Senaro Personal Finance
ai.senaro/personal-finance · v1.24.0 · MCP 2026-07-28
Deterministic money math. Same inputs, same answer. Every number cites the rule it implements.
Reachability
reachable
checked 2026-09-20 05:33 UTC
Registry status active
Tools pinned 18
4e15558bf821
Tools last changed
2026-09-20
Provenance
Registry namespace ai.senaro
(domain verified by the official registry)
Website
https://senaro.ai
Remote endpoints
https://mcp.senaro.ai/mcp (streamable-http)
Observed changes
| When (UTC) | Event | Detail |
|---|---|---|
| 2026-09-20 05:33 | tools changed | 0 added, 0 removed, 16 changed |
| 2026-09-12 05:30 | first capture | 18 tools pinned |
Pinned tool definitions (18)
| Tool | Description |
|---|---|
| analyze_cash_advance | Calculation, not advice. Verify with a professional before acting. Deep analysis of a single card's cash advance showing payment allocation, CA interest cost, CA payoff months, and whether the CA is growing. Pick this over... |
| analyze_pmi_removal | Calculation, not advice. Verify with a professional before acting. Compute every standard PMI-removal pathway (HPA automatic at 78% LTV, HPA borrower-requested at 80% LTV, optional re-appraisal at a simplified 75% of current market... |
| calculate_cc_payoff | Calculation, not advice. Verify with a professional before acting. Calculate credit card payoff timeline with month-by-month amortization. Supports dual APR segments (purchase + cash advance), two strategies (avalanche, snowball),... |
| calculate_debt_to_income | Calculation, not advice. Verify with a professional before acting. Calculate your debt-to-income ratio and check qualification for conventional, FHA, VA, and USDA mortgage programs. Accepts existing debts and an optional proposed new... |
| calculate_emergency_fund | Calculation, not advice. Verify with a professional before acting. Size an emergency fund target based on the borrower's monthly essential expenses, job stability, dependents, and income redundancy. Returns a tier breakdown (minimum,... |
| calculate_loan_payoff | Calculation, not advice. Verify with a professional before acting. Standard amortizing loan calculator. Returns monthly payment, total interest, a payoff date (null when the loan does not clear within its term), and a bucketed Analysis... |
| calculate_opportunity_cost | Calculation, not advice. Verify with a professional before acting. Calculate the true cost of recurring spending by showing what that money would be worth if invested. Pick this when the input is recurring spending. Pick... |
| calculate_runway | Calculation, not advice. Verify with a professional before acting. Deterministic cash-runway calculator. Given your liquid savings, monthly essential expenses, optional ongoing inflows (partner income, side income, severance paid as a... |
| compare_debt_consolidation | Calculation, not advice. Verify with a professional before acting. Should you consolidate credit card debt with a personal loan? Compares keeping cards vs. consolidation loan vs. optional balance transfer offers (single offer or... |
| compare_mortgage_terms | Calculation, not advice. Verify with a professional before acting. Compare two fixed-rate mortgage options side-by-side: 15 vs 30 year, different rates, points vs no points, or any two terms. Shows total interest, monthly payment... |
| compare_strategies | Calculation, not advice. Verify with a professional before acting. Compare avalanche and snowball payoff strategies side-by-side. Returns months, total interest, payoff order, savings, total_balance, weighted_average_apr_pct,... |
| compound_interest | Calculation, not advice. Verify with a professional before acting. Standard compound interest calculator. Returns future value, total contributions, interest earned, effective annual rate, and milestones. Pick this for a balance that... |
| list_defaults | Calculation, not advice. Verify with a professional before acting. Returns named default values used by Senaro Finance tools with source citations. Use before calling other tools to understand what assumptions apply automatically. This... |
| optimize_401k_match | Calculation, not advice. Verify with a professional before acting. Deterministic 401(k) employer-match optimizer. Given your annual salary, pay frequency, current contribution percent, and your employer's match formula (as a named... |
| payoff_vs_invest | Calculation, not advice. Verify with a professional before acting. Should you pay extra on debt or invest the difference? Compares the guaranteed return of debt payoff against expected investment returns over a time horizon. Accounts... |
| refi_breakeven | Calculation, not advice. Verify with a professional before acting. Deterministic mortgage refinance break-even analysis. Given your current loan (balance, rate, remaining term) and a refinance offer (new rate, new term, closing costs,... |
| rent_vs_buy | Calculation, not advice. Verify with a professional before acting. Deterministic rent-vs-buy decision model. Given a home price, monthly rent, and mortgage rate, computes the breakeven month (when BUY net worth first equals or exceeds... |
| server_info | Calculation, not advice. Verify with a professional before acting. Returns metadata about the running Senaro MCP server: version, contract version, build commit, build timestamp, and the full list of supported tools. Call this once per... |
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