Skip to content
verify mcp Beta VerifyMCP is currently in beta. If you notice any issues, email [email protected] and we’ll put it right.

Numeratica — financial planning calculations

REMOTE · API.NUMERATICA.COM · 2 COMPONENTS · SCANNED AUG 3

Deterministic US financial planning: retirement Monte Carlo, Roth conversion, RMD, tax, IRMAA, SS

+7 this week 55 Trust /100
Trust breakdown (6 categories)

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score →

Endpoint Security60
Transport & Reachability100
Schema Quality & AI Usability30
  • AI-judged instruction clarity (poor).Fail
  • Context-footprint check failed: tool/resource definitions use about 10438 tokens (~137/item across 76 items; 76 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
  • Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management23
  • Stability observed for 7 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage67
  • 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
  • 0% of tool parameters carry a description.Fail
Capabilities100
  • Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
Install

Add this component to your MCP client. Where a client-specific snippet is available, pick your client below and copy it straight into your config; otherwise use the connection detail shown.

remote · api.numeratica.com

# add to Claude Code
claude mcp add --transport http com-numeratica-mcp https://api.numeratica.com/mcp
# ~/.codex/config.toml
[mcp_servers.com-numeratica-mcp]
url = "https://api.numeratica.com/mcp"
// opencode.json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-numeratica-mcp": {
      "type": "remote",
      "url": "https://api.numeratica.com/mcp",
      "enabled": true
    }
  }
}
# add to OpenClaw
openclaw mcp add com-numeratica-mcp --url https://api.numeratica.com/mcp --transport streamable-http
# ~/.hermes/config.yaml
mcp_servers:
  com-numeratica-mcp:
    url: "https://api.numeratica.com/mcp"
// mcp.json
{
  "mcpServers": {
    "com-numeratica-mcp": {
      "type": "http",
      "url": "https://api.numeratica.com/mcp"
    }
  }
}

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

Changelog

Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.

  • 2 Aug 26 +1

    No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.

  • 1 Aug 26 +4
    • We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
  • 31 Jul 26 0
    • We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
  • 30 Jul 26 +1

    No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

  • 29 Jul 26 +1

    No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

  • 28 Jul 26 0
    • Stability: unverified → 0.03 functional
  • 27 Jul 26 48

    First indexed and scored.

Diagnostics

Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.

Captured 3 Aug 2026 · Probed https://api.numeratica.com/mcp

TLS valid

Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .

Subject Issuer Valid from Valid until Key Signature Serial
CN=api.numeratica.com CN=WR3,O=Google Trust Services,C=US 27 Jun 2026 25 Sept 2026 RSA 2048 SHA256-RSA 4766f62e1295ea41097b263d09f92498
SANs: api.numeratica.com
CN=WR3,O=Google Trust Services,C=US (CA) CN=GTS Root R1,O=Google Trust Services LLC,C=US 13 Dec 2023 20 Feb 2029 RSA 2048 SHA256-RSA 7ff005a91568d63abc22861684aa4b5a
CN=GTS Root R1,O=Google Trust Services LLC,C=US (CA) CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE 19 Jun 2020 28 Jan 2028 RSA 4096 SHA256-RSA 77bd0d6cdb36f91aea210fc4f058d30d
DNSSEC secure

Validation of api.numeratica.com. Secure

Zone DS Keys Algorithms Outcome
. trust_anchor 20326, 38696 8, 8 Verified
com. present 19718 13 Verified
numeratica.com. present 2371 13 Verified
api.numeratica.com. Verified address RRset verified with the apex keys
Authentication No authorisation required

The endpoint answered without asking for a token. Anyone who knows the URL can reach it.

Result No authorisation required
HTTP status 200
Header Value
x-content-type-options nosniff
Transports 2 probes
Transport URL Outcome Status Location
streamable-http https://api.numeratica.com/mcp Verified 200
http (plaintext) http://api.numeratica.com/mcp HTTPS enforced 302 https://api.numeratica.com/mcp
MCP tools — 76 exposed · ~10,438 tokens

The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability.

Tool Tokens
retirement_rmd ~81

Required Minimum Distribution: prior-year-end balance divided by the IRS distribution period. Uniform Lifetime by default; Single Life (inherited/beneficiary) via table=single.

NameTypeReqDescription
account_balancenumber
ageinteger
birth_yearinteger
second_ageinteger
tablestring

No output schema declared.

No examples provided.

retirement_savings_target ~179

Retirement savings target. Numeratica POST /v1/retirement/savings-target — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
annual_fee_ratenumber
current_ageinteger
current_savingsnumber
end_ageinteger
expected_returnnumber
inflationnumber
num_simulationsinteger
other_incomenumber
retirement_ageinteger
return_volatilitynumber
seedinteger
success_probability_targetnumber
target_annual_incomenumber
withdrawal_ratenumber

No output schema declared.

No examples provided.

retirement_self_employed ~95

Retirement self employed. Numeratica POST /v1/retirement/self-employed — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
ageinteger
existing_w2_deferralsnumber
net_profitnumber
tax_yearinteger

No output schema declared.

