# BetterOff (remote · betteroff.finance)

Anonymous public tools for BetterOff. See the published agent boundary before use.

- Trust score: 26/100 (low)
- Change this week: 0
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-20

## Components

- remote · `betteroff.finance`: 26/100 (this document), [markdown](https://verifymcp.io/servers/finance-betteroff-public/betteroff.md), [page](https://verifymcp.io/servers/finance-betteroff-public/betteroff)

## Channel facts

- Endpoint: `https://betteroff.finance/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-09-20.

- **Endpoint Security**: 66/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to connect, but we couldn't read the tool list to see what that exposes.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC is configured correctly; the domain's records validate against the full chain to the root.
- **Transport & Reachability**: 0/100
  - Transport check failed: declared streamable-http, but the endpoint returned HTTP 404.
- **Schema Quality & AI Usability**: 0/100
  - Schema not yet verified: we couldn't read the endpoint's schema.
- **Stability & Change Management**: 0/100
  - Stability not yet verified: not enough scan history yet (needs a 30-day window).
- **Tool Coverage**: 0/100
  - Tool coverage not yet verified: we couldn't read the endpoint's tools.
- **Tool Safety**: 0/100
  - Tool safety not yet verified: we couldn't read the endpoint's tools.
- **Capabilities**: 0/100
  - Capabilities not yet verified: we couldn't read the endpoint's capabilities.

**Unverified: 5 categories.** Categories scored 0 because we could not verify them: authentication we do not have, an unreachable endpoint, or not enough scan history. We only credit what we can confirm.

## Install

### How do I install the BetterOff MCP server?

BetterOff is a hosted endpoint at https://betteroff.finance/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http finance-betteroff-public 'https://betteroff.finance/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "finance-betteroff-public": {
      "url": "https://betteroff.finance/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "finance-betteroff-public": {
      "type": "http",
      "url": "https://betteroff.finance/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.finance-betteroff-public]
url = "https://betteroff.finance/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "finance-betteroff-public": {
      "type": "remote",
      "url": "https://betteroff.finance/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add finance-betteroff-public --url 'https://betteroff.finance/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  finance-betteroff-public:
    url: "https://betteroff.finance/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "finance-betteroff-public": {
      "Transport": "http",
      "Url": "https://betteroff.finance/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add finance-betteroff-public -t streamable-http -u 'https://betteroff.finance/mcp'
```

### Other

