# Numeratica — financial planning calculations > Numeratica — financial planning calculations, an MCP server by numeratica.com, listed from the official MCP registry. Indexed, not reviewed: facts and our own checks, no score or ranking. Deterministic US financial planning: retirement Monte Carlo, Roth conversion, RMD, tax… - Canonical: https://www.anchorterminal.com/tools/numeratica-mcp - Markdown: https://www.anchorterminal.com/tools/numeratica-mcp.md (~4,600 tokens) - Slim: https://www.anchorterminal.com/tools/numeratica-mcp.min.md (~4,530 tokens, same facts, less prose, for token-sensitive contexts) - JSON: https://www.anchorterminal.com/tools/numeratica-mcp.json (this page as data, same URL with Accept: application/json) - Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt) - API: https://www.anchorterminal.com/api/v1/index.json - Updated: 2026-10-04 # Numeratica — financial planning calculations > Indexed, not reviewed: facts from the official MCP registry and our own checks. No score, grade or rank, and not in the rankings until the panel reviews it. How the index works: https://www.anchorterminal.com/indexed/ - Kind: MCP server, by numeratica.com (https://docs.numeratica.com) - Listed because: It's published in the registry under numeratica.com, a namespace the registry only gives to whoever proves they control that domain. - What the official MCP registry says: Deterministic US financial planning: retirement Monte Carlo, Roth conversion, RMD, tax, IRMAA, SS ## Facts - MCP registry: `com.numeratica/mcp` 0.1.5 - Endpoint: https://api.numeratica.com/mcp (streamable HTTP) - Package: npm `@numeratica/mcp` (stdio) - Source: https://github.com/numeratica/mcp - Website: https://docs.numeratica.com - npm downloads a week: 47 - GitHub stars: 0 - Registry entry updated: 2026-07-28 ## Tools - Tools it lists (76, about 25,259 tokens of context, `tools/list` without credentials, checked 2026-10-04 22:23 UTC): - `annuity`: Annuity. Numeratica POST /v1/annuity — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where… - `benefits_dependent_care`: Benefits dependent care. Numeratica POST /v1/benefits/dependent-care — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed… - `benefits_health_plan`: Benefits health plan. Numeratica POST /v1/benefits/health-plan — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `capital_market_assumptions`: Capital market assumptions. Numeratica POST /v1/capital-market-assumptions — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed… - `cashflow_npv_irr`: Cashflow npv irr. Numeratica POST /v1/cashflow/npv-irr — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `college_savings`: College savings. Numeratica POST /v1/college-savings — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `contribution_limits`: Contribution limits. Numeratica POST /v1/contribution-limits — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `debt_payoff`: Debt payoff. Numeratica POST /v1/debt-payoff — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte… - `debt_vs_invest`: Debt vs invest. Numeratica POST /v1/debt-vs-invest — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `education_529_to_roth`: Education 529 to roth. Numeratica POST /v1/education/529-to-roth — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `education_aid_estimate`: Education aid estimate. Numeratica POST /v1/education/aid-estimate — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `education_student_loan`: Education student loan. Numeratica POST /v1/education/student-loan — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `education_student_loan_refi`: Education student loan refi. Numeratica POST /v1/education/student-loan-refi — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed… - `equity_comp_espp`: Equity comp espp. Numeratica POST /v1/equity-comp/espp — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `equity_comp_iso`: Equity comp iso. Numeratica POST /v1/equity-comp/iso — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `equity_comp_iso_amt_capacity`: Equity comp iso amt capacity. Numeratica POST /v1/equity-comp/iso-amt-capacity — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed… - `equity_comp_iso_schedule`: Equity comp iso schedule. Numeratica POST /v1/equity-comp/iso-schedule — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed… - `equity_comp_nso`: Equity comp nso. Numeratica POST /v1/equity-comp/nso — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `equity_comp_nua`: Equity comp nua. Numeratica POST /v1/equity-comp/nua — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `equity_comp_rsu`: Equity comp rsu. Numeratica POST /v1/equity-comp/rsu — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `equity_comp_section_83b`: Equity comp section 83b. Numeratica POST /v1/equity-comp/section-83b — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed… - `goal_funding`: Goal funding. Numeratica POST /v1/goal-funding — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte… - `healthcare_aca_optimize`: Healthcare aca optimize. Numeratica