SmartMoney77 MCP server

• Registry namecom.smartmoney77/financial-calculatorsverified in the MCP registry

The registry name sits under smartmoney77.com. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

• Stateanswerschecked 2026-10-21
• Tools14
• Server calls itselfcom.smartmoney77/financial-calculators
• Server version0.6.1
• Protocol version2025-06-18

On 2026-10-21 the server answered initialize and tools/list without a sign-in. First answer in 1144 ms.

• Its tools do every use case we checked: estimate what a past investment would be worth today; see how inflation reduces the value of cash.
• Checked on 6 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: 6 so far
• What an agent can do with it2 of 2 use cases
• Answeredmeasuring6 of the 7 daily checks it takes to print a share
• Median first answer1344 ms
• Space in an agent's context≈ 4,530 tokensthe definitions of all its tools (14), which an agent carries on every turn
• Tool definitionsA · 100 of 100
• Typed results14 of 14 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 →

• get_tool_guide

  Discovery helper: returns the standard prompt template, argument template, output-interpretation guide and related resources for one or all SmartMoney77 tools, so you can call them correctly without guessing. Example: { "tool"…

• list_calculators

  List every SmartMoney77 calculator with its slug, accepted URL parameters and supported languages/currencies. Call this before build_calculator_link. Example: { "group": "history" } returns only the 'what if I had invested' tools.

• build_calculator_link

  Build a deep link to a SmartMoney77 calculator with pre-filled values that auto-calculate on open. Use list_calculators first to find the slug and its parameters. Example: { "calculator": "bitcoin-history", "lang": "en", "params": {…

• build_share_pack

  Build everything needed to share a SmartMoney77 calculation on social media in one call: the deep link to the result, a ready-to-embed 1200x628 image URL rendered on our servers, a link that opens the on-site share modal (1200x628…

• compound_interest

  Project the future value of an initial amount plus monthly contributions at a given annual return (monthly compounding), and return a link to the same calculation on SmartMoney77. Example: { "initial": 10000, "monthly": 500, "rate": 8…

• fire_number

  Calculate the financial-independence (FIRE) target from monthly expenses using the 4% rule, plus how many years of saving are needed. Example: { "expenses": 4000, "saving": 1500, "current": 50000 } → fireNumber 1,200,000.

• credit_card_payoff

  Calculate how long it takes to clear a credit card balance at a fixed monthly payment and APR, plus the total interest paid. Example: { "balance": 10000, "payment": 400, "rate": 18 } → about 32 months and ~2,600 in interest. Errors when…

• emergency_fund

  Calculate how many months of expenses current savings cover, the target emergency fund size, the gap, and how long it takes to close it. Example: { "expenses": 3000, "savings": 6000, "contribution": 500, "target": 6 } → 2 months covered…

• inflation_check

  Calculate how much purchasing power cash loses to inflation over time, and what nominal amount keeps the same buying power. Example: { "amount": 100000, "rate": 3, "years": 10 } → realValue ≈ 74,409 and equivalentNeeded ≈ 134,392.

• latte_factor

  Calculate what a small recurring daily expense (coffee, cigarettes, takeaway) costs over time and what it would grow to if invested instead. Monthly cost = cost × perWeek × 52 / 12, and monthly contributions are made at the end of each…

• killer_fees

  Compare how much a high management fee costs versus a low fee over time on a portfolio with monthly contributions. Example: { "portfolio": 100000, "monthly": 1000, "highFee": 1.5, "lowFee": 0.3, "years": 25 } → the low-fee portfolio ends…

• cost_of_waiting

  Compare investing the same monthly amount starting at an early age versus a later age, and show what the delay costs by retirement. Example: { "monthly": 1000, "start": 25, "compare": 35, "retire": 67, "rate": 8 } → a large gap created…

• historical_investment_return

  Compute what a past investment would be worth today (or in a later year), using the same yearly low/high average prices as the SmartMoney77 history calculators. All amounts and prices are in USD only. Assets: bitcoin, ethereum, solana…

• compare_investments

  Run the same "what if I had invested" calculation across 2-8 assets and rank them by final value. USD only, same yearly low/high average pricing as the SmartMoney77 history calculators. Assets: bitcoin, ethereum, solana, sp500, nasdaq100…