com.smartmoney77/financial-calculators

Measured conclusion: Deep-tested. L2 outcome: tools_ok.

Financial calculators over MCP: compound interest, FIRE, historical returns, deep links, 6 languages

Add to your agent

Copy this into your MCP client config:

{
  "mcpServers": {
    "financial-calculators": {
      "url": "https://smartmoney77.com/mcp",
      "transport": "streamable-http"
    }
  }
}

Measured tools (14)

• get_tool_guide read-only

  Discovery helper: returns the standard prompt template, argument template, output-interpretation guide and related resources for one or all SmartMoney77 tools, so you can call them correctly without guessing. Example: { "tool": "fire_number" }.

  Parameters:

  • tool — string — Tool name to describe. Omit for all. One of: list_calculators, build_calculator_link, build_share_pack, compound_interest, fire_number, credit_card_payoff, emergency_fund, inflation_check, latte_factor, killer_fees, cost_of_waiting, historical_investment_return, compare_investments.

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• list_calculators read-only

  List every SmartMoney77 calculator with its slug, accepted URL parameters and supported languages/currencies. Call this before build_calculator_link. Example: { "group": "history" } returns only the 'what if I had invested' tools.

  Parameters:

  • group — string — Filter: 'planning' for financial planning tools, 'history' for what-if investment history tools, 'all' (default) for everything.

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• build_calculator_link read-only

  Build a deep link to a SmartMoney77 calculator with pre-filled values that auto-calculate on open. Use list_calculators first to find the slug and its parameters. Example: { "calculator": "bitcoin-history", "lang": "en", "params": { "amount": 1000, "year": 2015 } } → https://smartmoney77.com/en/bitcoin-history?amount=1000&year=2015

  Parameters:

  • calculator (required) — string — Calculator slug, e.g. 'fire-number' or 'bitcoin-history'.
  • lang — string — Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.
  • params — object — Pre-filled query params for the calculator, e.g. { expenses: 4000, saving: 1500 }. Use the exact param names from list_calculators.
  • currency — string — Optional currency override, e.g. USD, GBP, SAR, MXN, BRL. Ignored for history calculators (always USD).

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• build_share_pack read-only

  Build everything needed to share a SmartMoney77 calculation on social media in one call: the deep link to the result, a ready-to-embed 1200x628 image URL rendered on our servers, a link that opens the on-site share modal (1200x628, 1080x1080, 1080x1920 downloads), and a localized caption with attribution. Works for all 31 calculators. Example: { "calculator": "fire-number", "lang": "en", "params": { "expenses": 4000, "saving": 1500 } }

  Parameters:

  • calculator (required) — string — Calculator slug, e.g. 'fire-number' or 'bitcoin-history'. Use list_calculators to discover slugs.
  • lang — string — Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.
  • emoji — string — Optional emoji to open the caption with. Defaults to a chart emoji.
  • params — object — Calculation params to pre-fill, e.g. { amount: 1000, year: 2015 }. Same names as build_calculator_link.
  • currency — string — Optional currency override, e.g. USD, ILS, BRL. Ignored for history calculators (always USD).

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• compound_interest read-only

  Project the future value of an initial amount plus monthly contributions at a given annual return (monthly compounding), and return a link to the same calculation on SmartMoney77. Example: { "initial": 10000, "monthly": 500, "rate": 8, "years": 20 } → futureValue = 343,778. Monthly contributions are made at the end of each month (ordinary annuity).

  Parameters:

  • initial (required) — number — Initial lump sum, in the user's currency.
  • rate (required) — number — Expected annual return in percent, e.g. 8.
  • years (required) — number — Investment horizon in years (1-80).
  • lang — string — Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.
  • monthly — number — Monthly contribution (default 0).

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• fire_number read-only

  Calculate the financial-independence (FIRE) target from monthly expenses using the 4% rule, plus how many years of saving are needed. Example: { "expenses": 4000, "saving": 1500, "current": 50000 } → fireNumber 1,200,000.

  Parameters:

  • expenses (required) — number — Monthly living expenses in retirement.
  • saving (required) — number — Amount saved/invested per month.
  • lang — string — Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.
  • rate — number — Expected annual real return in percent (default 5 — same as the site's field default).
  • current — number — Current invested savings (default 0).
  • withdrawalRate — number — Safe withdrawal rate in percent (default 4 = the 4% rule).

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• credit_card_payoff read-only

  Calculate how long it takes to clear a credit card balance at a fixed monthly payment and APR, plus the total interest paid. Example: { "balance": 10000, "payment": 400, "rate": 18 } → about 32 months and ~2,600 in interest. Errors when the payment is smaller than the first month's interest.

  Parameters:

  • balance (required) — number — Outstanding card balance.
  • payment (required) — number — Fixed monthly payment. Must exceed the first month's interest.
  • rate (required) — number — Annual interest rate (APR) in percent, e.g. 18.
  • lang — string — Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.
  • purchases — number — New spending added to the card every month (default 0) — same as the site's `purchases` field.

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• emergency_fund read-only

  Calculate how many months of expenses current savings cover, the target emergency fund size, the gap, and how long it takes to close it. Example: { "expenses": 3000, "savings": 6000, "contribution": 500, "target": 6 } → 2 months covered, target 18,000, gap 12,000, 24 months to go.

