Personal Finance MCP server

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• analyze_budget

  Analyze household budget using the 50/30/20 rule. 50% Needs | 30% Wants | 20% Savings. expenses_json: {"rent": 20000, "food": 10000, "entertainment": 5000}

• analyze_debt_consolidation

  Analyze if consolidating multiple debts into one loan makes sense. Input debts_json: [{"name": "Credit Card", "balance": 100000, "rate": 36, "emi": 5000}]

• analyze_expense_ratio_impact

  Show how expense ratio eats into your mutual fund returns over time. Optionally compare two funds with different expense ratios.

• analyze_financial_ratios

  Calculate all key financial health ratios: Savings ratio, Debt-to-Income, Liquidity ratio, Solvency ratio, Expense ratio. Includes assessments and benchmarks.

• analyze_two_asset_portfolio

  Analyze a two-asset portfolio — return, risk, and minimum variance weights. Also finds the optimal minimum variance portfolio allocation.

• calculate_annuity_fv

  Calculate Future Value of regular periodic payments (annuity/SIP). Ordinary annuity: payments at end of period. Due: at beginning.

• calculate_annuity_pv

  Calculate Present Value of regular periodic payments. Useful for valuing loan payments, pension, lease payments.

• calculate_bond_convexity

  Calculate bond convexity — second-order measure of interest rate risk. Higher convexity = less price sensitivity to large yield changes.

• calculate_bond_duration

  Calculate Macaulay Duration and Modified Duration. Duration measures interest rate sensitivity of a bond. Modified Duration shows % price change per 1% yield change.

• calculate_bond_price

  Calculate bond price using DCF of coupon payments and face value. Price = Σ[C/(1+r)^t] + FV/(1+r)^n. coupon_frequency: 1=annual, 2=semi-annual, 4=quarterly.

• calculate_cagr

  Calculate CAGR (Compound Annual Growth Rate). CAGR = (End/Start)^(1/n) - 1. Standard measure for investment returns.

• calculate_capm_return

  Calculate expected return using CAPM. E(R) = Rf + β × (Rm - Rf). Beta < 1: defensive, Beta > 1: aggressive.

• calculate_current_yield

  Calculate Current Yield = Annual Coupon / Market Price × 100.

• calculate_dividend_yield

  Calculate dividend yield = Annual Dividend / Market Price × 100.

• calculate_effective_rate

  Calculate Effective Annual Rate from nominal rate. EAR = (1 + r/n)^n - 1. Compare rates with different compounding.

• calculate_emergency_fund

  Calculate recommended emergency fund size (3-6 months of expenses). Adjusts for dependents and job stability. job_stability: stable, moderate, unstable.

• calculate_emi

  Calculate EMI (Equated Monthly Instalment) for a loan. EMI = P × r × (1+r)^n / ((1+r)^n - 1). Also shows total interest paid and interest-to-principal ratio.

• calculate_future_value

  Calculate Future Value of a lump sum investment with compounding. FV = PV × (1 + r/n)^(n×t). Use compounding: annually, semi_annually, quarterly, monthly, daily, continuous.

• calculate_inflation_impact

  Calculate future cost of something after inflation. Shows how much more you'll need in the future for the same expense.

• calculate_information_ratio

  Calculate Information Ratio = Active Return / Tracking Error. Measures consistency of outperformance vs benchmark.

• calculate_insurance_need

  Calculate life insurance need using Human Life Value (HLV) method. HLV = PV of future earnings + Outstanding loans + Future goals - Existing cover.

• calculate_jensens_alpha

  Calculate Jensen's Alpha = Rp - [Rf + β(Rm - Rf)]. Measures portfolio manager's skill — excess return over CAPM expectation.

• calculate_nav

  Calculate Mutual Fund NAV (Net Asset Value). NAV = (Total Assets - Total Liabilities) / Units Outstanding.

• calculate_net_worth

  Calculate net worth from assets and liabilities. Input JSON maps of name:value pairs. Example assets: {"house": 5000000, "stocks": 200000, "fd": 300000} Example liabilities: {"home_loan": 3000000, "car_loan": 500000}

• calculate_perpetuity

  Calculate Present Value of perpetuity (infinite periodic payments). Simple: PV = PMT/r. Growing: PV = PMT/(r-g).

• calculate_portfolio_return

  Calculate expected portfolio return. E(Rp) = Σ w_i × E(R_i). weights: [0.6, 0.4], returns: [15, 8] (percentages).

• calculate_portfolio_risk

  Calculate portfolio risk (variance and standard deviation). Shows diversification benefit. correlations: NxN matrix, e.g., [[1, 0.3], [0.3, 1]].

• calculate_prepayment_savings

  Calculate how much you save by prepaying a loan (extra EMI or lump sum). Shows interest saved and tenure reduction.

• calculate_present_value

  Calculate Present Value — what a future sum is worth today. PV = FV / (1 + r/n)^(n×t).

• calculate_real_return

  Calculate real (inflation-adjusted) rate of return using Fisher equation. (1 + real) = (1 + nominal) / (1 + inflation).

• calculate_rule_of_72

  Rule of 72: Approximate how many years to double your money. Years ≈ 72 / annual_rate.

• calculate_savings_needed

  Calculate monthly savings required to reach a financial target. Accounts for existing savings and expected returns.

• calculate_sharpe_ratio

  Calculate Sharpe Ratio = (Rp - Rf) / σp. Measures risk-adjusted return per unit of total risk.

