How do I use HowRisky MCP Server?

1. Click on "Install Server". 2. Wait a few minutes for the server to deploy. Once ready, it will show a "Started" state. 3. In the chat, type @ followed by the MCP server name and your instructions, e.g., "@HowRisky MCP Server calculate the risk of a 60/40 portfolio over 20 years" That's it! The server will respond to your query, and you can continue using it as needed. Here is a step-by-step guide with screenshots.

HowRisky MCP Server

Monte Carlo risk analysis for AI agents. Institutional-grade financial modeling with fat-tail distributions and proprietary KDE algorithms.

8 Tools: Portfolio risk (CVaR, ruin probability), startup equity, real estate, Kelly criterion betting, and more.

Compatible with: Claude Desktop, ChatGPT Desktop, Cursor, Windsurf, Cline, GitHub Copilot, VS Code, Codex

Standard Config

{
  "mcpServers": {
    "howrisky": {
      "command": "npx",
      "args": ["-y", "howrisky-mcp-server"],
      "env": {
        "HOWRISKY_API_KEY": "your-api-key-here"
      }
    }
  }
}

Get your free API key at: https://howrisky.ai/app/settings (100 calls/month free)

Getting Started

Step 1: Get your API key from https://howrisky.ai/app/settings

Step 2: Add the standard config above to your AI tool's MCP configuration

That's it! Your AI can now access Monte Carlo risk simulations.

Installation

Edit config file:

MacOS: ~/Library/Application Support/Claude/claude_desktop_config.json
Windows: %APPDATA%\Claude\claude_desktop_config.json

Add the standard config above.

Restart Claude Desktop.

Test it: Ask Claude "Using HowRisky, what's the risk of a 60/40 portfolio?"

Open ChatGPT Desktop Settings
Go to Apps & Connectors → Advanced settings
Enable Developer mode
Add MCP server configuration (use standard config above)

Restart ChatGPT Desktop.

Test it: Ask ChatGPT "Use HowRisky to calculate CVaR for 100% SPY portfolio"

Add to Cursor's MCP configuration file:

Use the standard config above.

Cursor supports MCP via VS Code extension compatibility.

Add to Windsurf MCP settings:

Use the standard config above.

Windsurf's MCP integration works similarly to Cursor.

Via Cline MCP Marketplace:

Open Cline in VS Code
Search for "howrisky" in MCP Marketplace
Click Install
Enter API key when prompted

Manual Setup:

Add to VS Code Settings → Extensions → Cline → MCP Servers:

Use the standard config above.

Add to VS Code settings.json:

Use the standard config above in the MCP servers configuration section.

For custom integrations or web-based AI tools:

Endpoint: https://mcp.howrisky.ai

Authentication: Include X-API-Key header with your API key

Documentation: https://howrisky.ai/mcp/docs

Example:

curl -X POST https://mcp.howrisky.ai \
  -H "X-API-Key: your-api-key" \
  -H "Content-Type: application/json" \
  -d '{"jsonrpc":"2.0","method":"tools/list","id":1}'

Available Tools

Tool	Description
`calculate_portfolio_risk`	CVaR, VaR, ruin probability, survival probability
`simulate_future_timelines`	Year-by-year portfolio evolution with percentiles
`compare_portfolios`	Side-by-side risk comparison of multiple portfolios
`text_to_portfolio`	Natural language → asset allocations
`add_startup`	Startup equity modeling with exit scenarios
`add_real_estate`	Real estate with cash flows, IRR, mortgage analysis
`add_private_asset`	Illiquid asset modeling (PE funds, etc.)
`add_gamble`	Kelly criterion for high-risk betting strategies