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Senaro MCP server

Which servers in the official MCP registry are Senaro's own, whether they answer, and what they offer. A program checked each of these, nobody copied them from a product page.

read 2026-10-20

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Whose server it is
  • Registry nameai.senaro/personal-financeverified in the MCP registry

The registry name sits under senaro.ai. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

When we asked itchecked 2026-10-20
  • Stateanswerschecked 2026-10-20
  • Tools18
  • Server calls itselfsenaro
  • Server version1.33.4
  • Protocol version2025-06-18

On 2026-10-20 the server answered initialize and tools/list without a sign-in. First answer in 179 ms.

Should an agent connect itNot proven either way yet
  • Its tools do every use case we checked: Compare avalanche and snowball credit card payoff strategies; Estimate interest saved and debt-free date for multiple cards; Model cash advance APR separately from purchase APR.
  • Checked on 2 of the 7 days it takes to judge reliability.

Once connected

  • For "Compare avalanche and snowball credit card payoff strategies", the likely first call is compare_payoff_strategies.
  • For "Estimate interest saved and debt-free date for multiple cards", the likely first call is compare_payoff_strategies.
  • For "Model cash advance APR separately from purchase APR", the likely first call is analyze_cash_advance.
  • Its definitions take about 32427 tokens of context: enable only the tools a task needs.

Said by rules from the measurements above. The likely first call is a model's pick from the tool list; read its description before relying on it.

Measured dailydaily checks: 2, the first on 2026-10-20
  • INITE MCP scoreafter a weeka score needs 7 daily checks: 2 so far
  • What an agent can do with it3 of 3 use cases
  • Answeredmeasuring2 of the 7 daily checks it takes to print a share
  • Median first answer210 ms
  • Space in an agent's context≈ 32,427 tokensthe definitions of all its tools (18), which an agent carries on every turn
  • Tool definitionsA · 100 of 100
  • Typed results0 of 18 toolsdeclared outputSchema: results come typed, read once
  • Every tool passes all six checks.

What an agent can do with it

  • can do · Compare avalanche and snowball credit card payoff strategies
  • can do · Estimate interest saved and debt-free date for multiple cards
  • can do · Model cash advance APR separately from purchase APR

Each of the product's use cases, put to Jev against this server's tool list: can an agent do it with these tools?

Worth a look

None of the five warning signs in these definitions.

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The score weighs what was measured and nothing else: answering (30%), doing the product's job (25%), definitions (20%), context (10%) and use (15%). A part that was not measured is left out, and a hidden instruction caps the score at 40. The state of vendors' MCP servers: method and numbers →

Tools it offers18 tools · read 2026-10-20
  • analyze_cash_advance

    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…

  • analyze_pmi_removal

    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…

  • calculate_cc_payoff

    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…

  • calculate_compound_interest

    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…

  • calculate_debt_to_income

    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…

  • calculate_emergency_fund

    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…

  • calculate_loan_payoff

    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_opportunity_cost

    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_refi_breakeven

    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…

  • calculate_runway

    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…

  • compare_debt_consolidation

    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…

  • compare_mortgage_terms

    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…

  • compare_payoff_strategies

    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…

  • compare_payoff_vs_invest

    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…

  • compare_rent_vs_buy

    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…

  • list_defaults

    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…

  • optimize_401k_match

    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…

  • server_info

    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…

How to connect

Add the server to your MCP client config. Claude Desktop, Cursor and most other clients read this shape:

{
  "mcpServers": {
    "personal-finance": {
      "type": "http",
      "url": "https://mcp.senaro.ai/mcp"
    }
  }
}

Add it

Claude Code, in a terminal

claude mcp add --transport http senaro https://mcp.senaro.ai/mcp

Add to CursorAdd to VS Code

claude.ai, ChatGPT and other clients: add https://mcp.senaro.ai/mcp as a custom connector in the settings.

Each line is something a program found when it went looking: the registry entry, the server's own answer, a spec that parses. A missing line means we did not find it, not that it does not exist.