• calculate_sip_needed

  Calculate monthly SIP needed to reach a target corpus. Inverse SIP calculation — find the monthly amount for a given goal.

• calculate_sip_returns

  Calculate SIP (Systematic Investment Plan) returns. Shows future value, total invested, and wealth gained. Optional step_up_percentage: annual increase in SIP amount (e.g., 10 for 10%).

• calculate_sortino_ratio

  Calculate Sortino Ratio = (Rp - Rf) / Downside Deviation. Like Sharpe but only penalizes downside volatility, not upside.

• calculate_swp

  Systematic Withdrawal Plan — how long will your corpus last? Calculate sustainability of regular withdrawals from an investment corpus.

• calculate_treynor_ratio

  Calculate Treynor Ratio = (Rp - Rf) / β. Measures excess return per unit of systematic risk (beta).

• calculate_ytm

  Calculate Yield to Maturity — the internal rate of return of a bond. Uses Newton-Raphson iteration for precision.

• calculate_zero_coupon_bond

  Price a zero-coupon bond. Price = FV / (1+r)^n. Zero-coupon bonds pay no periodic interest, sold at discount.

• compare_loans

  Compare multiple loan options to find the best deal. Input: JSON array of loans, each with: principal, annual_rate, tenure_years, name. Example: [{"principal": 5000000, "annual_rate": 8.5, "tenure_years": 20, "name": "Bank A"}]

• compare_lumpsum_vs_sip

  Compare lump sum investment vs SIP for the same total amount. Lump sum: invest everything today. SIP: spread equally over the period.

• financial_health_check

  Comprehensive financial health score (0-100) with rating and recommendations. Evaluates: savings ratio, debt levels, emergency fund, net worth, insurance, liquidity, expense ratio, age-appropriate wealth.

• invest_or_prepay_loan

  Should you invest surplus money or prepay an existing loan? Compares post-tax investment return vs effective loan cost.

• loan_amortization

  Generate loan amortization schedule showing month-wise principal/interest split. Shows how the interest component decreases and principal component increases over time.

• plan_education

  Plan for child's education expense. Adjusts cost for education inflation (typically higher than CPI). Calculates monthly SIP needed.

• plan_financial_goal

  Plan for a financial goal (education, house, car, wedding, etc.). Adjusts target for inflation, calculates monthly SIP needed.

• plan_retirement

  Comprehensive retirement planning calculator. Calculates: corpus needed at retirement, monthly SIP needed, accounts for inflation on expenses and pension shortfall.

• rebalance_portfolio

  Calculate trades needed to rebalance portfolio to target allocation. target_allocation: {"equity": 60, "debt": 30, "gold": 10} (percentages). current_values: {"equity": 700000, "debt": 250000, "gold": 50000} (amounts).

• suggest_asset_allocation

  Suggest asset allocation based on age, risk profile, and investment horizon. Uses 100-age equity rule with adjustments. risk_profile: conservative, moderately_conservative, moderate, moderately_aggressive, aggressive.

• value_stock_dcf

  Discounted Cash Flow (DCF) valuation. Input projected Free Cash Flows as JSON array: [100, 120, 140, 160, 180]. EV = Σ[FCF/(1+WACC)^t] + Terminal Value. Equity = EV - Net Debt.

• value_stock_ddm

  Value a stock using Gordon Growth Model (Dividend Discount Model). P = D1 / (r - g). For stable, dividend-paying companies. required_return must be > growth_rate.

• value_stock_pe

  Value stock using P/E ratio relative valuation. Fair Price = EPS × Industry P/E. Optionally calculates PEG ratio for growth-adjusted valuation.

• value_stock_two_stage_ddm

  Two-stage DDM for companies with initial high growth transitioning to stable growth. Stage 1: High growth dividends discounted. Stage 2: Gordon model terminal value.

• Code scan19 source files scanned25/25
• –Live reliabilityno gateway calls yet and no remote to proben/a
• –Tool poisoningtools not inspected (local package is not executed); not countedn/a
• Auth qualitylocal package, no credentials required12/15
• Maintenancelast push 57 days ago12/15
• Maintainer identityregistry namespace matches repository owner; GitHub account older than a year8/10

Safety score

88/100

higher than 85% of 1,761 Finance servers

Tools

54

the typical Finance server has 8

Tools that change things

0%

typical: 0%. Fewer write tools means less an agent can break

GitHub stars

6

more than 86% of 946 Finance servers

Downloads a week

18

more than 4% of 421 Finance servers with a package

Personal Finance: common questions

Is Personal Finance MCP server safe?

Yes, by our scan: it is graded A (88/100). Read the Personal Finance safety report

How do I install Personal Finance?

It runs on your machine. Copy the Claude Code, Cursor, VS Code or Claude Desktop config from the install section.

Does Personal Finance need an API key?

Not as far as the registry entry and our scan can tell: no credentials are declared or required.

Is Personal Finance maintained?

The last commit was 94 days ago (2026-08-01). The latest release is v1.0.2.

What can I use instead of Personal Finance?

Servers from other publishers that do the same job: Finance Toolkit MCP server, Yahoo Finance MCP server and MoneyMatter MCP server.

How does Personal Finance compare with other Finance MCP servers?

safety score 88/100 (higher than 85% of 1,761 Finance servers); tools 54 (the typical Finance server has 8); tools that change things 0% (typical: 0%. Fewer write tools means less an agent can break). Full comparison.