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54 robust financial calculators based on deterministic mathematical principles.
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54 robust financial calculators based on deterministic mathematical principles.
Security Report
10.0
Low Risk10.0Low RiskValid MCP server (2 strong, 3 medium validity signals). No known CVEs in dependencies. Imported from the Official MCP Registry. 1 finding(s) downgraded by scanner intelligence.
4 files analyzed · 1 issue found
Security scores are indicators to help you make informed decisions, not guarantees. Always review permissions before connecting any MCP server.
How to Install
Add this to your MCP configuration file:
{
"mcpServers": {
"io-github-sarveshtalele-personal-finance": {
"args": [
"personal-finance-mcp"
],
"command": "uvx"
}
}
}Documentation
View on GitHubFrom the project's GitHub README.
💰 Personal Finance MCP Server
mcp-name: io.github.sarveshtalele/personal-finance
Deterministic personal finance calculator powered by Model Context Protocol — based on the Core Financial Principles.
✨ What It Does
Connect this server to Claude Desktop, Claude Code, or any MCP client to get 54 financial calculation tools with:
- 🔢 Deterministic outputs — same inputs → same results, always
- 📖 Theory-grounded — every formula traced to core financial concepts
- 📐 Full formula display — shows the exact calculation, not just the answer
- 🇮🇳 Indian finance context — ₹ formatting, SIP planning, EMI calculations
- 🚀 Zero external APIs — works fully offline, no LLM dependency for math
📦 Quick Start
1. Connect to Claude Desktop (Zero-Install Method)
Because this tool is globally published to PyPI, you don't even need to download the code to use it. Add this to your claude_desktop_config.json:
{
"mcpServers": {
"personal-finance": {
"command": "uvx",
"args": [
"personal-finance-mcp"
]
}
}
}
macOS:
~/Library/Application Support/Claude/claude_desktop_config.jsonWindows:%APPDATA%/Claude/claude_desktop_config.json
Restart Claude Desktop, and you will see the integration automatically.
2. Manual Global Installation
If you'd like to use it natively from your terminal without uv, just install it via standard pip:
pip install personal-finance-mcp
# Starts the server!
personal-finance-mcp
🛠 Tool Categories (54 Tools)
📊 Time Value of Money — 10 tools
| Tool | Description |
|---|---|
calculate_future_value | FV with any compounding frequency |
calculate_present_value | Discount future cash flows to today |
calculate_annuity_fv | Future value of regular payments (SIP) |
calculate_annuity_pv | Present value of regular payments |
calculate_perpetuity | Value of infinite periodic payments |
calculate_rule_of_72 | Quick doubling time estimate |
calculate_effective_rate | Nominal → Effective Annual Rate |
calculate_real_return | Inflation-adjusted return (Fisher) |
calculate_inflation_impact | Future cost after inflation |
calculate_savings_needed | Monthly savings for a target corpus |
💳 Debt Management — 6 tools
| Tool | Description |
|---|---|
calculate_emi | EMI for any loan |
loan_amortization | Month-wise principal/interest split |
compare_loans | Side-by-side loan comparison |
calculate_prepayment_savings | Interest saved by prepaying |
invest_or_prepay_loan | Should you invest or prepay? |
analyze_debt_consolidation | Should you consolidate debts? |
📋 Financial Planning — 9 tools
| Tool | Description |
|---|---|
calculate_net_worth | Assets - Liabilities statement |
analyze_financial_ratios | Savings, DTI, liquidity, solvency |
calculate_emergency_fund | Recommended buffer size |
analyze_budget | 50/30/20 rule analysis |
plan_financial_goal | Goal setting with inflation adjustment |
plan_retirement | Retirement corpus & SIP calculator |
plan_education | Child education fund planner |
calculate_insurance_need | Human Life Value method |
financial_health_check | 0-100 health score with rating |
📈 Bond Analysis — 6 tools
| Tool | Description |
|---|---|
calculate_bond_price | DCF bond pricing |
calculate_ytm | Yield to Maturity (Newton-Raphson) |
calculate_current_yield | Annual coupon / market price |
calculate_bond_duration | Macaulay & Modified Duration |
calculate_bond_convexity | Second-order interest rate risk |
calculate_zero_coupon_bond | Zero-coupon bond pricing |
📊 Stock Valuation — 5 tools
| Tool | Description |
|---|---|
value_stock_ddm | Gordon Growth Model |
value_stock_two_stage_ddm | Two-stage DDM |
value_stock_pe | P/E relative valuation + PEG |
value_stock_dcf | Discounted Cash Flow |
calculate_dividend_yield | Dividend yield % |
🏦 Mutual Funds — 7 tools
| Tool | Description |
|---|---|
calculate_sip_returns | SIP calculator with step-up |
calculate_sip_needed | Monthly SIP for a target corpus |
compare_lumpsum_vs_sip | Lump sum vs SIP comparison |
analyze_expense_ratio_impact | How expense ratio erodes returns |
calculate_swp | Systematic Withdrawal Plan duration |
calculate_cagr | Compound Annual Growth Rate |
calculate_nav | Net Asset Value calculation |
📊 Portfolio Analytics — 11 tools
| Tool | Description |
|---|---|
calculate_portfolio_return | Weighted expected return |
calculate_portfolio_risk | Portfolio variance & std deviation |
analyze_two_asset_portfolio | Two-asset analysis + min variance |
calculate_capm_return | CAPM expected return |
calculate_sharpe_ratio | Risk-adjusted return (total risk) |
calculate_treynor_ratio | Risk-adjusted return (systematic) |
calculate_jensens_alpha | Manager skill measurement |
calculate_information_ratio | Consistency vs benchmark |
calculate_sortino_ratio | Downside-risk-adjusted return |
suggest_asset_allocation | Age & risk-based allocation |
rebalance_portfolio | Trades needed for target allocation |
💬 Example Usage in Claude
"Calculate EMI for a 50 lakh home loan at 8.5% for 20 years"
Output:
══════════════════════════════════════════════════
EMI Calculation
══════════════════════════════════════════════════
Emi: ₹43,391.16
Total Payment: ₹1,04,13,878.40
Total Interest: ₹54,13,878.40
Interest To Principal Ratio: 1.0828
Principal: ₹50,00,000.00
Annual Rate: 8.5%
Tenure Months: 240
Formula: EMI = 50,00,000.00 × 0.007083 × (1+0.007083)^240 / ((1+0.007083)^240 - 1)
🏗 Architecture
Tools Layer ───────→ Models Layer
│ │
MCP interface Pydantic validation
+ core math + enums
- Tools: FastMCP wrappers + deterministic mathematical functions.