```json
{
  "mcpServers": {
    "finance-betteroff-public": {
      "type": "http",
      "url": "https://betteroff.finance/mcp"
    }
  }
}
```

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

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-09-05 (score 26, −53)

- [security regression] Endpoint reachability: reachable → not serving MCP
- [security regression] Stability: 0.23 → unverified
- [security regression] Tool safety: pass → unverified
- [security regression] Authorization: partial → unverified
- [security regression] Transport: pass → fail
- [functional regression] Schema quality: 100 → unverified
- [functional regression] Capabilities: pass → unverified
- [functional regression] Tool coverage: 100 → unverified

### 2026-09-04 (score 79, 0)

- [cosmetic] “calc_compound_interest” reworded the description of “annualFeePct”
- [cosmetic] “calc_compound_interest” reworded the description of “annualRatePct”
- [cosmetic] “calc_compound_interest” reworded the description of “contributionTiming”
- [cosmetic] “calc_dca” reworded the description of “cadence”
- [cosmetic] “calc_dca” reworded the description of “cashYieldPct”
- [cosmetic] “calc_dca” reworded the description of “endPrice”
- [cosmetic] “calc_dca” reworded the description of “feePerPurchase”
- [cosmetic] “calc_dca” reworded the description of “horizonYears”
- [cosmetic] “calc_dca” reworded the description of “scenario”
- [cosmetic] “calc_dca” reworded the description of “startPrice”
- [cosmetic] “calc_dca” reworded the description of “totalInvestment”
- [cosmetic] “calc_dca” reworded the description of “volatilityPct”
- [cosmetic] “calc_emergency_fund” reworded the description of “insuranceDeductibleReserve”
- [cosmetic] “calc_emergency_fund” reworded the description of “monthlyExpenses”
- [cosmetic] “calc_emergency_fund” reworded the description of “monthlySavingsRate”
- [cosmetic] “calc_emergency_fund” reworded the description of “variableIncomeBufferMonths”
- [cosmetic] “calc_fire” reworded the description of “annualContributionGrowthPct”
- [cosmetic] “calc_fire” reworded the description of “annualExpenses”
- [cosmetic] “calc_fire” reworded the description of “annualFeePct”
- [cosmetic] “calc_fire” reworded the description of “annualReturnPct”
- [cosmetic] “calc_fire” reworded the description of “otherAnnualIncome”
- [cosmetic] “calc_fire” reworded the description of “withdrawalRatePct”
- [cosmetic] “calc_impermanent_loss” reworded the description of “priceChangeA”
- [cosmetic] “calc_impermanent_loss” reworded the description of “priceChangeB”
- [cosmetic] “calc_inflation” reworded the description of “categoryRates”
- [cosmetic] “calc_inflation” reworded the description of “inflationRatePct”
- [cosmetic] “calc_investment_return” reworded the description of “dividendsReceived”
- [cosmetic] “calc_investment_return” reworded the description of “feesPaid”
- [cosmetic] “calc_investment_return” reworded the description of “finalValue”
- [cosmetic] “calc_mortgage” reworded the description of “annualPmiRatePct”
- [cosmetic] “calc_mortgage” reworded the description of “annualRatePct”
- [cosmetic] “calc_mortgage” reworded the description of “closingCosts”
- [cosmetic] “calc_mortgage” reworded the description of “downPaymentPct”
- [cosmetic] “calc_mortgage” reworded the description of “extraPrincipalMonthly”
- [cosmetic] “calc_mortgage” reworded the description of “monthlyHOA”
- [cosmetic] “calc_mortgage” reworded the description of “monthlyMaintenance”
- [cosmetic] “calc_net_worth” reworded the description of “asOfDate”
- [cosmetic] “calc_paycheck” reworded the description of “retirement401kPct”
- [cosmetic] “calc_paycheck” reworded the description of “stateRatePct”
- [cosmetic] “calc_portfolio_allocation” reworded the description of “portfolioValue”
- [cosmetic] “calc_portfolio_allocation” reworded the description of “riskCapacity”
- [cosmetic] “calc_retirement” reworded the description of “annualContributionGrowthPct”
- [cosmetic] “calc_retirement” reworded the description of “annualFeePct”
- [cosmetic] “calc_retirement” reworded the description of “annualReturnPct”
- [cosmetic] “calc_retirement” reworded the description of “desiredMonthlyIncome”
- [cosmetic] “calc_retirement” reworded the description of “otherMonthlyIncome”
- [cosmetic] “calc_retirement” reworded the description of “withdrawalRatePct”
- [cosmetic] “calc_savings_goal” reworded the description of “annualFeePct”
- [cosmetic] “calc_savings_goal” reworded the description of “annualReturnPct”
- [cosmetic] “calc_savings_goal” reworded the description of “targetMonths”

### 2026-09-03 (score 79, +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.

### 2026-09-02 (score 78, 0)

- [functional regression] Resource “BetterOff: Know Where Your Household Finances Stand” was removed
- [functional] New resource “BetterOff: Your Net Worth, Explained. One Household Record”

### 2026-09-01 (score 78, +1)

- [functional regression] Resource “About” was removed
- [functional regression] Resource “BetterOff — Know Where Your Household Finances Stand” was removed
