivo_total` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-custo-efetivo-total.md
- …and 108 more: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=io-github-lfhillesheim-contai-mcp-server · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-lfhillesheim-contai-mcp-server