# calcular_simulador_aposentadoria

Simula aposentadoria FIRE-style. Acumula até idade alvo (juros compostos com aporte mensal e reajuste salarial) e calcula renda mensal perpétua via taxa de retirada (regra 4% Bengen, composta = 0.327%/mês). Útil pra responder "quanto preciso pra aposentar?", "se eu aposentar aos X com aporte Y, qual minha renda?". Retorna saldo final, total aportado, juros, renda mensal, série mensal trimestralizada. Fonte: matemática financeira clássica + Trinity Study.

Agent View of the PolicyLayer registry record for `calcular_simulador_aposentadoria`. HTML page: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-simulador-aposentadoria

## Facts

- Tool: `calcular_simulador_aposentadoria`
- 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 (2 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `idadeAtual` | integer | yes | Idade atual em anos |
| `aporteAnualExtra` | integer | no | Aporte extra anual em centavos (some 13º + PLR + bônus). Aplicado a cada 12 meses. Default 0. |
| `aporteMensalCents` | integer | no | Aporte mensal em centavos. Default 0. |
| `taxaMensalPercent` | number | no | Rentabilidade real mensal esperada (%). Default ~0.65% = ~8% a.a. real. |
| `idadeAposentadoria` | integer | yes | Idade pretendida de aposentadoria (deve ser > idadeAtual) |
| `patrimonioAtualCents` | integer | no | Patrimônio acumulado hoje em centavos. Default 0. |
| `taxaRetiradaMensalPercent` | number | no | Taxa de retirada mensal pós-aposentadoria. Default 0.327% (regra 4% a.a. composta). |
| `reajusteAnualAportesPercent` | number | no | Reajuste anual do aporte (%) — simula crescimento salarial. Default 0. |

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_simulador_aposentadoria",
    "arguments": {
      "idadeAtual": 0,
      "idadeAposentadoria": 0
    }
  }
}
```

## Why calcular_simulador_aposentadoria is rated Low

This is a financial calculator that performs mathematical simulations and returns computed results (compound interest accumulation, retirement income projections, withdrawal rate analysis). It reads input parameters and returns calculated outputs without modifying data, creating records, executing external systems, or processing actual financial transactions.

From the tool's own definition: "Tool name contains 'simula' and description states it 'Simula aposentadoria' and 'calcula renda mensal' — these are computational/analytical operations."

## Use case

AI agents call calcular_simulador_aposentadoria 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_simulador_aposentadoria": {}
  }
}
```

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

- `calcular_mensalidade_planejador` — Financial — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-mensalidade-planejador.md
- `buscar_lei` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/buscar-lei.md
- `calcular_13o_salario` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-13o-salario.md
- `calcular_acao_trabalhista` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-acao-trabalhista.md
- `calcular_adicional_noturno` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-adicional-noturno.md
- `calcular_alocador_50_30_20` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-alocador-50-30-20.md
- `calcular_aluguel_reajuste` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-aluguel-reajuste.md
- `calcular_aluguel_vs_compra_imovel` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-aluguel-vs-compra-imovel.md
- `calcular_auditoria_beneficios_trabalhistas` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-auditoria-beneficios-trabalhistas.md
- `calcular_auxilio_doenca` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-auxilio-doenca.md
- `calcular_aviso_previo` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-aviso-previo.md
- `calcular_banco_de_horas` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-banco-de-horas.md
- `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
- `calcular_bolsa_estagio` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-bolsa-estagio.md
- `calcular_calculadora_gestacional` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-calculadora-gestacional.md
- `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
- `calcular_carne_leao` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-carne-leao.md
- `calcular_cartao_credito_cashback_anuidade` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-cartao-credito-cashback-anuidade.md
- `calcular_cdb_vs_lci_vs_tesouro_vs_poupanca` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-cdb-vs-lci-vs-tesouro-vs-poupanca.md
- `calcular_comparador_regime_tributario` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-comparador-regime-tributario.md
- `calcular_consorcio_credito_empresarial` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consorcio-credito-empresarial.md
- `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
- `calcular_consumo_agua` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consumo-agua.md
- `calcular_conversao_moedas_iof` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-conversao-moedas-iof.md
- `calcular_credito_pj_comparador` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-credito-pj-comparador.md
- `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