- [functional] New resource “BetterOff: Know Where Your Household Finances Stand”
- [functional] New resource “Company & Mission”
- [functional] New resource “Four-Week Design Partner Program”
- [cosmetic] Tool “calc_savings_goal” changed its title: Savings goal calculator → Savings Goal Calculator: Weekly Savings
- [cosmetic] Tool “calc_subscription_cost” changed its title: Subscription cost calculator → Subscription Cost Calculator: Monthly & Annual

### 2026-08-31 (score 77, 0)

- [functional regression] Resource “Pricing & 7-Day Free Trial” was removed
- [functional] New resource “Pricing & 14-Day Free Trial”

### 2026-08-30 (score 77, +1)

- [security] Tool “calc_compound_interest” rewrote its description, which is the text the model reads
- [security] Tool “calc_dca” rewrote its description, which is the text the model reads
- [security] Tool “calc_debt_payoff” rewrote its description, which is the text the model reads
- [security] Tool “calc_emergency_fund” rewrote its description, which is the text the model reads
- [security] Tool “calc_fire” rewrote its description, which is the text the model reads
- [security] Tool “calc_impermanent_loss” rewrote its description, which is the text the model reads
- [security] Tool “calc_inflation” rewrote its description, which is the text the model reads
- [security] Tool “calc_investment_return” rewrote its description, which is the text the model reads
- [security] Tool “calc_mortgage” rewrote its description, which is the text the model reads
- [security] Tool “calc_net_worth” rewrote its description, which is the text the model reads
- [security] Tool “calc_paycheck” rewrote its description, which is the text the model reads
- [security] Tool “calc_portfolio_allocation” rewrote its description, which is the text the model reads
- [security] Tool “calc_retirement” rewrote its description, which is the text the model reads
- [security] Tool “calc_savings_goal” rewrote its description, which is the text the model reads
- [security] Tool “calc_subscription_cost” rewrote its description, which is the text the model reads
- [functional regression] Schema quality: 81 → 94

### 2026-08-29 (score 76, 0)

- [functional improvement] Stability: unverified → 0.03
- [cosmetic] Tool “calc_compound_interest” changed its title: Compound Interest Calculator → Compound interest calculator
- [cosmetic] Tool “calc_dca” changed its title: Dollar Cost Averaging vs Lump Sum Calculator → Dollar-cost averaging vs. lump-sum calculator
- [cosmetic] Tool “calc_debt_payoff” changed its title: Debt Payoff Calculator → Debt payoff calculator
- [cosmetic] Tool “calc_emergency_fund” changed its title: Emergency Fund Calculator → Emergency fund calculator
- [cosmetic] Tool “calc_fire” changed its title: Financial Independence (FIRE) Calculator → Financial independence (FIRE) calculator
- [cosmetic] Tool “calc_impermanent_loss” changed its title: Impermanent Loss Calculator → Impermanent loss calculator
- [cosmetic] Tool “calc_inflation” changed its title: Inflation Calculator → Inflation calculator
- [cosmetic] Tool “calc_investment_return” changed its title: Investment Return Calculator → Investment return calculator
- [cosmetic] Tool “calc_mortgage” changed its title: PITI Mortgage Calculator → PITI mortgage calculator
- [cosmetic] Tool “calc_net_worth” changed its title: Net Worth Calculator → Net worth calculator
- [cosmetic] Tool “calc_paycheck” changed its title: Paycheck Calculator → Paycheck calculator
- [cosmetic] Tool “calc_portfolio_allocation” changed its title: Portfolio Allocation Calculator → Portfolio allocation calculator
- [cosmetic] Tool “calc_retirement” changed its title: Retirement Calculator → Retirement calculator
- [cosmetic] Tool “calc_savings_goal” changed its title: Savings Goal Calculator → Savings goal calculator
- [cosmetic] Tool “calc_subscription_cost” changed its title: Subscription Cost Calculator → Subscription cost calculator

## MCP tools (22)

### `search_public_docs` (~53 tokens)

Search Public Documents

Use this when an agent needs to search BetterOff public product, pricing, trust, or calculator documents. Do not use it for customer, household, account, or personalized financial data.

Input parameters:

- `query` (string, required)

### `get_pricing` (~36 tokens)

Get Pricing

Use this when an agent needs BetterOff's canonical public pricing facts and assumptions. Do not use it for customer billing or account data.

### `get_feature_details` (~44 tokens)

Get Feature Details

Use this when an agent needs public details about one BetterOff feature from the allow-listed corpus. Do not use it for authenticated product state.

Input parameters:

- `feature` (string, required)

### `list_public_calculators` (~56 tokens)

List Public Calculators

Use this to discover BetterOff's free public calculators before choosing one. Results contain canonical URLs and never access customer data.

Input parameters:

- `category` (string)
- `limit` (integer)
- `query` (string)

### `get_public_calculator_contract` (~43 tokens)

Get Public Calculator Contract

