# Numeratica — financial planning calculations > Deterministic US financial planning: retirement Monte Carlo, Roth conversion, RMD, tax, IRMAA, SS - name: com.numeratica/mcp - version: 0.1.5 - connection class: R1 (autonomous) - trust: 97/100 - quality: 80/100 (good) - owner: not claimed - descriptor: https://api.protogrid.dev/v1/servers/com.numeratica%2Fmcp - tools: https://api.protogrid.dev/v1/servers/com.numeratica%2Fmcp/tools **An agent can connect on its own if it already holds `NUMERATICA_TOKEN`.** Remote endpoint behind a static API key or header. The registry never sees the value; the agent fills the placeholder. ## Connection (mcpServers) ```json { "mcpServers": { "numeratica": { "type": "http", "url": "https://api.numeratica.com/mcp", "headers": { "Authorization": "Bearer ${NUMERATICA_TOKEN}" } } } } ``` Placeholders to fill: `${NUMERATICA_TOKEN}`. ## Trust - hygiene: 100 - liveness: 100 - freshness: 85 - provenance: 100 - drivers: +repository +namespace-matches-repo +dns-namespace +website +reachable +uptime-100% ~updated-84d-ago - Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed. ## Quality 80/100 (good) ### protocol: 75 (weight 25) - warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28 - n/a `protocol.stateless`: only applies to 2026-07-28 servers - pass `protocol.transport`: streamable HTTP - n/a `protocol.list_ttl`: only applies to 2026-07-28 servers ### authorization: n/a (weight 15) - n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth - n/a `auth.secret_in_url`: no templated URL ### tool hygiene: 64 (weight 30) - pass `tools.descriptions`: every tool has a description - pass `tools.description_length`: descriptions are concise - pass `tools.schemas`: every tool has an object input schema - fail `tools.annotations`: no tool declares readOnlyHint or destructiveHint, so clients cannot tell safe calls from risky ones - fail `tools.directory_hints`: no tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: capital_market_assumptions (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); cashflow_npv_irr (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); contribution_limits (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); … - warn `tools.token_cost`: about 13,288 tokens to load every tool - pass `tools.api_dump`: tools are not a one-to-one API dump ### stability: 100 (weight 15) - pass `stability.changes`: no tool changes in 30 days - pass `stability.rug_pull`: no tool changed its meaning under the same name ### dependencies: 100 (weight 15) - pass `deps.known_vulns`: no known advisory in 1 resolved packages - n/a `deps.mcp_sdk_version`: the official MCP SDK is not in the dependency graph - pass `deps.resolvable`: @numeratica/mcp@0.1.5 resolved: 1 packages - tools: 76, about 13,288 tokens to load them all - tool set hash: 77d0c605be076896c612971d0286ea39 - badge: [![protogrid quality](https://protogrid.dev/badge/com.numeratica/mcp.svg)](https://protogrid.dev/servers/com.numeratica/mcp) - Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed. ### Tool changes _No tool definition changes recorded._ ## Dependencies - npm @numeratica/mcp@0.1.5: resolved, 0 dependencies Dependency graphs from deps.dev; advisories from OSV.dev, including the GitHub Advisory Database and the PyPI Advisory Database; all CC BY 4.0. ## Remotes - https://api.numeratica.com/mcp (streamable-http, auth api_key ${NUMERATICA_TOKEN}, reachable true, uptime30d 1) ## Packages - npm @numeratica/mcp@0.1.5 secrets: NUMERATICA_API_KEY ## Tools (76) - `annuity`: Annuity. Numeratica POST /v1/annuity — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `benefits_dependent_care`: Benefits dependent care. Numeratica POST /v1/benefits/dependent-care — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `benefits_health_plan`: Benefits health plan. Numeratica POST /v1/benefits/health-plan — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `capital_market_assumptions`: Capital market assumptions. Numeratica POST /v1/capital-market-assumptions — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `cashflow_npv_irr`: Cashflow npv irr. Numeratica POST /v1/cashflow/npv-irr — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `college_savings`: College savings. Numeratica POST /v1/college-savings — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `contribution_limits`: Contribution limits. Numeratica POST /v1/contribution-limits — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `debt_payoff`: Debt payoff. Numeratica POST /v1/debt-payoff — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `debt_vs_invest`: Debt vs invest. Numeratica POST /v1/debt-vs-invest — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `education_529_to_roth`: Education 529 to roth. Numeratica POST /v1/education/529-to-roth — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `education_aid_estimate`: Education aid estimate. Numeratica POST /v1/education/aid-estimate — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `education_student_loan`: Education student loan. Numeratica POST /v1/education/student-loan — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `education_student_loan_refi`: Education student loan refi. Numeratica POST /v1/education/student-loan-refi — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `equity_comp_espp`: Equity comp espp. Numeratica POST /v1/equity-comp/espp — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `equity_comp_iso`: Equity comp iso. Numeratica POST /v1/equity-comp/iso — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `equity_comp_iso_amt_capacity`: Equity comp iso amt capacity. Numeratica POST /v1/equity-comp/iso-amt-capacity — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `equity_comp_iso_schedule`: Equity comp iso schedule. Numeratica POST /v1/equity-comp/iso-schedule — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `equity_comp_nso`: Equity comp nso. Numeratica POST /v1/equity-comp/nso — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `equity_comp_nua`: Equity comp nua. Numeratica POST /v1/equity-comp/nua — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `equity_comp_rsu`: Equity comp rsu. Numeratica POST /v1/equity-comp/rsu — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `equity_comp_section_83b`: Equity comp section 83b. Numeratica POST /v1/equity-comp/section-83b — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `goal_funding`: Goal funding. Numeratica POST /v1/goal-funding — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `healthcare_aca_optimize`: Healthcare aca optimize. Numeratica POST /v1/healthcare/aca-optimize — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `healthcare_costs`: Healthcare costs. Numeratica POST /v1/healthcare-costs — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `inflation_adjust`: Inflation adjust. Numeratica POST /v1/inflation-adjust — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `inherited_ira`: Inherited ira. Numeratica POST /v1/inherited-ira — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `insurance_disability_needs`: Insurance disability needs. Numeratica POST /v1/insurance/disability-needs — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `insurance_life_needs`: Insurance life needs. Numeratica POST /v1/insurance/life-needs — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `insurance_long_term_care`: Insurance long term care. Numeratica POST /v1/insurance/long-term-care — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `ira_eligibility`: Ira eligibility. Numeratica POST /v1/ira-eligibility — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `loan_amortization`: Loan amortization. Numeratica POST /v1/loan/amortization — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `longevity`: Longevity. Numeratica POST /v1/longevity — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `medicare_irmaa`: Medicare IRMAA: Part B and Part D income-related monthly adjustment by tier, plus headroom to the next tier. MAGI uses the 2-year lookback; filing_status is single/mfj/mfs. - `medicare_late_enrollment_penalty`: Medicare late enrollment penalty. Numeratica POST /v1/medicare/late-enrollment-penalty — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `mortgage_affordability`: Mortgage affordability. Numeratica POST /v1/mortgage/affordability — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `mortgage_points`: Mortgage points. Numeratica POST /v1/mortgage/points — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `mortgage_refinance`: Mortgage refinance. Numeratica POST /v1/mortgage/refinance — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `mortgage_rent_vs_buy`: Mortgage rent vs buy. Numeratica POST /v1/mortgage/rent-vs-buy — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `mortgage_term_comparison`: Mortgage term comparison. Numeratica POST /v1/mortgage/term-comparison — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `pension_lump_sum_vs_annuity`: Pension lump sum vs annuity. Numeratica POST /v1/pension/lump-sum-vs-annuity — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `portfolio_glidepath`: Portfolio glidepath. Numeratica POST /v1/portfolio/glidepath — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `portfolio_rebalance`: Portfolio rebalance. Numeratica POST /v1/portfolio/rebalance — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `retirement_accumulation_projection`: Retirement accumulation projection. Numeratica POST /v1/retirement/accumulation-projection — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `retirement_backdoor_roth`: Retirement backdoor roth. Numeratica POST /v1/retirement/backdoor-roth — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `retirement_hsa`: Retirement