Hlídač spoření

cz.hlidacsporeniPublished by hlidacsporeni.czOfficial publisherv1.0.0Updated Oct 26, 2026

Czech savings accounts and term deposits: effective rates, net yield and conditions. Read-only.

VerifiedStreamable HTTPWeb executableFinanceData & Analytics

Overview

AI-generated overview

Read-only MCP server for comparing Czech savings accounts and term deposits by effective rate, net yield and conditions.

What you can do
  • Compare Czech savings accounts by effective interest rate for a given deposit, with net yield after 15 % tax
  • Compare Czech term deposits by rate for a deposit and term, filtering new-client offers, promotions and early withdrawal
  • Look up full product detail: rate bands, conditions, promotion end, deposit insurance, tax and verification date
  • Split a sum across savings accounts for the highest net yield while keeping each bank under the 100 000 EUR insurance limit
When to use it
Useful when someone wants to compare Czech savings products or term deposits, check the real effective rate for a specific amount, or plan how to spread a deposit across banks within insurance limits. It is informational only and not investment advice.
Requirements
Remote streamable HTTP endpoint at hlidacsporeni.cz; no authentication, environment variables or headers declared. Network access to the endpoint is needed.
Before you install
Read-only, but results are informational comparisons and not a recommendation; rates and conditions should be verified with the bank before deciding. Missing facts are reported as unknown rather than estimated, and the EUR/CZK conversion uses the ČNB rate of the day unless one is supplied.

Installation

In SourceWeft

  1. Open Hlídač spoření in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/cz.hlidacsporeni%2Fsporeni/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "hl-da-spo-en": {
      "type": "http",
      "url": "https://hlidacsporeni.cz/mcp"
    }
  }
}

Tools

4

hlidac_compare_savings

Compare Czech savings accounts

Rank Czech savings accounts (spořicí účty) by the effective interest rate (úrok, sazba) for a given deposit, with the net yield after the 15 % tax. The effective rate is computed for the WHOLE amount: many banks pay their headline rate only up to a limit (e.g. Česká spořitelna 5,20 % only up to 400 000 Kč), so the ranking changes with the amount. Filters drop accounts with card-payment, income or new-money conditions, or keep only accounts without conditions. Examples: - "Kam dát 800 000 Kč na spořicí účet?" -> amount=800000 - "Nejvyšší úrok bez podmínek pro 1 milion" -> amount=1000000, no_conditions=true Use hlidac_get_product for one account's bands and conditions, hlidac_plan_allocation to split a large sum across banks.

Parameterslimitamountrequiredno_conditionswithout_new_moneyinclude_investmentwithout_card_paymentswithout_income_requirement

hlidac_compare_term_deposits

Compare Czech term deposits

Rank Czech term deposits (termínované vklady) for a deposit and a term (délka v měsících) by the rate (úrok, sazba), with the net yield for the whole term after the 15 % tax. Offers only for new clients (noví klienti) count only with client='new'; promotions (akce) can be excluded; need_early_withdrawal keeps banks where an early withdrawal (předčasný výběr) is possible without the bank's consent. Banks whose limits do not take the amount are listed in outside_limits. Examples: - "Nejlepší termínovaný vklad na rok pro 200 000" -> amount=200000, term_months=12 - "Vklad na 3 měsíce, jsem nový klient" -> term_months=3, client='new'

Parameterslimitamountrequiredclientterm_monthsrequiredinclude_promotionsneed_early_withdrawal

hlidac_get_product

Get one savings account or term deposit

Full detail of one product (spořicí účet or termínovaný vklad): rate bands, conditions, end of a promotion, deposit insurance (pojištění vkladu), early withdrawal, tax, when it was verified, and the facts we do not have (unknown). product_id comes from hlidac_compare_savings or hlidac_compare_term_deposits, e.g. 'trinity', 'ceska-sporitelna', 'tv-csob'. An unknown id returns the list of valid ids.

Parametersproduct_idrequired

hlidac_plan_allocation

Split savings across banks within deposit insurance

Split a sum across Czech savings accounts (spořicí účty) for the highest net yield, keeping each bank under the deposit insurance limit of 100 000 EUR per client and bank (pojištění vkladů), converted at today's ČNB rate unless eur_czk is given. Only accounts whose conditions the client says they meet are used (card payments, income, new money, investing). Several products of one bank share one limit. Example: "Mám 6 milionů, jak je rozložit, aby byly pojištěné?" -> amount=6000000, max_banks=3

Parametersamountrequiredeur_czkmax_bankscan_investhas_incomecan_pay_by_cardcan_bring_new_money

Version history

1
  1. v1.0.0LatestOct 26, 2026

Score

83% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts

    Declare a GitHub repository with a README, or serve resource_documentation in the OAuth protected-resource metadata.

  • LicenseNot applicable

    A hosted service is used under its provider's terms, so no license is expected here. This check is left out of the percentage.