Use this before running a calculator to retrieve its exact bounded input schema, output schema, methodology, assumptions, and canonical source.

Input parameters:

- `calculator` (string, required)

### `run_public_calculator` (~54 tokens)

Run Public Calculator

Use this when an agent needs to run one free public BetterOff calculator with bounded JSON input. Results are educational calculations, not personalized financial advice.

Input parameters:

- `calculator` (string, required)
- `inputJson` (string, required)

### `compare_public_scenarios` (~62 tokens)

Compare Public Scenarios

Use this when an agent needs to run two inputs through the same free public calculator. Returns both results without ranking or personalized advice.

Input parameters:

- `calculator` (string, required)
- `firstInputJson` (string, required)
- `secondInputJson` (string, required)

### `calc_debt_payoff` (~91 tokens)

Debt payoff calculator

Read-only educational calculator. Runs debt payoff projections across multiple debts using avalanche or snowball strategy and extra monthly payment. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

Input parameters:

- `debts` (array): Debts
- `extraPayment` (number): Extra monthly payment
- `strategy` (string): Strategy

### `calc_emergency_fund` (~196 tokens)

Emergency fund calculator

Read-only educational calculator. Calculates emergency fund target from monthly expenses and coverage months, tracks progress, and estimates time-to-goal. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

Input parameters:

- `currentSavings` (number): Current emergency savings
- `insuranceDeductibleReserve` (number): Insurance deductible reserve: Optional reserve for the largest likely health, home, or auto deductible not already in monthly expenses.
- `monthlyExpenses` (number): Monthly essential expenses: Housing, food, utilities, insurance, debt minimums.
- `monthlySavingsRate` (number): Monthly savings rate: Amount directed toward this goal each month.
- `monthsCoverage`: Months of coverage
- `variableIncomeBufferMonths` (number): Extra variable-income buffer (months): Optional additional coverage for commissions, contract work, seasonal income, or a single-income household.

### `calc_fire` (~239 tokens)

Financial independence (FIRE) calculator

Read-only educational calculator. Estimates financial independence target from annual expenses, withdrawal rate, current savings, monthly investment, and return assumptions. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

Input parameters:

- `annualContributionGrowthPct` (number): Annual investment growth (%): Annual increase in the monthly investment amount.
- `annualExpenses` (number): Annual expenses: Yearly spending to sustain after retirement.
- `annualFeePct` (number): Annual investment fees (%): Deducted from the assumed return.
- `annualReturnPct` (number): Expected annual return (%): Pre-inflation return on invested assets.
- `currentSavings` (number): Current invested assets
- `inflationRatePct` (number): Inflation rate (%)
- `monthlyInvestment` (number): Monthly investment
- `otherAnnualIncome` (number): Other annual retirement income: Pension, Social Security, or work income that reduces expenses funded by the portfolio.
- `projectionMode` (string): Projection mode
- `withdrawalRatePct` (number): Safe withdrawal rate (%): Percentage of portfolio withdrawn annually in retirement.

### `calc_paycheck` (~277 tokens)

Paycheck calculator

Read-only educational calculator. Estimates 2026 take-home pay from salary or hourly wages, pay frequency, filing status, state, W-4 settings, FICA, and pre-tax deductions. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

Input parameters:

- `dependentsCreditAnnual` (number): W-4 Step 3 credits
- `extraWithholdingPerPaycheck` (number): Extra withholding per paycheck
- `filingStatus` (string): Filing status
- `grossAnnual` (number): Annual salary
- `healthPremiumPerPaycheck` (number): Health premiums per paycheck
- `hourlyRate` (number): Hourly rate
- `hoursPerWeek` (number): Hours per week
- `hsaPerPaycheck` (number): HSA or other pre-tax benefits
- `incomeMode` (string): Pay type
- `multipleJobs` (boolean): W-4 multiple-jobs checkbox
- `payFrequency` (string): Pay frequency
- `retirement401kPct` (number): 401(k) contribution: Traditional pre-tax contribution as a percentage of gross pay.
- `stateCode` (string): State
- `stateRatePct` (number): Estimated state rate: Used for states without a dated calculator profile.

### `calc_net_worth` (~109 tokens)

Net worth calculator

Read-only educational calculator. Calculates net worth from asset and debt entries, plus liquid net worth and debt percentage of assets. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

Input parameters:

- `asOfDate` (string): Snapshot date: Date the overall snapshot represents. Add source and valuation date to each item where available.
- `assets` (array): Asset categories
- `debts` (array): Debt categories

### `calc_savings_goal` (~167 tokens)

Savings Goal Calculator: Weekly Savings

