Senaro Personal Finance is an MCP server with 18 tools an agent can call, among them analyze_cash_advance, analyze_pmi_removal, calculate_cc_payoff. It answers at https://mcp.senaro.ai/mcp over streamable HTTP, and it listed its tools to an anonymous client, so no sign-in was needed for that. Our probes reached it 6 of 6 times since 12 September 2026; the last check, on 24 October 2026, succeeded.
Credit card payoff, mortgages, refinancing, 401(k), rent vs buy. Every rule and default is cited.
Description as the publisher wrote it.
| Tool | What it does |
|---|---|
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 `calculate_cc_pay Inputs: purchase_balance, purchase_apr_pct, cash_advance_balance, cash_advance_apr_pct, total_monthly_payment, minimum_payment |
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 valu Inputs: current_balance, original_purchase_price, annual_rate_pct, monthly_payment, current_home_value, original_appraised_value |
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), fixed/dyn |
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 debt o |
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, target Inputs: monthly_essential_expenses, current_savings, job_stability, dependents, has_dual_income, monthly_savings_capacity |
calculate_loan_payoff | Calculation, not advice. Verify with a professional before acting. Standard amortizing loan calculator. Pick this for a single fixed-rate installment loan (mortgage, auto, student, personal) with one amortization schedule; pick `calculate_c Inputs: principal, annual_rate_pct, term_months, loan_type, extra_monthly_payment, chart_bucket |
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 `compound_interest` Inputs: monthly_spending, annual_return_pct, years, label, tax_bracket_pct, chart_title |
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 month Inputs: current_savings, monthly_essential_expenses, monthly_inflows, annual_inflation_rate_pct, use_essential_expenses, output |
compare_debt_consolidation | Calculation, not advice. Verify with a professional before acting. Compares keeping cards vs. consolidation loan vs. optional balance transfer offers (single offer or head-to-head multi-offer comparison via bt_offers[]). Supports partial ba |
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 breakdown |
compare_strategies | Calculation, not advice. Verify with a professional before acting. Compare avalanche and snowball payoff strategies side-by-side. Pick this to compare avalanche against snowball ordering on the same set of cards; pick `calculate_cc_payoff` |
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 grows Inputs: principal, annual_rate_pct, years, monthly_contribution, compounds_per_year, inflation_rate_pct |
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 tool Inputs: category, name, verbose |
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 preset or Inputs: annual_salary, pay_periods_per_year, contribution_pct, match_preset, match_tiers, has_true_up |
payoff_vs_invest | Calculation, not advice. Verify with a professional before acting. Compares the guaranteed return of debt payoff against expected investment returns over a time horizon. Accounts for post-payoff investing, tax implications, and finds the br Inputs: debt_type, debt_balance, debt_apr_pct, extra_monthly, minimum_payment, term_months_remaining |
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, optio Inputs: current_balance, current_annual_rate_pct, remaining_term_months, new_annual_rate_pct, new_term_months, current_monthly_payment |
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 RENT |
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 sess |
Every block below points at https://mcp.senaro.ai/mcp. Pick your client and copy.
claude mcp add --transport http senaro-personal-finance https://mcp.senaro.ai/mcp
{
"mcpServers": {
"senaro-personal-finance": {
"command": "npx",
"args": ["-y", "mcp-remote", "https://mcp.senaro.ai/mcp"]
}
}
}{
"mcpServers": {
"senaro-personal-finance": {
"url": "https://mcp.senaro.ai/mcp"
}
}
}{
"servers": {
"senaro-personal-finance": {
"type": "http",
"url": "https://mcp.senaro.ai/mcp"
}
}
}{
"context_servers": {
"senaro-personal-finance": {
"url": "https://mcp.senaro.ai/mcp"
}
}
}{
"mcpServers": {
"senaro-personal-finance": {
"serverUrl": "https://mcp.senaro.ai/mcp"
}
}
}{
"mcpServers": {
"senaro-personal-finance": {
"url": "https://mcp.senaro.ai/mcp"
}
}
}name: Senaro Personal Finance
version: 0.0.1
schema: v1
mcpServers:
- name: Senaro Personal Finance
type: streamable-http
url: https://mcp.senaro.ai/mcp{
"mcpServers": {
"senaro-personal-finance": {
"httpUrl": "https://mcp.senaro.ai/mcp"
}
}
}{
"mcpServers": {
"senaro-personal-finance": {
"type": "http",
"url": "https://mcp.senaro.ai/mcp"
}
}
}{
"mcpServers": {
"senaro-personal-finance": {
"url": "https://mcp.senaro.ai/mcp"
}
}
}goose://extension?url=https%3A%2F%2Fmcp.senaro.ai%2Fmcp&type=streamable_http&id=senaro-personal-finance&name=Senaro%20Personal%20Finance
It answered our last check on 24 October 2026 in 692 ms. Over 6 checks since 12 September 2026 it answered 6. Status here comes from Neuronto's own probes, not from the publisher.
Yes. It is published by senaro.ai and served from mcp.senaro.ai, the vendor's own domain: https://mcp.senaro.ai/mcp.
18, as returned by the server's own tools/list on 23 September 2026: analyze_cash_advance, analyze_pmi_removal, calculate_cc_payoff, calculate_debt_to_income, calculate_emergency_fund, calculate_loan_payoff, calculate_opportunity_cost, calculate_runway, and 10 more.
It answered our last check on 24 October 2026 in 692 ms. Over 6 checks since 12 September 2026 it answered 6.
Put the server under mcpServers in ~/.cursor/mcp.json with the URL https://mcp.senaro.ai/mcp. The exact JSON is above, with the same setup for Claude Code, Claude Desktop, VS Code, Windsurf, Zed, Gemini CLI and the rest.
It listed its tools to an anonymous client, so reading the tool list needs no key. Individual tools can still ask for credentials in their own inputs.
Publisher: ai.senaro. Endpoint host: mcp.senaro.ai. ARD identifier: urn:air:ai.senaro:mcp:personal-finance.
First indexed 11 September 2026. The tools are exactly what the server returned; nothing on this page
is inferred from its name. Ranking in Neuronto search is never for sale.