nestegg-calculators
90+ financial calculators for loans, investing, bonds, options, and taxes with no data storage.
Stateless finance calculators covering amortization, loan payoff, investment growth, FIRE planning, bond yields, German tax and salary calculations, and portfolio analysis. All calculations are performed locally with no data retention.
Try asking Muse: "Calculate how much extra principal I need to pay monthly to pay off my mortgage five years early."
Source: Found in the official MCP Registry (io.github.VladimirWrites/nestegg-calculators) · First listed September 24, 2026
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How to add it to Muse
Not in Muse's Connectors list yet, but Muse can still use it. Copy the request below and paste it into Muse. 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.
https://nestegg.money/mcpNot in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
Technical details: safety screening, tools, response time and recent checks
Response time at the last check: 1282ms. Worked in 100% of checks over 30 days.
Screening · September 24, 2026
Screened, no issues found
Screening looks for known threats and hidden instructions at the time of the check, and runs again weekly and whenever the tool list changes. It cannot see the server's code, so only connect what you need and review what Muse asks to do. How screening works.
Tools · 40
amortizationMonthly loan amortization schedule and summary. Supports dated extra principal payments and a rate-fixed period. detail controls output size: 'summary' (default) returns totals plus a per-year breakdown; 'monthly' returns the full schedule (paginate with offset/limit). Returns nuloan-payoffTime and interest saved by paying a fixed extra amount every month on a loan, versus the baseline schedule.future-valueFuture value of a single lump sum compounded annually.contributionsFuture value of a fixed monthly contribution, optionally stepping up each year.cagrCompound annual growth rate between two values over a number of years. Returns a decimal (0.07 means 7%).savings-rateFraction of income saved (savings divided by income). Returns a decimal.fx-convertConvert an amount using a rate supplied by the caller (units of target currency per unit of source). No rate is ever looked up.depreciateValue after compounding down (or up) at a yearly percentage rate over a number of years. This is the method the app uses for long-term assets.straight-line-depreciationStraight-line depreciation: value falling evenly to a salvage value over a useful life.fire-numberFIRE target nest egg from annual spend and a safe withdrawal rate (default 4%), plus the gap from today and the years to reach it given optional savings and growth. No advice.required-contributionInverse of contributions: the fixed monthly amount needed to reach a target future value over a number of months, given an optional starting balance.inflation-adjustConvert a nominal amount to today's purchasing power (real), or with toNominal inflate a real amount forward, at a given annual inflation rate.effective-rateConvert a nominal annual rate to the effective annual rate (APY) for a compounding frequency, or with toNominal recover the nominal rate from an APY.npvNet present value of a cashflow series (index 0 is today; outflows negative) discounted at a per-period rate.irrInternal rate of return: the per-period rate that zeroes the NPV of a cashflow series. Returns a percent, or null when the series never crosses zero.refi-breakevenRefinance break-even: monthly saving, whole months to recoup closing costs, and (if remainingMonths given) the net saving over the remaining term.emergency-fundMonths of runway: liquid savings divided by monthly expenses.mortgage-affordabilityMaximum loan and home price the income supports: the DTI cap on gross monthly income (less existing debts) sets the payment, whose present value at the rate and term is the loan.debt-payoffMulti-debt payoff plan under a fixed monthly budget. method 'avalanche' (highest rate first) minimizes interest; 'snowball' (smallest balance first) clears accounts soonest. Returns months, total interest, and payoff order; flags insolvent budgets.portfolio-longevityHow many years a balance lasts while withdrawing from it: the balance grows each year, then the withdrawal (optionally stepping up) is taken. Returns the depletion year, or sustainable=true when it outlasts 200 years.present-valuePresent value of a single future amount discounted annually. The inverse of future-value.required-returnAnnual return needed to grow a starting value to a target over a number of years, optionally with a fixed annual contribution. With no contribution this equals CAGR. Returns