Read-only educational calculator. Calculates a savings-goal timeline, required monthly savings, and weekly equivalent from a target, current balance, return, and deadline. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

Input parameters:

- `annualFeePct` (number): Annual fees (%): Deducted from the assumed annual return.
- `annualReturnPct` (number): Annual return (%): Nominal pre-inflation return.
- `currentSavings` (number): Current savings
- `goalAmount` (number): Goal amount
- `mode` (string)
- `monthlyContribution` (number): Monthly contribution
- `targetMonths` (integer): Target timeline (months): Used to calculate required monthly contribution.

### `calc_retirement` (~283 tokens)

Retirement calculator

Read-only educational calculator. Projects retirement savings from age, contributions, return assumptions, and income target, returns the year-by-year balance at each age, then estimates the gap using a 4% withdrawal assumption. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

Input parameters:

- `annualContributionGrowthPct` (number): Annual contribution growth (%): Increase applied to monthly contributions after each projection year.
- `annualFeePct` (number): Annual investment fees (%): Deducted from the assumed annual return.
- `annualReturnPct` (number): Expected annual return (%): Nominal annual return before inflation.
- `currentAge` (integer): Current age
- `currentSavings` (number): Current retirement savings
- `desiredMonthlyIncome` (number): Desired retirement income: Monthly income target in retirement.
- `displayMode` (string): Projection mode
- `inflationRatePct` (number): Inflation rate (%)
- `monthlyContribution` (number): Monthly contribution
- `otherMonthlyIncome` (number): Other monthly retirement income: Expected Social Security, pension, or other income that reduces the amount the portfolio must provide.
- `retirementAge` (integer): Retirement age
- `withdrawalRatePct` (number): Withdrawal-rate assumption (%): Planning assumption only; it is not guaranteed to be safe.

### `calc_subscription_cost` (~101 tokens)

Subscription Cost Calculator: Monthly & Annual

Read-only educational calculator. Normalizes mixed-interval subscriptions into monthly-equivalent costs, ranks by impact, and computes triage savings, category totals, and future-price scenarios. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

Input parameters:

- `opportunityHorizonYears` (integer)
- `opportunityReturnPct` (number)
- `subscriptions` (array): Subscriptions

### `calc_compound_interest` (~172 tokens)

Compound interest calculator

Read-only educational calculator. Calculates compound interest from principal, monthly contributions, annual return, years, and annual, monthly, weekly, or daily compounding. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

Input parameters:

- `annualFeePct` (number): Annual fees (%): Deducted from the assumed annual return.
- `annualRatePct` (number): Annual return (%): Nominal, before inflation.
- `compoundingFrequency`: Compounding frequency
- `contributionTiming` (string): Contribution timing: Whether each monthly contribution is added before or after that month's growth.
- `monthlyContribution` (number): Monthly contribution
- `principal` (number): Initial principal
- `years` (integer): Time horizon (years)

### `calc_dca` (~277 tokens)

Dollar-cost averaging vs. lump-sum calculator

Read-only educational calculator. Compares dollar-cost averaging versus lump-sum investing across market scenarios with configurable cadence and horizon. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

Input parameters:

- `cadence` (string): Contribution cadence: How often the calculator makes an equal DCA purchase.
- `cashYieldPct` (number): Annual yield on uninvested cash: Yield earned while cash waits for later DCA purchases.
- `endPrice` (number): End price: The price used to value both strategies at the end.
- `feePerPurchase` (number): Fee per purchase: A flat trading fee deducted from every scheduled purchase.
- `horizonYears` (number): Horizon (years): How long DCA takes to invest the full amount.
- `scenario` (string): Market scenario: A simplified price path for comparison, not a market forecast.
- `startPrice` (number): Start price: The price used for the lump-sum purchase and the first DCA purchase.
- `totalInvestment` (number): Total investment: The same total is invested all at once or divided across the DCA schedule.
- `volatilityPct` (number): Illustrative path swing (%): Controls a deterministic sine-shaped price swing. It is not statistical volatility or a forecast.

### `calc_investment_return` (~154 tokens)

Investment return calculator

Read-only educational calculator. Calculates total return, annualized return (CAGR), and dollar gain from initial investment, final value, years, and dividends. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

Input parameters:

- `dividendsReceived` (number): Dividends received: Cumulative cash dividends over the holding period.
- `feesPaid` (number): Fees paid: Cumulative fees not already reflected in the ending value.
- `finalValue` (number): Final value: Market value at the end of the holding period.