No examples provided.

retirement_sepp ~83

Retirement sepp. Numeratica POST /v1/retirement/sepp — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
account_balancenumber
ageinteger
interest_ratenumber

No output schema declared.

No examples provided.

retirement_survivor_scenario ~120

Retirement survivor scenario. Numeratica POST /v1/retirement/survivor-scenario — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
deceased_spousestring
on_medicareboolean
shared_ordinary_incomenumber
spouse_aobject
spouse_bobject
tax_yearinteger

No output schema declared.

No examples provided.

retirement_withdrawal_sequencing ~189

Retirement withdrawal sequencing. Numeratica POST /v1/retirement/withdrawal-sequencing — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
ageinteger
birth_yearinteger
bracket_ceilingnumber
filing_statusstring
other_ordinary_incomenumber
other_qualified_incomenumber
spending_neednumber
state_tax_ratenumber
strategystring
tax_deferred_balancenumber
tax_free_balancenumber
tax_yearinteger
taxable_balancenumber
taxable_cost_basis_fractionnumber

No output schema declared.

No examples provided.

retirement_withdrawal_strategy ~192

Dynamic retirement spending strategies over Monte Carlo paths: fixed_real, fixed_pct, guardrails (Guyton-Klinger), vpw, floor_and_ceiling. Returns the spending path, success probability, and ending bands.

NameTypeReqDescription
annual_fee_ratenumber
ceiling_multnumber
current_ageinteger
current_balancenumber
end_ageinteger
expected_returnnumber
floor_multnumber
glide_patharray
guard_adjustnumber
guard_widthnumber
inflationnumber
initial_ratenumber
num_simulationsinteger
return_volatilitynumber
seedinteger
strategystring
vpw_real_returnnumber

No output schema declared.

No examples provided.

roth_conversion ~193

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 pay-tax-from-external-funds.

NameTypeReqDescription
annual_returnnumber
birth_yearinteger
conversion_end_ageinteger
current_ageinteger
end_ageinteger
external_returnnumber
external_taxable_balancenumber
filing_statusstring
irmaa_tier_capinteger
other_ordinary_incomenumber
pay_tax_from_externalboolean
roth_balancenumber
state_tax_ratenumber
target_bracketnumber
tax_deferred_balancenumber
tax_yearinteger

No output schema declared.

No examples provided.

roth_vs_traditional ~129

Roth vs traditional. Numeratica POST /v1/roth-vs-traditional — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
annual_contributionnumber
capital_gains_ratenumber
current_marginal_ratenumber
expected_returnnumber
invest_tax_savingsboolean
retirement_marginal_ratenumber
yearsinteger

No output schema declared.

No examples provided.

savings_waterfall ~155

Savings waterfall. Numeratica POST /v1/savings-waterfall — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
ageinteger
annual_savingsnumber
compensationnumber
covered_by_workplace_planboolean
employer_match_cap_pctnumber
employer_match_ratenumber
filing_statusstring
hsa_coveragestring
maginumber
prior_year_wagesnumber
tax_yearinteger

No output schema declared.

No examples provided.

social_security ~135

Social Security claiming analysis (ages 62-70): monthly/lifetime benefit, breakeven, optimal claim age. Optional earnings test, spousal/survivor/divorced household, and COLA.

NameTypeReqDescription
annual_earningsnumber
birth_yearinteger
claim_ageinteger
cola_ratenumber
discount_ratenumber
earnings_test_yearinteger
longevity_ageinteger
pia_monthlynumber
spouseobject
survivor_claim_ageinteger

No output schema declared.

No examples provided.

social_security_couple_claim ~88

Social security couple claim. Numeratica POST /v1/social-security/couple-claim — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
discount_ratenumber
spouse_aobject
spouse_bobject

No output schema declared.

No examples provided.

tax_asset_location ~109

Tax asset location. Numeratica POST /v1/tax/asset-location — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
assetsarray
filing_statusstring
tax_advantaged_balancenumber
tax_yearinteger
taxable_balancenumber
taxable_incomenumber

No output schema declared.

No examples provided.

tax_bracket_room ~85

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 Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
filing_statusstring
tax_yearinteger
taxable_incomenumber

No output schema declared.

No examples provided.

tax_estimate ~413

Federal income tax estimate (2025/2026): ordinary brackets, standard/itemized deduction, LTCG stacking, NIIT, Additional Medicare; optional AMT (include_amt) and real per-state tax via the state field. filing_status is one of single/mfj/mfs/hoh.

NameTypeReqDescription
adoption_expensesnumber
adoption_special_needsboolean
aged_blind_countinteger
amt_preference_itemsnumber
aotc_student_expensesarray
charitable_contributionsnumber
dependent_care_countinteger
dependent_care_expensesnumber
eitc_qualifying_childreninteger
filing_statusstring
force_itemizeboolean
include_amtboolean
include_creditsboolean
include_itemized_limitboolean
include_qbiboolean
itemized_deductionsnumber
llc_expensesnumber
net_investment_incomenumber
ordinary_incomenumber
other_dependentsinteger
qbinumber
qbi_is_sstbboolean
qbi_reit_ptp_dividendsnumber
qbi_ubianumber
qbi_w2_wagesnumber
qualified_incomenumber
qualifying_childreninteger
retirement_contributionsnumber
salt_paidnumber
senior_countinteger
social_security_incomenumber
statestring
state_tax_ratenumber
state_taxable_incomenumber
tax_yearinteger
wagesnumber

No output schema declared.

