Senaro Personal Finance

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 response includes `chart_hints` with rendering directives any client can use.

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 the original value) as a lump sum today. Supplying original_loan_term_months and loan_age_months also applies the 12 U.S.C. 4902(c) statutory final-termination midpoint, which bounds automatic removal at the earlier of the 78% schedule and that midpoint where HPA applies and the borrower is current. Pairs with `calculate_refi_breakeven` for a refinance's rate-and-term break-even, and with `compare_mortgage_terms` when choosing between purchase mortgages. Scope: conventional mortgages only; FHA loans use MIP (Mortgage Insurance Premium) with different rules. This tool does not model MIP.

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 one-time windfalls (tax refund, bonus, inheritance) applied at specific months. Returns: - debt-free date, total interest, per-card payoff order - first_month_interest_ratio_frac (the first month's interest/payment fraction) and lifetime_interest_ratio_frac (whole-projection total_interest/total_paid fraction) - domain warnings emitted as warnings[].type (DEATH_SPIRAL, CA_TRAP, MIN_PAYMENT_TRAP, DAY_ZERO_COST, DEBT_GROWING, PROMO_CLIFF, PREDATORY_RATE, SPEND_EXCEEDS_PAYDOWN, PLAN_TERM_ELAPSED_WITH_BALANCE, NO_PAYOFF_WITHIN_PROJECTION), and, separately, validation disclosures emitted as warnings[].code (e.g. MINIMUM_PAYMENT_NOT_BINDING on the default dynamic-budget path, MINIMUM_PAYMENT_NOT_BINDING_IN_BASELINE when fixed_payments = true; these two shapes coexist in the same warnings[] array but are distinguishable by which keys each entry carries) - when a plan exists (extra_monthly_payment > 0, windfalls present, or fixed_payments = true), a min_payments_only baseline block with interest_saved_vs_min_payments and months_saved_vs_min_payments, the interest and time difference versus paying minimums only; when windfalls are also present the response additionally gains a baseline vs with_windfalls savings block with months_saved_vs_baseline and interest_saved_vs_baseline The response echoes strategy (canonical lowercase 'avalanche' | 'snowball', the strategy the plan was actuall

Calculation, not advice. Verify with a professional before acting. Read a set of credit cards' starting figures without running a payoff simulation: the balances entered by type, the balance-weighted APR at start, and each card's starting minimum payment with their total. Takes the same cards[] and segments[] as `calculate_cc_payoff` and no other key. Pick this to show those figures while cards are being entered; pick `calculate_cc_payoff` for a payoff timeline, total interest or a strategy. Each starting minimum is computed on the balances entered, with one month's interest projected. Per card, the representative formula takes the larger of two amounts on the balance outside installment plans: $25, or that month's interest plus 1% of that balance after the interest. The formula applies only when that balance is above $0. Each plan that still has a balance adds its payment to the card's minimum. The card's minimum is then capped at one total: its balance outside installment plans after that month's interest, plus, for each plan, the smaller of its payment and what it still owes. No annual fee, plan fee, recurring spend or supplied minimum_payment enters it; each such field, when supplied, draws a warning naming its path.

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.

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 implies. Returns current DTI, front-end and back-end ratios with proposed housing, maximum affordable home price, and what-if scenarios showing the resulting DTI and which programs would then qualify if a given debt were paid off, plus income-increase and home-price-reduction variants. Includes the 10-month rule (Fannie Mae) for debts near payoff. `qualification.<program>.qualification_status` is a tri-state verdict ('qualifies' | 'underwriting_dependent' | 'ineligible'): - 'underwriting_dependent' means the manual-underwriting baseline is exceeded but further underwriting can still approve it, an automated-underwriting system for conventional and FHA, either automated or manual underwriting for USDA, or a supervisory underwriter's written justification under 38 CFR 36.4340(c)(2) for VA (never an automated decision), so `qualification.<program>.qualifies=false` does NOT by itself mean the borrower is blocked - Read qualification_status, not the bare qualifies boolean, for the real answer; `qualification.<program>.note` explains the specific underwriting or hard-cap context, naming which mechanism applies - VA's back-end overage alone never returns 'ineligible' either (38 CFR 36.4340(c)(2)/(c)(3) both contemplate approval above 41%), and conventional is now the only program that ever returns 'ineligible', since FHA, VA and USDA are each disclosure-only above their baselines - `wha

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 and the question is how many months they will last, not what the target is. Pairs with debt-payoff content for the recurring 'save vs pay debt' question. Target months are clamped to [3, 12]: never below the 3-month personal-finance minimum, never above 12.