- `initialInvestment` (number): Initial investment
- `years` (number): Holding period (years)

### `calc_portfolio_allocation` (~152 tokens)

Portfolio allocation calculator

Read-only educational calculator. Calculates an illustrative portfolio allocation across U.S. stocks, international stocks, bonds, and cash based on years to retirement and risk tolerance. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

Input parameters:

- `currentAge` (integer): Current age
- `portfolioValue` (number): Portfolio value: Your current invested assets.
- `retirementAge` (integer): Retirement age
- `riskCapacity` (string): Capacity to absorb losses: Financial ability to tolerate losses, separate from willingness to take risk. The more conservative of the two governs the illustration.
- `riskTolerance` (string): Risk tolerance

### `calc_mortgage` (~281 tokens)

PITI mortgage calculator

Read-only educational calculator. Calculates monthly PITI mortgage payment, total interest, total cost, and builds amortization schedule from home price, down payment, rate, and term. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

Input parameters:

- `annualInsurance` (number): Annual insurance
- `annualPmiRatePct` (number): Annual PMI rate (%): Applies when the down payment is under 20%; use the rate from a loan estimate when available.
- `annualRatePct` (number): Interest rate (%): Fixed annual note rate before fees.
- `annualTax` (number): Annual property tax
- `closingCosts` (number): Closing costs: Upfront lender and transaction costs, excluding the down payment.
- `downPaymentPct` (number): Down payment (%): Percentage of home price paid upfront as equity.
- `extraPrincipalMonthly` (number): Extra principal each month: Additional principal payment used to shorten payoff and reduce interest.
- `homePrice` (number): Home price
- `loanTermYears` (integer): Loan term (years)
- `monthlyHOA` (number): Monthly HOA: Monthly homeowners association fee, if applicable.
- `monthlyMaintenance` (number): Monthly maintenance reserve: Optional owner-paid maintenance budget; not part of PITI.

### `calc_impermanent_loss` (~148 tokens)

Impermanent loss calculator

Read-only educational calculator. Estimates impermanent loss from initial investment and token price multipliers in a 50/50 constant-product AMM. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

Input parameters:

- `initialInvestment` (number): Initial capital
- `priceChangeA` (number): Token A price multiplier: 1.0 = unchanged, 2.0 = doubled, 0.5 = halved.
- `priceChangeB` (number): Token B price multiplier: 1.0 = unchanged, 2.0 = doubled, 0.5 = halved.

### `calc_inflation` (~126 tokens)

Inflation calculator

Read-only educational calculator. Projects purchasing power erosion from a present amount, year horizon, and annual inflation rate percent. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

Input parameters:

- `amount` (number): Current amount
- `categoryRates` (array): Optional category assumptions: Weighted household categories override the single general rate when supplied.
- `inflationRatePct` (number): Annual inflation rate (%): This calculator assumes the same rate every year.
- `years` (integer): Time horizon (years)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/finance-betteroff-public/betteroff#diagnostics

## Score history

- 2026-09-20: 26
- 2026-09-19: 26
- 2026-09-18: 26
- 2026-09-17: 26
- 2026-09-16: 26
- 2026-09-15: 26
- 2026-09-14: 26
- 2026-09-13: 26
- 2026-09-12: 26
- 2026-09-11: 26
- 2026-09-10: 26
- 2026-09-09: 26
- 2026-09-08: 26
- 2026-09-07: 26
- 2026-09-06: 26
- 2026-09-05: 26
- 2026-09-04: 79
- 2026-09-03: 79
- 2026-09-02: 78
- 2026-09-01: 78
- 2026-08-31: 77
- 2026-08-30: 77
- 2026-08-29: 76
- 2026-08-28: 76

## Common questions

### What is the BetterOff MCP server?

BetterOff is an MCP server listed in the public MCP registry as finance.betteroff/public. Anonymous public tools for BetterOff. See the published agent boundary before use. This page covers its hosted endpoint (https://betteroff.finance/mcp).

### Is the BetterOff MCP server safe to use?

BetterOff scores 26 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the BetterOff MCP server expose?

BetterOff exposes 22 tools: search_public_docs, get_pricing, get_feature_details, list_public_calculators, get_public_calculator_contract, and 17 more. Their descriptions and schemas cost roughly 3,121 tokens of context every time the server is loaded.

### Does the BetterOff MCP server require authentication?

No. We connected to BetterOff without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the BetterOff MCP server still maintained?

BetterOff is still listed as active in the MCP registry. We last reached this channel on 20 September 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://betteroff.finance/mcp
- Changelog RSS feed: https://verifymcp.io/servers/finance-betteroff-public/betteroff.xml
- Changelog JSON feed: https://verifymcp.io/servers/finance-betteroff-public/betteroff.json
- HTML version of this page: https://verifymcp.io/servers/finance-betteroff-public/betteroff