a percent, or null when unreachable.yield-to-maturityBond yield to maturity: the nominal annual yield that prices a bond at the given price, with periodic coupons and face returned at maturity. Solved numerically. Returns a percent, or null.tax-from-bracketsProgressive tax from caller-supplied brackets. No jurisdiction, year, or rates are baked in: pass the brackets yourself. Returns total tax, effective rate, and marginal rate.margin-markupConvert between margin and markup. Supply any one of cost/price plus one of marginPct/markupPct (or both cost and price); returns cost, price, profit, marginPct, and markupPct.compound-interestCompound growth at any frequency, with an optional contribution each period (paid at period end). Generalizes future-value (periodsPerYear 1) and contributions (periodsPerYear 12).de-gross-to-netGerman net (Netto) salary from gross (Brutto). No tax tables are baked in: look up the current year's statutory figures and pass them in. Income tax (Lohnsteuer) and Soli are amounts; church tax is a percent of the income tax; the four employee social rates and the two contributide-net-salaryExact German net (Netto) salary from annual gross (Brutto) for tax years 2023-2026. Income tax and Soli follow the official BMF Programmablaufplan for the year (to the euro; 2024 uses the retroactive December tariff), church tax comes from the PAP's Kirchensteuer base, and employde-abgeltungsteuerGerman flat tax on capital income (Abgeltungsteuer, §32d EStG) for tax years 2023-2026 with the year's Sparerpauschbetrag built in. 25% above the allowance, Soli 5.5% on top (no Freigrenze for capital income), and with church tax the statutory reduced rate (e.g. 24.45% at 9%) plude-kindergeldGerman child benefit (Kindergeld) for 2023-2026: the year's flat monthly amount per child (uniform since 2023), as monthly and annual totals.de-midijobGerman Midijob / Uebergangsbereich (paragraph 20 Abs. 2a SGB IV) for 2023-2026: classifies a monthly pay as Minijob / Midijob / regular against the year's thresholds and, inside the Midijob band, computes the reduced contribution bases (Faktor F from the year's rates) and the empde-rentenpunkteGerman pension points (Entgeltpunkte, paragraph 63 SGB VI) for 2023-2026: points earned from an annual gross via the year's Durchschnittsentgelt (capped at the contribution ceiling), the aktueller Rentenwert for both halves of the year, and optionally the gross monthly state pensvatValue-added tax (MwSt/USt, sales tax) on a price. By default adds the tax to a net price; with inclusive=true treats the amount as gross and extracts the tax. The rate is always an input (19 or 7 for Germany, etc.).roiReturn on investment: total percent gain, plus the annualized rate when a holding period in years is given.real-returnReal (inflation-adjusted) return from a nominal rate via the Fisher relation: (1+nominal)/(1+inflation) - 1.return-statsMean, sample variance, and sample standard deviation (n-1) of a series of returns. Pass percents to get a percent stdev (volatility).sharpe-ratioSharpe ratio: excess mean return per unit of volatility, (mean - riskFree) / stdev. Null when volatility is undefined or zero.max-drawdownMaximum drawdown of a value series: the largest peak-to-trough decline, as a positive percent.holding-period-returnHolding-period return: (income + capital gain) / starting value, in percent.fee-dragEffect of an annual fee: the compounded balance at the gross rate vs net of the fee, and the amount lost to fees.Recent checks
Link
https://nestegg.money/mcpQuestions about nestegg-calculators in Muse
How do I connect nestegg-calculators to Muse?
Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use nestegg-calculators to help me. It is a free service with an MCP server at https://nestegg.money/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.
Is nestegg-calculators working right now?
At the last check (September 28, 2026, 08:01 UTC) the endpoint was working, answering in 1282ms. Over the last 7 days it answered 100% of health checks. It is checked every 15 minutes.
Is nestegg-calculators safe to connect to Muse?
It was screened on September 24, 2026 with the result "screened, no issues found". Screening checks the domain against threat feeds and reads the tools for hidden instructions and requests for passwords or card numbers. It cannot see the server's code, so grant only the access you need.
What can nestegg-calculators do in Muse?
It exposes 40 tools, including amortization, loan-payoff, future-value, contributions. For example, you could ask Muse: "Calculate how much extra principal I need to pay monthly to pay off my mortgage five years early."
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