POST /v1/healthcare/aca-optimize — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed… - `healthcare_costs`: Healthcare costs. Numeratica POST /v1/healthcare-costs — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `inflation_adjust`: Inflation adjust. Numeratica POST /v1/inflation-adjust — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `inherited_ira`: Inherited ira. Numeratica POST /v1/inherited-ira — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte… - `insurance_disability_needs`: Insurance disability needs. Numeratica POST /v1/insurance/disability-needs — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed… - `insurance_life_needs`: Insurance life needs. Numeratica POST /v1/insurance/life-needs — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `insurance_long_term_care`: Insurance long term care. Numeratica POST /v1/insurance/long-term-care — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed… - `ira_eligibility`: Ira eligibility. Numeratica POST /v1/ira-eligibility — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `loan_amortization`: Loan amortization. Numeratica POST /v1/loan/amortization — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `longevity`: Longevity. Numeratica POST /v1/longevity — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo… - `medicare_irmaa`: Medicare IRMAA: Part B and Part D income-related monthly adjustment by tier, plus headroom to the next tier. MAGI uses the 2-year lookback; filing_status is… - `medicare_late_enrollment_penalty`: Medicare late enrollment penalty. Numeratica POST /v1/medicare/late-enrollment-penalty — returns JSON with result_id, engine_version, and a not-advice… - `mortgage_affordability`: Mortgage affordability. Numeratica POST /v1/mortgage/affordability — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `mortgage_points`: Mortgage points. Numeratica POST /v1/mortgage/points — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `mortgage_refinance`: Mortgage refinance. Numeratica POST /v1/mortgage/refinance — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `mortgage_rent_vs_buy`: Mortgage rent vs buy. Numeratica POST /v1/mortgage/rent-vs-buy — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `mortgage_term_comparison`: Mortgage term comparison. Numeratica POST /v1/mortgage/term-comparison — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed… - `pension_lump_sum_vs_annuity`: Pension lump sum vs annuity. Numeratica POST /v1/pension/lump-sum-vs-annuity — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed… - `portfolio_glidepath`: Portfolio glidepath. Numeratica POST /v1/portfolio/glidepath — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `portfolio_rebalance`: Portfolio rebalance. Numeratica POST /v1/portfolio/rebalance — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `retirement_accumulation_projection`: Retirement accumulation projection. Numeratica POST /v1/retirement/accumulation-projection — returns JSON with result_id, engine_version, and a not-advice… - `retirement_backdoor_roth`: Retirement backdoor roth. Numeratica POST /v1/retirement/backdoor-roth — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed… - `retirement_hsa`: Retirement hsa. Numeratica POST /v1/retirement/hsa — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `retirement_monte_carlo`: Monte Carlo retirement projection: probability of not running out of money over a horizon, with percentile balance bands. Deterministic given a seed (returned… - `retirement_qlac`: Retirement qlac. Numeratica POST /v1/retirement/qlac — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `retirement_rmd`: Required Minimum Distribution: prior-year-end balance divided by the IRS distribution period. Uniform Lifetime by default; Single Life (inherited/beneficiary)… - `retirement_savings_target`: Retirement savings target. Numeratica POST /v1/retirement/savings-target — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed… - `retirement_self_employed`: Retirement self employed. Numeratica POST /v1/retirement/self-employed — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed… - `retirement_sepp`: Retirement sepp. Numeratica POST /v1/retirement/sepp — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `retirement_survivor_scenario`: Retirement survivor scenario. Numeratica POST /v1/retirement/survivor-scenario — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed… - `retirement_withdrawal_sequencing`: Retirement withdrawal sequencing. Numeratica POST /v1/retirement/withdrawal-sequencing — returns JSON with result_id, engine_version, and a not-advice… - `retirement_withdrawal_strategy`: Dynamic retirement spending strategies over Monte Carlo paths: fixed_real, fixed_pct, guardrails (Guyton-Klinger), vpw, floor_and_ceiling. Returns the spending… - `roth_conversion`: Multi-year Roth conversion ladder (bracket-fill, IRMAA-aware) vs. a no-conversion baseline, with a year-by-year schedule and after-tax comparison. Optional… - `roth_vs_traditional`: Roth vs traditional. Numeratica POST /v1/roth-vs-traditional — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `savings_waterfall`: Savings waterfall. Numeratica POST /v1/savings-waterfall — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `social_security`: Social Security claiming analysis (ages 62-70): monthly/lifetime benefit, breakeven, optimal claim age. Optional earnings test, spousal/survivor/divorced… - `social_security_couple_claim`: Social security couple claim. Numeratica POST /v1/social-security/couple-claim — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed… - `tax_asset_location`: Tax asset location. Numeratica POST /v1/tax/asset-location — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `tax_bracket_room`: Tax bracket room. Numeratica POST /v1/tax/bracket-room — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `tax_estimate`: Federal income tax estimate (2025/2026): ordinary brackets, standard/itemized deduction, LTCG stacking, NIIT, Additional Medicare; optional AMT (include_amt)… - `tax_estimated_tax`: Tax estimated tax. Numeratica POST /v1/tax/estimated-tax — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `tax_filing_status`: Tax filing status. Numeratica POST /v1/tax/filing-status — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `tax_gain_harvesting`: Tax gain harvesting. Numeratica POST /v1/tax/gain-harvesting — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `tax_liquidation_schedule`: Tax liquidation schedule. Numeratica POST /v1/tax/liquidation-schedule — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed… - `tax_marginal_map`: Tax marginal map. Numeratica POST /v1/tax/marginal-map — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `tax_qcd_plan`: Tax qcd plan. Numeratica POST /v1/tax/qcd-plan — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte… - `tax_qsbs_exclusion`: Tax qsbs exclusion. Numeratica POST /v1/tax/qsbs-exclusion — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `tax_s_corp_salary`: Tax s corp salary. Numeratica POST /v1/tax/s-corp-salary — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for… - `tax_social_security_benefits`: Tax social security benefits. Numeratica POST /v1/tax/social-security-benefits — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed… - `tax_state_income`: Tax state income. Numeratica POST /v1/tax/state-income — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `tax_survivor_transition`: Tax survivor transition. Numeratica POST /v1/tax/survivor-transition — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed… - `tax_tlh_benefit`: Tax tlh benefit. Numeratica POST /v1/tax/tlh-benefit — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `tax_w4_checkup`: Tax w4 checkup. Numeratica POST /v1/tax/w4-checkup — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible… - `tvm`: Tvm. Numeratica POST /v1/tvm — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where… - How its tools read to an agent (0 errors, 1441 warnings, 1 note, about 25,259 tokens; rules at https://www.anchorterminal.com/check.md; not part of the score): - warn TC11 annuity: none of its 11 parameters has a description - warn TC11 benefits_dependent_care: none of its 7 parameters has a description - warn TC11 benefits_health_plan: none of its 7 parameters has a description - warn TC11 capital_market_assumptions: none of its 3 parameters has a description - warn TC11 cashflow_npv_irr: none of its 3 parameters has a description - warn TC11 college_savings: none of its 7 parameters has a description - warn TC11 contribution_limits: none of its 10 parameters has a description - warn TC11 debt_payoff: none of its 3 parameters has a description - warn TC11 debt_vs_invest: none of its 12 parameters has a description - warn TC11 education_529_to_roth: none of its 8 parameters has a description - warn TC11 education_aid_estimate: none of its 18 parameters has a description - warn TC11 education_student_loan: none of its 10 parameters has a description - warn TC11 education_student_loan_refi: none of its 4 parameters has a description - warn TC11 equity_comp_espp: none of its 5 parameters has a description - warn TC11 equity_comp_iso: none of its 8 parameters has a description - warn TC11 equity_comp_iso_amt_capacity: none of its 6 parameters has a description - warn TC11 equity_comp_iso_schedule: none of its 10 parameters has a description - warn TC11 equity_comp_nso: none of its 6 parameters has a description - warn TC11 equity_comp_nua: none of its 10 parameters has a description - warn TC11 equity_comp_rsu: none of its 5 parameters has a description - warn TC11 equity_comp_section_83b: none of its 7 parameters has a description - warn TC11 goal_funding: none of its 6 parameters has a description - warn TC11 healthcare_aca_optimize: none of its 13 parameters has a description - warn TC11 healthcare_costs: none of its 7 parameters has a description - JSON: https://www.anchorterminal.com/api/v1/tools/numeratica-mcp.json - Being indexed says nothing about quality, and nobody can pay for it. 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