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.g. crossover month), and summary strings When extra_monthly_payment is supplied, every computed figure in the response outside with_extra describes this loan without the extra payment, including monthly_payment, payoff_months, total_paid, total_interest, remaining_balance_at_term, payoff_date, months_to_halfway_principal, months_to_interest_flip, and every value under analysis; a warnings[] entry names this. The response includes `chart_hints` with rendering directives any client can use. This tool does not support output: 'inline' on any transport.

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.

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 remaining term, the new loan's full term); - a term-matched scenario that isolates the rate cut from a term reset; - a term-reset-trap flag (a longer term and a lower payment, but more interest over the new loan's full term than over the current loan's remaining term); and - the economic break-even (net-worth crossover) month under an equal-outflow model: both sides spend the same each month; the side that keeps the current loan starts with the upfront refinance cost invested at month 0 (nothing when costs are rolled in); money not spent on a payment is invested at investment_return_pct. The search runs to the end of the longer loan term, and stops earlier where a loan's term ends with money still owed. Rate-and-term refis only (cash-out and tax effects are out of scope). Pick this when refinancing your existing mortgage into a new rate and term is the question; pick `compare_mortgage_terms` when comparing two mortgage structures on a purchase you have not yet taken out. All defaults cite primary sources (LodeStar/ALTA closing-cost data, the CFPB toolkit's payback test). Scalar output, no chart series. payoff_months and payoff_month_shift use {status, value, explanation}; the two break-evens use {code, month, explanation}.

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 exceed expenses (and expenses are not inflating), the fund does not draw down and a self-describing does-not-deplete outcome is returned instead of a month. Yield on the fund is treated as 0% in v1 (conservative). All assumptions cite their source. Pick this to project how many months current savings will last against expenses and inflows; pick `calculate_emergency_fund` when the question is the fund's target size, not how long it lasts. HEAVY tool: use output='summary' (default) for the headline or output='inline' for the full schedule.

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 fee breakeven, hidden risks (reracking), promo-trap detection per offer, and what-if scenarios. Works with multiple cards including cash advance balances. Pick this to weigh a consolidation loan (required input), plus any balance-transfer offers, against keeping current cards; pick `calculate_cc_payoff` for a single payoff timeline with no consolidation option, and pick `compare_payoff_strategies` to compare avalanche against snowball ordering on the cards as they stand. The response includes `chart_hints` with rendering directives any client can use. HEAVY tool: use output='summary' (default) for the headline comparison or output='inline' for the full payload.

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 is on (the default) and filing_status and annual_gross_income are given, an after-tax net worth comparison. Pick this to compare two mortgage structures on a purchase, such as 15 versus 30 year or points versus no points; pick `calculate_refi_breakeven` when the comparison is against your existing loan and a refinance offer, and pick `compare_payoff_strategies` when the question is payoff strategy on revolving debt, not a mortgage term. Note: ARM (adjustable-rate) mortgages are not yet supported.

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 value: null and an explanation, not a number. savings.strategies_convergence separately discloses the avalanche/snowball arms' own convergence: - "both_converge" (ordinary case), - "worst_never_amortizes" (the losing strategy arm does not reach a zero balance in this projection but the winning arm does, so savings.best_vs_worst_months/interest carry status: "none"), or - "neither_converges" (the WINNING strategy arm does not reach a zero balance either, so no dollar or month figure derived from either strategy arm is reportable). lower_total_interest_strategy names whichever of avalanche or snowball has the lower total interest, or "tie" when the two arms' total interest and months are exactly equal. A "tie" can co-occur with savings.strategies_convergence="neither_converges". It reports only that comparison, never that either arm pays off. chart_hints.title and chart_hints.annotations[0].label report a dollar figure only when the comparison they describe is Defined, and otherwise state plainly that no figure is reportable, matching the "none" status on the corresponding savings.* field. Unlike chart_hints, summary and savings.savings_summary hedge rather than decline a figure, and the two always carry the same sentence as each other: when the compared arm does not converge (savings.baseline_never_amortizes=true, or savings.strategies_convergence=worst_never_amortizes) but

