# Hlídač spoření Muse connector

From musedirectory.ai, the independent directory of Meta Muse connectors. Not affiliated with Meta.

## Hlídač spoření

Compare Czech savings accounts and term deposits by effective interest rate and net yield.

- Record: https://musedirectory.ai/connector/hli-dac-spor-eni
- Category: Finance & Bills
- Developer: Hlídač spoření (https://hlidacsporeni.cz/pro-agenty.md)
- Muse status: Extra setup. Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
- Health: Working, 391ms, checked 2026-10-30T01:36:18Z
- Endpoint: https://hlidacsporeni.cz/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-10-30T01:36:18Z)
- Source: Found in the official MCP Registry (cz.hlidacsporeni/sporeni) https://registry.modelcontextprotocol.io/v0/servers?search=cz.hlidacsporeni%2Fsporeni

Connects to Czech savings accounts and term deposits. Ranks accounts by effective interest rate after tax, filters by conditions like card payments or income requirements, calculates net yield, and allocates deposits across banks while respecting deposit insurance limits.

Example request: "Where should I put 800,000 Czech crowns to get the highest interest rate without any conditions?"

How to connect: Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use Hlídač spoření to help me. It is a free service with an MCP server at https://hlidacsporeni.cz/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.

Tools:
- hlidac_compare_savings: Rank Czech savings accounts (spořicí účty) by the effective interest rate (úrok, sazba) for a given deposit, with the net yield after the 15 % tax. The effective rate is computed for the WHOLE amount: many banks pay their headline rate only up to a limit (e.g. Česká spořitelna 5,
- hlidac_compare_term_deposits: Rank Czech term deposits (termínované vklady) for a deposit and a term (délka v měsících) by the rate (úrok, sazba), with the net yield for the whole term after the 15 % tax. Offers only for new clients (noví klienti) count only with client='new'; promotions (akce) can be exclude
- hlidac_get_product: Full detail of one product (spořicí účet or termínovaný vklad): rate bands, conditions, end of a promotion, deposit insurance (pojištění vkladu), early withdrawal, tax, when it was verified, and the facts we do not have (unknown). product_id comes from hlidac_compare_savings or h
- hlidac_plan_allocation: Split a sum across Czech savings accounts (spořicí účty) for the highest net yield, keeping each bank under the deposit insurance limit of 100 000 EUR per client and bank (pojištění vkladů), converted at today's ČNB rate unless eur_czk is given. Only accounts whose conditions the

Screening checks:
- MCP handshake: pass (Answered in 391ms)
- Domain against threat feeds (Cloudflare security DNS): pass (hlidacsporeni.cz not flagged)
- Published packages against the OSV malicious-package database: n/a (No npm or PyPI package published)
- Hidden instructions or invisible characters in tool text: pass (4 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (Domain registered 126 days ago)
- AI review of purpose and tool behavior: pass (No concerns)