💰 Personal Finance MCP Server

mcp-name: io.github.sarveshtalele/personal-finance

Deterministic personal finance calculator powered by Model Context Protocol — based on the Core Financial Principles.

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✨ What It Does

Connect this server to Claude Desktop, Claude Code, or any MCP client to get 54 financial calculation tools with:

• 🔢 Deterministic outputs — same inputs → same results, always
• 📖 Theory-grounded — every formula traced to core financial concepts
• 📐 Full formula display — shows the exact calculation, not just the answer
• 🇮🇳 Indian finance context — ₹ formatting, SIP planning, EMI calculations
• 🚀 Zero external APIs — works fully offline, no LLM dependency for math

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📦 Quick Start

1. Connect to Claude Desktop (Zero-Install Method)

Because this tool is globally published to PyPI, you don't even need to download the code to use it. Add this to your claude_desktop_config.json:

{
  "mcpServers": {
    "personal-finance": {
      "command": "uvx",
      "args": [
        "personal-finance-mcp"
      ]
    }
  }
}

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

Restart Claude Desktop, and you will see the integration automatically.

2. Manual Global Installation

If you'd like to use it natively from your terminal without uv, just install it via standard pip:

pip install personal-finance-mcp

# Starts the server!
personal-finance-mcp

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🛠 Tool Categories (54 Tools)

📊 Time Value of Money — 10 tools

Tool	Description
calculate_future_value	FV with any compounding frequency
calculate_present_value	Discount future cash flows to today
calculate_annuity_fv	Future value of regular payments (SIP)
calculate_annuity_pv	Present value of regular payments
calculate_perpetuity	Value of infinite periodic payments
calculate_rule_of_72	Quick doubling time estimate
calculate_effective_rate	Nominal → Effective Annual Rate
calculate_real_return	Inflation-adjusted return (Fisher)
calculate_inflation_impact	Future cost after inflation
calculate_savings_needed	Monthly savings for a target corpus

💳 Debt Management — 6 tools

Tool	Description
calculate_emi	EMI for any loan
loan_amortization	Month-wise principal/interest split
compare_loans	Side-by-side loan comparison
calculate_prepayment_savings	Interest saved by prepaying
invest_or_prepay_loan	Should you invest or prepay?
analyze_debt_consolidation	Should you consolidate debts?

📋 Financial Planning — 9 tools

Tool	Description
calculate_net_worth	Assets - Liabilities statement
analyze_financial_ratios	Savings, DTI, liquidity, solvency
calculate_emergency_fund	Recommended buffer size
analyze_budget	50/30/20 rule analysis
plan_financial_goal	Goal setting with inflation adjustment
plan_retirement	Retirement corpus & SIP calculator
plan_education	Child education fund planner
calculate_insurance_need	Human Life Value method
financial_health_check	0-100 health score with rating

📈 Bond Analysis — 6 tools

Tool	Description
`calculate_bond_p

... View full README on GitHub