That is the whole design: pure functions that return the same answer on every run, with the LLM used only to decide which ones to call. The hosted instance is shared and rate-limited and may cold-start after idle, so anything heavy or private belongs on your own machine.
A Python FastMCP server of deterministic calculators. The maths is pure functions; the model's only job is routing a plain-language question to the right tools. One codebase runs as a stdio server, a website and a hosted connector.
- 77 tools across 13 categories
- Time value of money (10) — future and present value, annuity, perpetuity, effective annual rate, real return
- Portfolio analytics (11) — CAPM, Sharpe, Sortino, Treynor, alpha, allocation, rebalancing
- Financial planning (9) and cash flow (3) — net worth, ratios, emergency fund, retirement, education, insurance, household cash flow, debt-to-income
- India small savings (9) — PPF, SSY, NSC, KVP, SCSS, RD, FD, EPF
- Mutual funds (7) and debt (6) — SIP, SWP, lumpsum against SIP, CAGR, expense-ratio impact, EMI, amortisation, prepayment, invest against prepay
- Fixed income (6), derivatives (5) and equity valuation (5) — bond price, YTM, duration, convexity, futures fair value, option payoff, Black-Scholes, put-call parity, DDM, DCF
- Live market data (4) with no API keys — mutual-fund search and NAV from AMFI, FX from ECB, equity and index quotes
- create_financial_plan, which chains the relevant calculators into one prioritised plan from a described situation
Point a client at the hosted connector https://sarveshtalele-personal-finance-mcp.hf.space/mcp over HTTP with nothing to install. To run it yourself: pip install personal-finance-mcp and launch uvx personal-finance-mcp for stdio, or python -m src.web to serve the site, the connector and the JSON API on one port. Python 3.10 or newer.
One command — pip install personal-finance-mcp