Senaro Personal Finance

Install

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npx agentmarket install connector/senaro-ai-personal-finance

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Permissions

What this server can do and what it asks for, from its tool list and install config. Checked Oct 25, 2026.

Tools

18 read · 0 write · 0 deleteRead-only

Secrets

None asked for

Install scripts

Nothing to install (hosted)

Runs as

Hosted (remote endpoint)

Tools (18)

As the server listed them on Oct 25, 2026. Descriptions are the server’s own words; hidden characters are shown as [U+…].

• analyze_cash_advanceCash Advance Analyzerread-only

  Calculation, 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 the question: it shows how the CARD Act above-minimum allocation rule, 15 U.S.C. §1666c(b)(1), sends payment above the minimum to the highest-APR segment first, which is the cash advance whenever its rate is the higher one. Pick `calculate_cc_payoff` for a payoff timeline across several cards or a windfall schedule. The r…

• analyze_pmi_removalPMI Removal Analysisread-only

  Calculation, 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 seasoning- and property-type-dependent, 75% for a one-unit home seasoned two to five years, 80% for five-plus, and 70% for investment and two- to four-unit properties Also returns current monthly PMI cost, total PMI dollars between now and automatic removal, and the effective annual return of paying the gap-to-80% (of th…

• calculate_cc_payoffCredit Card Payoff Calculatorread-only

  Calculation, 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_strategies` to compare avalanche against snowball, `calculate_loan_payoff` for a single installment loan, and `analyze_cash_advance` when one card's cash advance is the question. Supports dual APR segments (purchase + cash advance), two strategies (avalanche, snowball), fixed/dynamic payment modes, and an optional schedule of o…

• calculate_compound_interestCompound Interest Calculatorread-only

  Calculation, 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_opportunity_cost` when the money is recurring spending being priced against investing, and `calculate_loan_payoff` when the balance amortizes down under a fixed payment. The response includes `chart_hints` with rendering directives any client can use.

• calculate_debt_to_incomeDebt-to-Income Calculatorread-only

  Calculation, 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 ratios and mortgage-program qualification against existing debts; pick `compare_debt_consolidation` when the question is whether a consolidation loan costs less than keeping the current credit cards, and pick `compare_rent_vs_buy` when the question is whether to buy a home at all rather than what DTI a given price impli…

• calculate_emergency_fundEmergency Fund Calculatorread-only

  Calculation, 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 omitted when it equals the 3-month minimum, and the conservative row is omitted when it equals the 12-month ceiling), the gap between current savings and the target, and time-to-target at the supplied monthly savings cadence. Pick this to size an emergency-fund target; pick `calculate_runway` when savings are already fixed a…

• calculate_loan_payoffLoan Payoff Calculatorread-only

  Calculation, 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 carries revolving balances, multiple APR segments, and a snowball or avalanche strategy this tool does not model. Returns: - monthly payment, total interest, and a payoff date (null when the loan does not clear within its term) - a bucketed Analysis suitable for chart rendering. The Analysis includes KPIs, annotations (e.…

• calculate_opportunity_costOpportunity Cost Calculatorread-only

  Calculation, 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 and its contributions with no spending to price, and `compare_payoff_vs_invest` when the alternative to investing is paying down debt. The response includes `chart_hints` with rendering directives any client can use.

• calculate_refi_breakevenRefinance Break-Even Analysisread-only

  Calculation, 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 savings; - the cash-flow break-even month (Senaro's formula: total refinance cost divided by monthly savings, rounded up to a whole month, built on the payback test the CFPB toolkit describes); - the interest delta over your remaining-term horizon, and each loan's interest over its whole schedule (the current loan's rema…

• calculate_runwayCash Runway Calculatorread-only

  Calculation, 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 an optional expense-inflation rate, computes how many months the fund lasts before it hits zero, plus a month-by-month drawdown schedule. Single scenario per call: to compare 'status quo' vs 'cutbacks' vs 'cutbacks + unemployment', call once per scenario with the matching expenses and inflows. When inflows meet or exc…

• compare_debt_consolidationDebt Consolidation Comparisonread-only

  Calculation, 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: transfers only up to that dollar amount (choosing cards by highest APR, highest balance, or manually), then runs a combined simulation of the BT card + remaining original-card balances together, so freed minimum payments are correctly redistributed. Shows total cost, interest saved, monthly payment change, origination…

• compare_mortgage_termsMortgage Terms Comparisonread-only

  Calculation, 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), equity buildup, and, critically, what happens if you take the cheaper mortgage and invest the monthly savings. Finds the break-even investment return rate. Includes tax deduction analysis (itemizing vs standard deduction), PMI auto-removal tracking per the Homeowners Protection Act, and, when invest_the_difference …

• compare_payoff_strategiesPayoff Strategy Comparisonread-only

  Calculation, 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 is a single payoff timeline with windfalls or fixed payments. Returns months, total interest, payoff order, savings, total_balance, weighted_average_apr_pct, monthly_interest_now, and cost_breakdown array. When an arm is not projected to reach a zero balance, the savings.* fields for that arm carry status: "none" with …

• compare_payoff_vs_investDebt Payoff vs. Investread-only

  Calculation, 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 filing_status and annual_gross_income), and finds the break-even investment return rate. Works for credit cards, auto loans, student loans, personal loans, and mortgages. Pick this when the alternative to investing is paying down an existing debt balance; pick `calculate_opportunity_cost` when there is no debt in the pict…

• compare_rent_vs_buyRent vs. Buy Calculatorread-only

  Calculation, 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 comparison (years 5, 10, 30 + user horizon), and the full year-by-year cost/wealth series for both paths. Includes carrying costs (property tax, insurance, maintenance, PMI, HOA) on the BUY path and opportunity-cost investing on the RENT path. Optional federal tax benefit model (Tier-3: apply_tax_benefit=true) with the sta…

Signals

Last release

Oct 22, 2026 (8 days ago)

Details

Registry name

ai.senaro/personal-finance

Version

1.34.0

Auth

Auth not stated

License

License unknown

Website

senaro.ai

First seen

Oct 24, 2026

Last checked

Oct 24, 2026

Source

Official MCP Registry