hsa. Numeratica POST /v1/retirement/hsa — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `retirement_monte_carlo`: Monte Carlo retirement projection: probability of not running out of money over a horizon, with percentile balance bands. Deterministic given a seed (returned in the result). - `retirement_qlac`: Retirement qlac. Numeratica POST /v1/retirement/qlac — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `retirement_rmd`: Required Minimum Distribution: prior-year-end balance divided by the IRS distribution period. Uniform Lifetime by default; Single Life (inherited/beneficiary) via table=single. - `retirement_savings_target`: Retirement savings target. Numeratica POST /v1/retirement/savings-target — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `retirement_self_employed`: Retirement self employed. Numeratica POST /v1/retirement/self-employed — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `retirement_sepp`: Retirement sepp. Numeratica POST /v1/retirement/sepp — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `retirement_survivor_scenario`: Retirement survivor scenario. Numeratica POST /v1/retirement/survivor-scenario — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `retirement_withdrawal_sequencing`: Retirement withdrawal sequencing. Numeratica POST /v1/retirement/withdrawal-sequencing — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `retirement_withdrawal_strategy`: Dynamic retirement spending strategies over Monte Carlo paths: fixed_real, fixed_pct, guardrails (Guyton-Klinger), vpw, floor_and_ceiling. Returns the spending path, success probability, and ending bands. - `roth_conversion`: Multi-year Roth conversion ladder (bracket-fill, IRMAA-aware) vs. a no-conversion baseline, with a year-by-year schedule and after-tax comparison. Optional pay-tax-from-external-funds. - `roth_vs_traditional`: Roth vs traditional. Numeratica POST /v1/roth-vs-traditional — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `savings_waterfall`: Savings waterfall. Numeratica POST /v1/savings-waterfall — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `social_security`: Social Security claiming analysis (ages 62-70): monthly/lifetime benefit, breakeven, optimal claim age. Optional earnings test, spousal/survivor/divorced household, and COLA. - `social_security_couple_claim`: Social security couple claim. Numeratica POST /v1/social-security/couple-claim — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `tax_asset_location`: Tax asset location. Numeratica POST /v1/tax/asset-location — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `tax_bracket_room`: Tax bracket room. Numeratica POST /v1/tax/bracket-room — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `tax_estimate`: Federal income tax estimate (2025/2026): ordinary brackets, standard/itemized deduction, LTCG stacking, NIIT, Additional Medicare; optional AMT (include_amt) and real per-state tax via the state field. filing_status is one of single/mfj/mfs/hoh. - `tax_estimated_tax`: Tax estimated tax. Numeratica POST /v1/tax/estimated-tax — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `tax_filing_status`: Tax filing status. Numeratica POST /v1/tax/filing-status — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `tax_gain_harvesting`: Tax gain harvesting. Numeratica POST /v1/tax/gain-harvesting — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `tax_liquidation_schedule`: Tax liquidation schedule. Numeratica POST /v1/tax/liquidation-schedule — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `tax_marginal_map`: Tax marginal map. Numeratica POST /v1/tax/marginal-map — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `tax_qcd_plan`: Tax qcd plan. Numeratica POST /v1/tax/qcd-plan — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `tax_qsbs_exclusion`: Tax qsbs exclusion. Numeratica POST /v1/tax/qsbs-exclusion — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `tax_s_corp_salary`: Tax s corp salary. Numeratica POST /v1/tax/s-corp-salary — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `tax_social_security_benefits`: Tax social security benefits. Numeratica POST /v1/tax/social-security-benefits — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `tax_state_income`: Tax state income. Numeratica POST /v1/tax/state-income — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `tax_survivor_transition`: Tax survivor transition. Numeratica POST /v1/tax/survivor-transition — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `tax_tlh_benefit`: Tax tlh benefit. Numeratica POST /v1/tax/tlh-benefit — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `tax_w4_checkup`: Tax w4 checkup. Numeratica POST /v1/tax/w4-checkup — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields. - `tvm`: Tvm. Numeratica POST /v1/tvm — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.