No examples provided.

tax_estimated_tax ~130

Tax estimated tax. Numeratica POST /v1/tax/estimated-tax — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
estimated_paymentsarray
filing_statusstring
prior_year_aginumber
prior_year_taxnumber
projected_current_taxnumber
tax_yearinteger
underpayment_ratenumber
withholdingnumber

No output schema declared.

No examples provided.

tax_filing_status ~86

Tax filing status. Numeratica POST /v1/tax/filing-status — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
spouse_aobject
spouse_bobject
tax_yearinteger

No output schema declared.

No examples provided.

tax_gain_harvesting ~104

Tax gain harvesting. Numeratica POST /v1/tax/gain-harvesting — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
filing_statusstring
maginumber
realize_amountnumber
tax_yearinteger
taxable_incomenumber

No output schema declared.

No examples provided.

tax_liquidation_schedule ~159

Tax liquidation schedule. Numeratica POST /v1/tax/liquidation-schedule — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
cost_basisnumber
filing_statusstring
growth_ratenumber
horizon_yearsinteger
market_valuenumber
max_annual_gainnumber
objectivestring
other_ltcgnumber
other_ordinary_incomenumber
state_tax_ratenumber
tax_yearinteger

No output schema declared.

No examples provided.

tax_marginal_map ~205

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 Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
benchmark_annual_premiumnumber
filing_statusstring
household_sizeinteger
include_acaboolean
include_irmaaboolean
medicare_beneficiariesinteger
ordinary_incomenumber
qualified_incomenumber
social_security_benefitsnumber
statestring
sweep_startnumber
sweep_stepnumber
sweep_stopnumber
sweep_variablestring
tax_exempt_interestnumber
tax_yearinteger

No output schema declared.

No examples provided.

tax_qcd_plan ~168

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 Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
ageinteger
birth_yearinteger
filing_statusstring
intended_giftnumber
ira_balancenumber
medicare_beneficiariesinteger
ordinary_incomenumber
other_itemizednumber
qualified_incomenumber
social_security_benefitsnumber
tax_exempt_interestnumber
tax_yearinteger

No output schema declared.

No examples provided.

tax_qsbs_exclusion ~134

Tax qsbs exclusion. Numeratica POST /v1/tax/qsbs-exclusion — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
acquisition_datestring
basisnumber
filing_statusstring
gainnumber
gross_assets_at_issuancenumber
holding_period_yearsnumber
other_incomenumber
tax_yearinteger

No output schema declared.

No examples provided.

tax_s_corp_salary ~141

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 reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
business_net_incomenumber
filing_statusstring
max_salarynumber
other_incomenumber
reasonable_comp_floornumber
sstbboolean
state_tax_ratenumber
tax_yearinteger
ubianumber

No output schema declared.

No examples provided.

tax_social_security_benefits ~112

Tax social security benefits. Numeratica POST /v1/tax/social-security-benefits — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
filing_statusstring
marginal_ordinary_ratenumber
other_incomenumber
social_security_benefitsnumber
tax_exempt_interestnumber

No output schema declared.

No examples provided.

tax_state_income ~116

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 Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
ageinteger
filing_statusstring
pension_incomenumber
social_security_incomenumber
statestring
state_taxable_incomenumber
tax_yearinteger

No output schema declared.

No examples provided.

tax_survivor_transition ~135

Tax survivor transition. Numeratica POST /v1/tax/survivor-transition — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
conversion_amountnumber
ordinary_incomenumber
qualified_incomenumber
social_security_highernumber
social_security_lowernumber
survivor_ordinary_incomenumber
tax_exempt_interestnumber
tax_yearinteger

No output schema declared.

No examples provided.

tax_tlh_benefit ~126

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 Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
filing_statusstring
growth_ratenumber
harvestable_lossnumber
offsettable_gainsnumber
reinvestment_yearsnumber
tax_yearinteger
taxable_incomenumber

No output schema declared.

No examples provided.

tax_w4_checkup ~122

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 Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
pay_periods_remaininginteger
per_paycheck_withholdingnumber
prior_year_aginumber
prior_year_taxnumber
taxobject
ytd_withheldnumber

No output schema declared.

No examples provided.

tvm ~110

Tvm. Numeratica POST /v1/tvm — returns JSON with result_id, engine_version, and a not-advice disclaimer (seed echoed for reproducible Monte Carlo where applicable). See the input schema for the accepted fields.

NameTypeReqDescription
fvnumber
npernumber
payments_at_beginningboolean
pmtnumber
pvnumber
ratenumber
solve_forstring

No output schema declared.

No examples provided.