# Money Tools

> US retirement calculators with every number cited to official SSA and Medicare sources.

- name: io.github.vsjagati/money-tools
- version: 0.1.0
- connection class: R0 (autonomous)
- trust: 94/100
- quality: 81/100 (new)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/io.github.vsjagati%2Fmoney-tools
- tools: https://api.protogrid.dev/v1/servers/io.github.vsjagati%2Fmoney-tools/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "money-tools": {
      "type": "http",
      "url": "https://money-tools-547074823179.asia-south1.run.app/mcp"
    }
  }
}
```


## Trust

- hygiene: 100
- liveness: 100
- freshness: 100
- provenance: 80
- drivers: +repository +namespace-matches-repo +reachable +uptime-100% +updated-1d-ago
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 81/100 (new)

### protocol: 88 (weight 25)

- pass `protocol.modern`: supports 2026-07-28 (server/discover)
- pass `protocol.stateless`: answers without a session
- pass `protocol.transport`: streamable HTTP
- warn `protocol.list_ttl`: tools/list declares ttlMs 0, so clients re-fetch it on every use

### 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: 75 (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: ss_break_even (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); roth_irmaa (readOnlyHint, destructiveHint, idempotentHint, openWorldHint)
- pass `tools.token_cost`: about 431 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump
- pass `tools.hidden_text`: no hidden text in tool names, descriptions, schemas or annotations

### stability: n/a (weight 15)

- n/a `stability.changes`, `stability.rug_pull`, `stability.new_links`: tool history recorded for 0 of the 7 days needed

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 2, about 431 tokens to load them all
- tool set hash: 9450d82768111be08bb1953c1ae57af1
- badge: [![protogrid quality](https://protogrid.dev/badge/io.github.vsjagati/money-tools.svg)](https://protogrid.dev/servers/io.github.vsjagati/money-tools)
- 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._

## Remotes

- https://money-tools-547074823179.asia-south1.run.app/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (2)

- `roth_irmaa`: What a Roth conversion does to Medicare costs (2026 IRMAA tiers).

Args:
    status: filing status: "single", "joint" (married filing jointly) or
        "separate" (married filing separately).
    magi: modified adjusted gross income before the conversion, USD.
    roth_conversion: extra income the Roth conversion would add, USD.

Returns JSON with the IRMAA tier before and after, Part B monthly premium,
Part D surcharge, the extra annual Medicare cost per person, and the MAGI
room left before the next bracket cliff. Tiers from the official Medicare
2026 costs fact sheet; IRMAA is a two-year lookback.

- `ss_break_even`: Social Security claiming break-even analysis for a US worker.

Args:
    birth_year: worker's year of birth (1938-2010).
    pia: monthly retirement benefit at full retirement age in USD, as
        printed on the worker's ssa.gov statement.
    claim_ages: whole claiming ages to compare, each 62-70 (default 62, 67, 70).

Returns JSON with each age's monthly benefit, cumulative totals to 75/80/85/90
(today's dollars), and the break-even age for each pair. Rules and factors
from ssa.gov/OACT (nra.html, early_late.html).