- Models: Pydantic schemas for strict input validation.
See docs/Architecture.md for full details.
📁 Project Structure
personal-finance-mcp/
├── src/
│ ├── server.py # MCP server entry point
│ ├── __main__.py # python -m src entry point
│ ├── tools/ # Pure math & MCP wrappers
│ │ ├── tvm.py # Time Value of Money
│ │ ├── debt.py # EMI, amortization
│ │ ├── planning.py # Financial ratios, health score
│ │ ├── bonds.py # Bond pricing, YTM, duration
│ │ ├── stocks.py # DDM, DCF, P/E valuation
│ │ ├── mutual_funds.py # SIP, SWP, CAGR, NAV
│ │ └── portfolio.py # MPT, CAPM, Sharpe, alpha
│ ├── models/ # Pydantic validation schemas
│ │ ├── schemas.py # Type definitions & constraints
│ │ └── enums.py # Validation Enums
│ └── utils/ # Formatters & helpers
├── tests/ # 100+ unit & integration tests
├── docs/ # documentation & architecture
├── Dockerfile # Container deployment
├── run_production.py # SSE server launcher
├── pyproject.toml # Package configuration
└── LICENSE # MIT License
🚀 Deployment Options
| Method | Transport | Use Case |
|---|---|---|
| Claude Desktop | stdio | Personal use — simplest |
| Claude Code | stdio | Development / coding |
| SSE Server | HTTP | Remote clients, team use |
| Docker | HTTP | Production deployment |
See docs/deployment.md for full instructions.
📚 Documentation
| Document | Description |
|---|---|
| docs/documentation.md | Full tool reference with formulas |
| docs/setup.md | Installation & connection guide |
| docs/testing.md | Test structure & running tests |
| docs/deployment.md | Local, SSE, Docker deployment |
| docs/Architecture.md | System design & data flow |
🔑 Key Design Decisions
- Stateless — No database, no sessions. Every tool call is self-contained.
- Deterministic — Pure math, no randomness, no AI inference for numbers.
- Layered — Tools → Calculators → Models, each with single responsibility.
- Offline-first — Zero external API calls. Works without internet.
- Theory-grounded — Every formula is mathematically deterministic.
Setup Guide
Prerequisites
- Python 3.10+ (3.12 recommended)
- uv (recommended) or pip
- Claude Desktop or any MCP-compatible client
Installation
Global Installation
Because this tool is globally published to PyPI, you don't even need to download the code to use it if you are using modern tools.
Option 1: Zero-Install (using uvx)
If you have uv installed, it can dynamically fetch and run the package:
uvx personal-finance-mcp
Option 2: Global Pipeline (using pip)
To natively install the executable into your python ecosystem:
pip install personal-finance-mcp
Connect to Claude Desktop
- Open Claude Desktop settings → Developer → Edit Config
- Add the following to your
claude_desktop_config.json:
{
"mcpServers": {
"personal-finance": {
"command": "uvx",
"args": [
"personal-finance-mcp"
]
}
}
}
Note: If you don't use uv, you can replace "uvx" with "python" and "args": ["-m", "personal_finance_mcp"].
- Restart Claude Desktop
- You should see the hammer icon with 54 tools available
Connect to Claude Code
Claude Code auto-discovers MCP servers. Add to your project's .claude/settings.json:
{
"mcpServers": {
"personal-finance": {
"command": "uvx",
"args": [
"personal-finance-mcp"
]
}
}
}
Run as Standalone Server (SSE)
For remote MCP clients:
# If installed normally:
python -c "from src.server import mcp; mcp.run(transport='sse')"
Server starts at http://127.0.0.1:8000/sse.
Verify Installation
# Run tests
pytest tests/ -v
# Quick smoke test
python -c "from src.server import mcp; print(f'{len(mcp._tool_manager._tools)} tools loaded')"
Dependencies
| Package | Version | Purpose |
|---|---|---|
mcp[cli] | >=1.0.0 | MCP Python SDK |
pydantic | >=2.0.0 | Input validation |
pytest | >=7.0 (dev) | Testing |
Troubleshooting
"ModuleNotFoundError: No module named 'src'"
If you're running locally from source, ensure you installed with the -e (editable) flag: uv pip install -e ".[dev]"
Claude Desktop doesn't show tools
- Check the path in config is absolute and correct
- Restart Claude Desktop completely
- Check
~/Library/Logs/Claude/mcp*.logon macOS for errors
Import errors
# Verify the package is installed correctly
python -c "from src.calculators.tvm import future_value; print(future_value(100000, 12, 10, 12))"
📄 License
MIT — free to use, modify, and distribute.
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