SmartFin MCP server

• Registry namefyi.smartfin/smartfinverified in the MCP registry

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

• Stateanswerschecked 2026-10-21
• Tools20
• Server calls itselfsmartfin
• Server version3.3.0
• Protocol version2025-06-18

On 2026-10-21 the server answered initialize and tools/list without a sign-in. First answer in 99 ms.

• Whether its tools do the product's job has not been judged yet.
• Checked on 1 of the 7 days it takes to judge reliability.

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.

• INITE MCP scoreafter a weeka score needs 7 daily checks: 1 so far
• Answeredmeasuring1 of the 7 daily checks it takes to print a share
• Median first answer196 ms
• Space in an agent's context≈ 10,753 tokensthe definitions of all its tools (20), which an agent carries on every turn
• Tool definitionsA · 100 of 100
• Typed results20 of 20 toolsdeclared outputSchema: results come typed, read once

• Every tool passes all six checks.

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 →

• smartfin_compare_investment_strategies

  Runs one amount through three ways of buying the same US stock or index ETF over a chosen period, on real daily closing prices (adjusted for splits and reinvested dividends): all at once on the first trading day (lump sum), spread evenly…

• smartfin_calculate_investment_return

  What an amount invested in a US stock or index ETF became over a past period under one strategy: lump_sum (all on the first trading day), monthly (spread on the trading day nearest the 1st of each month) or buy_the_dip (bought after falls…

• smartfin_compare_time_periods

  What a fixed amount in a US stock or index ETF became across reference periods ending today (or on as_of_date): since 2000, since the dot-com peak (24 Mar 2000), since the dot-com crash low (9 Oct 2002), since the 2007 peak (9 Oct 2007)…

• smartfin_calculate_loan_payment

  Monthly payment, total interest and total paid for a fixed-rate loan with monthly payments: mortgage, car, student or personal loan. Give either loan_amount, or home_price with down_payment_pct for a mortgage. Use when the user asks what…

• smartfin_project_savings_growth

  Future balance of savings or an investment growing at a fixed yearly rate, with optional monthly contributions and a chosen compounding frequency. Returns the balance, total paid in and interest earned. Use for forward-looking "how much…

• smartfin_calculate_inflation_impact

  What an amount will be worth in today's money after years of inflation at a fixed yearly rate, and what something costing that amount today will cost then. Use for questions about buying power or future prices at an assumed inflation…

• smartfin_calculate_fire_number

  Works the way SmartFin's FIRE calculator does. The FIRE number today is yearly expenses divided by a withdrawal-rate assumption. Each year savings grow at an assumed return with the yearly savings added, while expenses (and so the FIRE…

• smartfin_calculate_retirement_withdrawal

  Works the way SmartFin's withdrawal calculator does, with withdrawals monthly, quarterly or annually and the balance earning a yearly return between them. how_long: how many years a balance lasts at a set withdrawal, optionally rising…

• smartfin_calculate_simple_interest

  The interest earned and the final amount on a principal at a fixed yearly rate over a number of years, when interest is not compounded (interest = principal x rate x time). Use for questions about simple interest on a loan or deposit…

• smartfin_calculate_future_value

  What a single present amount grows to at a fixed yearly rate with interest added to the balance at a chosen frequency, and the growth over the starting amount (FV = PV x (1 + r/n)^(n x t)). Use for questions about what a lump sum becomes…

• smartfin_calculate_missing_variable

  Finds the one missing number among four that sit in the same equation, a single amount earning one fixed yearly rate with interest added at a chosen frequency (FV = PV x (1 + r/n)^(n x t)): the future value, the starting amount, the…

• smartfin_calculate_present_value

  What an amount due in the future is worth today at a fixed yearly discount rate, and the discount between the two (PV = FV / (1 + r/n)^(n x t)). Use for questions about the value today of money received later, at a discount rate the user…

• smartfin_calculate_roi

  The profit or loss and the ROI percentage from an initial investment and a final value (ROI = (final - initial) / initial x 100). Negative results are valid. It is not annualized. Use for questions about the total percentage return on…

• smartfin_calculate_profit_margin

  The profit and the profit margin percentage from revenue and total costs (margin = (revenue - costs) / revenue x 100). A negative margin is a valid result. Use for questions about profit as a share of sales, from two figures for the same…

• smartfin_compare_rent_vs_buy

  Compares buying a home with a fixed-rate mortgage against renting a similar home and investing the money not spent on the home, over the years someone plans to stay, the way SmartFin's rent vs buy calculator does. Both start with the same…

• smartfin_calculate_savings_vs_investing

  Compares the modeled balances of a savings account and of an investment after 1 to 50 years, from the same starting amount and the same monthly contribution, the way SmartFin's savings vs investing calculator does. You give the savings…

• smartfin_calculate_mortgage_payoff

  How much sooner a fixed-rate mortgage (or other fixed-rate loan paid monthly) ends with an extra amount every month, a one-off payment, or both, from today's balance, the way SmartFin's mortgage payoff calculator does. Give the time left…

• smartfin_calculate_down_payment

  How long savings take to reach a home down payment, from what is saved so far plus the same amount each month growing at a fixed yearly rate, and, with reach_within_months, the monthly amount that reaches it by then, the way SmartFin's…

• smartfin_compare_two_stocks

  Compares two US-listed stocks or index ETFs on identical dates with the same money, on daily closing prices adjusted for stock splits with dividends reinvested, the way SmartFin's Compare Two Stocks page does. Returns, for each, the value…

• smartfin_get_embed_code

  The HTML to put one of SmartFin's free calculators on a website the user runs: a blog post, a class or library page, a client resources page. One iframe line, free, no sign-up, no cookies or tracking; the widget fills the width it's given…