Owl
Active·★ 88·GPL-3.0·Updated 2026-10-20
Owl is an open-source retirement planning tool that optimizes complex financial decisions like Roth conversions and Social Security claiming strategies. It utilizes mixed-integer linear programming and comprehensive US tax rules to find the mathematically best sequence of decisions across all accounts simultaneously.
#Retirement Planning#Financial Optimization#Tax Strategy#Monte Carlo Simulation#Social Security Planning#Python#AI Integration
01
Features
01Comprehensive Tax Optimization (Federal, State, Capital Gains, Medicare, ACA) embedded in the optimizer.
02Strategic Account Management for taxable, tax-deferred, Roth, and HSA accounts with full contribution and withdrawal rules.
03Optimal Decision Making for Roth conversions and Social Security claiming age, co-optimized with spending and bequest goals.
04Advanced Stochastic Analysis, including Monte Carlo simulations with longevity risk and spending efficiency frontiers.
05AI Assistant Integration via an MCP server, allowing AI clients to run optimizations through natural conversation.
02
Compatibility
Python
Runtime
Verified via docs
Docker
Containerization
Verified via docs
Streamlit
Web Interface
Verified via docs
AI Assistants
AI Integration
Verified via docs
03
Quick start
1
$ pip install owlplanner
04
Use cases
↳Determine optimal Roth conversion amounts and timing to minimize lifetime taxes.
↳Identify the mathematically best Social Security claiming age (62-70) for an individual or couple.
↳Stress-test retirement plans using historical back-testing and Monte Carlo simulations for sequence-of-returns risk.
↳Compare different retirement scenarios and compute probability-of-success frontiers to inform financial decisions.
↳Receive AI-driven financial planning insights by connecting to compatible AI assistants via natural language.
05
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