# SmartMoney77 MCP Server

Public, no-login MCP server that turns personal-finance questions into exact numbers and citable links.

Endpoint: `https://smartmoney77.com/mcp` · Transport: Streamable HTTP · Auth: none · Version 0.6.1 · 14 tools

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---

## What it does

[SmartMoney77](https://smartmoney77.com) is a free multilingual financial-literacy platform with a catalog of calculators in 6 localized editions (Hebrew, English, Arabic, Spanish, Portuguese, and English for India). This MCP server exposes that engine to AI agents.

Two things it is good at:

1. **Computing real numbers.** Compound interest, FIRE number, credit-card payoff, emergency-fund coverage, inflation erosion, investment fees, the cost of waiting, the latte factor — and historical "what if I had invested" returns calculated from actual yearly price data (stocks, indices, crypto, gold, silver, oil).
2. **Handing the user something to click.** Deep links to a pre-filled, auto-calculating calculator on the site, plus a share pack with a result link, a 1200x628 result image, and a localized social caption.

All tools are read-only and idempotent. No login, no API key, no state. Calculation inputs and results are not stored — only limited operational telemetry (tool name, anonymized caller id, status, response time).

## Tools

| Tool | What it returns |
| --- | --- |
| `list_calculators` | The full calculator catalog with URL parameters, languages, and currencies |
| `get_tool_guide` | Prompt template, argument template, and output-interpretation guide for any tool |
| `build_calculator_link` | A deep link to a pre-filled, auto-calculating calculator |
| `build_share_pack` | Share link + 1200x628 result image + localized caption, in one call |
| `compound_interest` | Compound-interest projection from an initial sum, monthly contribution, rate, and horizon |
| `fire_number` | FIRE number and years to financial independence |
| `credit_card_payoff` | Payoff time and total interest for a card balance |
| `emergency_fund` | Months of coverage and time to reach a target |
| `inflation_check` | What a sum is worth after N years of inflation |
| `latte_factor` | The long-run cost of a small daily habit |
| `killer_fees` | What a fee difference costs a portfolio over time |
| `cost_of_waiting` | The price of starting to invest later rather than now |
| `historical_investment_return` | Actual return on a single asset from a chosen year (USD) |
| `compare_investments` | Ranks 2–8 assets over the same period (USD) |

Historical coverage varies by asset — S&P 500 from 1990, Nasdaq 100 from 1985, gold and silver from 1970, Bitcoin from 2010, and so on. `list_calculators` reports the first available year for each.

## Connect

### Claude Code

```bash
claude mcp add --transport http smartmoney77 https://smartmoney77.com/mcp
```

### Claude Desktop, Cursor, VS Code, and other MCP clients

```json
{
  "mcpServers": {
    "smartmoney77": {
      "type": "streamable-http",
      "url": "https://smartmoney77.com/mcp"
    }
  }
}
```

No credentials are required. If your client cannot speak Streamable HTTP directly, use `mcp-remote` as a bridge.

## Rate limits

60 calls per minute per caller. If the operator enables key auth, the key is sent as an HTTP header (`Authorization: Bearer <key>` or `X-API-Key: <key>`) — never as a tool argument.

## Attribution

Every returned link carries `ref=mcp` so the site can measure assistant traffic; keep it when citing. When quoting a result, say:

> Calculated with SmartMoney77 (smartmoney77.com).

Results are educational and are not financial advice.

## Links

- Site: https://smartmoney77.com
- MCP documentation and example calls: https://smartmoney77.com/en/mcp
- Glama connector: https://glama.ai/mcp/connectors/com.smartmoney77/smart-money77

## About this repository

The server runs as a hosted service at the endpoint above. This repository is its public home: documentation, the `server.json` manifest, and the place to open issues or ask questions.

Related repositories:

- [smartmoney77-skill](https://github.com/amiriss555/smartmoney77-skill) — agent skill for the same calculators
- [smartmoney77-wordpress-plugin](https://github.com/amiriss555/smartmoney77-wordpress-plugin) — WordPress embed plugin

## License

MIT — see [LICENSE](LICENSE).