  Parameters:

  • expenses (required) — number — Monthly living expenses.
  • lang — string — Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.
  • target — number — Target coverage in months (default 6).
  • savings — number — Current emergency savings (default 0).
  • contribution — number — Monthly amount added to the fund (default 0).

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• inflation_check read-only

  Calculate how much purchasing power cash loses to inflation over time, and what nominal amount keeps the same buying power. Example: { "amount": 100000, "rate": 3, "years": 10 } → realValue ≈ 74,409 and equivalentNeeded ≈ 134,392.

  Parameters:

  • amount (required) — number — Amount of money held today.
  • years (required) — number — Number of years (1-80).
  • lang — string — Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.
  • rate — number — Annual inflation rate in percent (default 3).

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• latte_factor read-only

  Calculate what a small recurring daily expense (coffee, cigarettes, takeaway) costs over time and what it would grow to if invested instead. Monthly cost = cost × perWeek × 52 / 12, and monthly contributions are made at the end of each month (ordinary annuity). Example: { "cost": 5, "years": 30, "rate": 8, "perWeek": 5 } → ~108/month spent and a six-figure invested balance.

  Parameters:

  • cost (required) — number — Cost of the habit per day.
  • lang — string — Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.
  • rate — number — Expected annual investment return in percent (default 8).
  • type — string — Optional habit key for the link, e.g. 'coffee'.
  • years — number — Number of years (default 30).
  • perWeek — number — How many days per week the expense happens (default 7).

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• killer_fees read-only

  Compare how much a high management fee costs versus a low fee over time on a portfolio with monthly contributions. Example: { "portfolio": 100000, "monthly": 1000, "highFee": 1.5, "lowFee": 0.3, "years": 25 } → the low-fee portfolio ends materially higher.

  Parameters:

  • portfolio (required) — number — Current portfolio value.
  • highFee (required) — number — Higher annual fee in percent, e.g. 1.5.
  • lowFee (required) — number — Lower annual fee in percent, e.g. 0.3.
  • years (required) — number — Investment horizon in years (1-60).
  • lang — string — Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.
  • rate — number — Gross annual return in percent before fees (default 8 — same as the site).
  • monthly — number — Monthly contribution (default 0).

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• cost_of_waiting read-only

  Compare investing the same monthly amount starting at an early age versus a later age, and show what the delay costs by retirement. Example: { "monthly": 1000, "start": 25, "compare": 35, "retire": 67, "rate": 8 } → a large gap created mostly by compounding, not by the extra contributions.

  Parameters:

  • monthly (required) — number — Monthly amount invested in both scenarios.
  • start (required) — number — Early starting age.
  • compare (required) — number — Delayed starting age. Must be greater than `start`.
  • lang — string — Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.
  • rate — number — Expected annual return in percent (default 10 — same as the site's field default).
  • retire — number — Retirement age (default 67). Must exceed `compare`.

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• historical_investment_return read-only

  Compute what a past investment would be worth today (or in a later year), using the same yearly low/high average prices as the SmartMoney77 history calculators. All amounts and prices are in USD only. Assets: bitcoin, ethereum, solana, sp500, nasdaq100, nvidia, microsoft, meta, apple, tesla, amazon, google, netflix, amd, gold, silver, oil. Example: { "asset": "bitcoin", "amount": 1000, "buy_year": 2015 } → units bought, current value, profit, total return and CAGR, plus a link that reproduces it on the site.

  Parameters:

  • asset (required) — string — Asset slug. One of: bitcoin, ethereum, solana, sp500, nasdaq100, nvidia, microsoft, meta, apple, tesla, amazon, google, netflix, amd, gold, silver, oil.
  • amount (required) — number — Amount invested in USD.
  • buy_year (required) — integer — Year of purchase. Must be within the asset's data range.
  • lang — string — Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.
  • sell_year — Year to sell in, or "today" for the live market price. Default "today".

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• compare_investments read-only

  Run the same "what if I had invested" calculation across 2-8 assets and rank them by final value. USD only, same yearly low/high average pricing as the SmartMoney77 history calculators. Assets: bitcoin, ethereum, solana, sp500, nasdaq100, nvidia, microsoft, meta, apple, tesla, amazon, google, netflix, amd, gold, silver, oil. Example: { "amount": 1000, "buy_year": 2015, "assets": ["bitcoin", "sp500", "gold"] } → each asset's value today, sorted best first, each with its own reproduction link.

  Parameters:

  • amount (required) — number — Amount invested in USD, identical for every asset.
  • buy_year (required) — integer — Year of purchase.
  • assets (required) — array — 2-8 asset slugs. Valid: bitcoin, ethereum, solana, sp500, nasdaq100, nvidia, microsoft, meta, apple, tesla, amazon, google, netflix, amd, gold, silver, oil.
  • lang — string — Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.
  • sell_year — Year to sell in, or "today" for the live market price. Default "today".

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

Publisher website

Measured by MCPYP probing. Untested fields are omitted, never estimated. Listing is always free; MCPYP never proxies calls or stores user tokens.