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 picture and the alternative is simply forgoing recurring spending to invest it instead. The response echoes debt_type (canonical lowercase enum the projection was computed for) and debt_type_label (display-ready string, e.g. 'student loan') at the top level. HEAVY tool: use output='summary' (default) for the headline comparison or output='inline' for the full month-by-month schedule. When no projection can be computed (very long horizon, very high rate, or very large amounts), the response is { meta, not_representable: { code, explanation } } instead.

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 statute's year-by-year SALT cap schedule (advancing with the horizon, not frozen at tax_year), mortgage interest deduction, PMI deductibility, and marginal-excess formula. All assumptions cite primary sources (FHFA, BLS, Harvard JCHS, IRS Pub 936, OBBBA Pub. L. 119-21) and can be overridden. Pick this for the buy-vs-rent tenure decision; pick `compare_mortgage_terms` when you are already buying and comparing two mortgage structures, `compare_payoff_strategies` to order credit-card payoff, and `compare_payoff_vs_invest` to weigh extra debt payments against investing. HEAVY tool: use output='summary' (default) for scalar headline or output='inline' for chart series.

Calculation, not advice. Verify with a professional before acting. Returns named default values used by Senaro Finance tools with source citations. Use before calling other tools to understand what assumptions apply automatically. This tool does not accept an 'output' parameter; it always returns inline JSON. JSON parameters (all optional): - category: string. Filter entries by category: the canonical MCP tool name that consumes the default, or "shared" for a default consumed by two or more tools (or not yet wired to a specific tool). Case-insensitive. The 14 valid values: calculate_cc_payoff, calculate_compound_interest, calculate_debt_to_income, calculate_emergency_fund, calculate_opportunity_cost, calculate_refi_breakeven, calculate_runway, compare_debt_consolidation, compare_mortgage_terms, compare_payoff_strategies, compare_payoff_vs_invest, compare_rent_vs_buy, optimize_401k_match, shared. An unrecognized value returns validation_error listing the accepted set. - name: string. Return one full entry. Requires category. Returns validation_error if not found. - verbose: boolean. Return all 10 citation fields per entry instead of just category+name. Ignored when name is also present (single entry always includes all fields). Omit category to get the full verbose catalog. Default (no args): index mode. Every entry with just category and name fields (~20 KB).

Calculation, not advice. Verify with a professional before acting. Deterministic 401(k) employer-match optimizer. Given your annual salary, pay frequency, current contribution percent, and your employer's match formula (as a named preset or a custom tier list), computes: - the annual match you receive today; - the maximum match available (full match entitlement); - the match forfeited at your current rate; - the minimum contribution percent to receive the full match; - whether front-loading contributions would forfeit match at a no-true-up plan; and - a per-period schedule showing level vs. front-load paths side by side. Pick this to size 401(k) contributions against the employer match formula; pick `compare_payoff_vs_invest` when the question is putting an extra monthly amount toward a debt versus investing it (that tool takes no employer-match input), not how much of the match to receive. IRS limits (402(g) elective deferral, 401(a)(17) compensation cap, 415(c) annual additions) are applied and cited in provenance. Catch-up contribution ceilings for ages 50+ and 60-63 (SECURE 2.0) are computed when participant_age is provided; when a catch-up allowance applies, applied_caps[].cap_name reads '402(g) elective deferral plus 414(v) catch-up' and limit_value carries the combined ceiling, not the bare 402(g) amount. HEAVY tool: use output='summary' (default) for the headline scalars or output='inline' for the full per-period schedule.

Calculation, not advice. Verify with a professional before acting. Returns metadata about the running Senaro MCP server: version, contract version, build commit, build timestamp, and the full list of supported tools. Call this once per session before drafting any content to verify the running process is not stale after a deploy. Idempotent, no side effects, < 50 ms. If server_version is below the minimum required by your skill, STOP and ask the user to restart Claude Desktop.

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