io.github.CSOAI-ORG/personal-finance-ai-mcp

Analyze spending against recommended budget allocations. Args: monthly_income: Gross monthly income. expenses: List of expenses with keys: category, amount, description (optional). Categories: housing, transportation, food, utilities, healthcare, savings, personal, entertainment, debt_payments. Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage. When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards. When NOT to use: Not suitable for real-time production decision-making without human review of results. Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.

Calculate time to reach a savings goal with compound interest. Args: target_amount: Savings target in dollars. current_savings: Current savings balance. monthly_contribution: Monthly savings amount. annual_return_pct: Expected annual return percentage. inflation_pct: Expected annual inflation percentage. Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage. When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards. When NOT to use: Not suitable for real-time production decision-making without human review of results. Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.

Create a debt payoff plan using avalanche or snowball method. Args: debts: List with keys: name, balance, interest_rate_pct, min_payment. Example: [{"name": "Credit Card", "balance": 5000, "interest_rate_pct": 19.9, "min_payment": 100}] extra_monthly_payment: Additional monthly amount above minimums. strategy: avalanche (highest interest first) | snowball (smallest balance first). Behavior: This tool generates structured output without modifying external systems. Output is deterministic for identical inputs. No side effects. Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage. When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards. When NOT to use: Not suitable for real-time production decision-making without human review of results.

Analyze investment growth with asset allocation modeling. Args: initial_investment: Starting investment amount. monthly_addition: Monthly contribution. years: Investment horizon in years. allocation: Asset allocation percentages. Example: {"stocks": 60, "bonds": 30, "cash": 10}. Defaults to age-based if omitted. Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage. When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards. When NOT to use: Not suitable for real-time production decision-making without human review of results.

Estimate US federal income tax liability. Args: gross_income: Total gross income. filing_status: single | married | head_of_household. deductions: Dict of itemized deductions. Example: {"mortgage_interest": 12000, "charity": 3000}. Uses standard deduction if total itemized is lower. state: State code for state tax estimate (simplified). self_employment_income: Self-employment income (subject to SE tax). Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage. When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards. When NOT to use: Not suitable for real-time production decision-making without human review of results.