Deterministic money math for credit cards, mortgages, debt payoff, and retirement planning with cited rules.
Senaro provides calculators for credit card payoff strategies, mortgage refinancing, PMI removal, debt consolidation, rent vs. buy analysis, emergency funds, and 401(k) matching. Each calculation cites the financial rule it implements and returns month-by-month schedules and break-even analysis.
Try asking Muse: "Show me how long it will take to pay off my credit cards using the avalanche strategy and how much interest I'll save."
Source: Found in the official MCP Registry (ai.senaro/personal-finance) · First listed September 24, 2026
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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://mcp.senaro.ai/mcpNot in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
Senaro Personal Finance is a remote MCP server, so any assistant that can add a custom connector by link can use it. Same link, same tools.
In ChatGPT, open Settings, then Connectors (called Apps & Connectors on some accounts).
Under Advanced settings, switch on Developer mode. That is what lets you add a connector by link.
Choose Create, give it a name, paste the link as the MCP server URL, and save. If it needs a sign-in, ChatGPT asks for it here.
Start a chat, open the tools menu, pick the connector, and ask. ChatGPT asks before it runs a tool the first time.
Custom connectors need a paid ChatGPT plan, and on Team, Enterprise and Edu accounts only an admin can add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in ChatGPT
In Claude, open Settings, then Connectors.
Choose Add custom connector, give it a name, and paste the link.
If it needs a sign-in, Claude sends you to it. Then turn the connector on in a chat from the tools menu and ask.
Custom connectors are available on paid Claude plans; on Team and Enterprise accounts an admin may need to add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in Claude
https://mcp.senaro.ai/mcpResponse time at the last check: 368ms. Worked in 99.1% of checks over 30 days.
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.
analyze_cash_advanceCalculation, 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_payoff` when one card's cash advance is theanalyze_pmi_removalCalculation, 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 value; the actual Fannie Mae ceiling is seascalculate_cc_payoffCalculation, not advice. Verify with a professional before acting. Calculate credit card payoff timeline with month-by-month amortization. Pick this for a payoff timeline across credit cards under one strategy, including windfalls or fixed payments; pick `compare_payoff_strategiecalculate_cc_starting_figuresCalculation, not advice. Verify with a professional before acting. Read a set of credit cards' starting figures without running a payoff simulation: the balances entered by type, the balance-weighted APR at start, and each card's starting minimum payment with their total. Takes tcalculate_compound_interestCalculation, 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 with contributions. Pick `calculate_oppocalculate_debt_to_incomeCalculation, 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 or home price. Pick this to measure DTI rcalculate_emergency_fundCalculation, 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, conservative; the target row is omittecalculate_loan_payoffCalculation, 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_cc_payoff` for a credit card, which carricalculate_opportunity_costCalculation, 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 `calculate_compound_interest` when the input is a balance acalculate_refi_breakevenCalculation, 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, optional points), computes: - monthly P&I savcalculate_runwayCalculation, 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 monthly stream, unemployment benefits), and acompare_debt_consolidationCalculation, 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 balance transfers via bt_transfer_limit: tcompare_mortgage_termsCalculation, 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 (with tax, insurance, PMI, HOA),compare_payoff_strategiesCalculation, 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` once a strategy is chosen and the need icompare_payoff_vs_investCalculation, 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, optionally taxes the investment gain once at the horizon (this needs filincompare_rent_vs_buyCalculation, 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 net worth), per-horizon net-worth comparlist_defaultsCalculation, 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 does not accept an 'output' parameter; optimize_401k_matchCalculation, 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 a custom tier list), computes: - the anserver_infoCalculation, 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 session before drafting any content to verifhttps://mcp.senaro.ai/mcpNot in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use Senaro Personal Finance to help me. It is a free service with an MCP server at https://mcp.senaro.ai/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.
At the last check (November 13, 2026, 19:00 UTC) the endpoint was working, answering in 368ms. Over the last 7 days it answered 100% of health checks. It is checked every 15 minutes.
It was screened on September 25, 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.
It exposes 19 tools, including analyze_cash_advance, analyze_pmi_removal, calculate_cc_payoff, calculate_cc_starting_figures. For example, you could ask Muse: "Show me how long it will take to pay off my credit cards using the avalanche strategy and how much interest I'll save."
This listing was added from public sources (Found in the official MCP Registry (ai.senaro/personal-finance)). If you build Senaro Personal Finance, claim it to correct the details and get your badge.
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