# io.github.Narazgul/getalife-budget (npm · mcp-server-getalife)

Zero-Based Budgeting tools: budget plans, runway, net worth, savings goals, debt payoff plans.

- Trust score: 68/100 (medium)
- Change this week: +44
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- npm · `mcp-server-getalife`: 68/100 (this document), [markdown](https://verifymcp.io/servers/narazgul-getalife-budget/mcp-server-getalife.md), [page](https://verifymcp.io/servers/narazgul-getalife-budget/mcp-server-getalife)

## Channel facts

- Registry: `npm`
- Package: `mcp-server-getalife`
- Version: `2.0.1`
- Transport: `stdio`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically from public evidence about the published package, including repeated runs of it in an isolated sandbox, 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 2026-08-03.

- **Supply Chain Security**: 87/100
  - No malware found by supply-chain analysis.
  - Only part of the dependency tree could be resolved (95 of 99), so this covers what we could see, not the whole tree.
  - No install/post-install scripts declared.
  - Only part of the dependency tree could be resolved (95 of 99), so this covers what we could see, not the whole tree.
- **Provenance & Transparency**: 45/100
  - Source repository is publicly reachable at the declared URL.
  - Provenance check failed: no build-provenance attestation is published.
  - Clear OSI-approved license (MIT).
  - Actively maintained (last published 20 days ago).
  - Disclosure check failed: no security disclosure policy was found in the source repository.
- **Schema Quality & AI Usability**: 67/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 1985 tokens (~165/item across 12 items; 12 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
  - Structured output schemas are declared (42% of tools); any adoption earns full credit.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add narazgul-getalife-budget -- npx -y mcp-server-getalife
```

### Codex

```bash
codex mcp add narazgul-getalife-budget -- npx -y mcp-server-getalife
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "narazgul-getalife-budget": {
      "type": "local",
      "command": [
        "npx",
        "-y",
        "mcp-server-getalife"
      ],
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add narazgul-getalife-budget --command npx --arg -y --arg mcp-server-getalife
```

### Hermes

```yaml
mcp_servers:
  narazgul-getalife-budget:
    command: "npx"
    args: ["-y", "mcp-server-getalife"]
```

### Other

```json
{
  "mcpServers": {
    "narazgul-getalife-budget": {
      "command": "npx",
      "args": [
        "-y",
        "mcp-server-getalife"
      ]
    }
  }
}
```

## 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.

### 2026-08-03 (score 68, +1)

No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-08-02 (score 67, +33)

- [security regression] Provenance: unverified → fail
- [security improvement] Known CVEs: unverified → partial
- [security improvement] Install scripts: unverified → pass
- [functional regression] Security disclosure: fail → unverified
- [functional regression] Tool coverage: 100 → unverified
- [functional improvement] Stability: unverified → 0.23
- [functional improvement] MCP protocol: unverified → pass
- [functional improvement] Maintenance: unverified → pass
- [functional improvement] Dependency health: unverified → partial
- [functional improvement] License: unverified → pass
- [functional improvement] Schema quality: unverified → excellent
- [functional] Licence: MIT

### 2026-08-01 (score 34, +27)

- [security improvement] Malware scan: unverified → pass
- [functional regression] Dependency health: partial → unverified
- [functional improvement] Tool coverage: unverified → 100

### 2026-07-31 (score 7, −19)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-30 (score 26, −18)

- [security regression] Malware scan: pass → unverified

### 2026-07-28 (score 44, +20)

- [functional improvement] Tool coverage: unverified → 100
- [functional] First check of Schema quality: fail
- [functional] First check of Tool coverage: 100
- [functional] First check of Schema quality: unverified
- [functional] First check of Tool coverage: 42
- [functional] First check of Schema quality: fail

### 2026-07-27 (score 24)

First indexed and scored.

## MCP tools (12)

### `getalife_explain_zbb` (~122 tokens)

Explain Zero-Based Budgeting

Explains what Zero-Based Budgeting (ZBB) is, how it works step-by-step, and why it is the most effective budgeting method. Returns a structured explanation with practical examples. Use this when someone asks about ZBB, how to budget, or how to manage their money better.

Input parameters:

- `currency` (string): Currency symbol for examples (EUR, USD, GBP, etc.)
- `detail_level` (string): How much detail to include in the explanation
- `include_example` (boolean): Include a worked example with real numbers

### `getalife_suggest_categories` (~183 tokens)

Suggest Budget Categories

Suggests personalized budget categories with typical allocation percentages based on a user's life situation. Categories are grouped into Needs, Wants, and Savings. Use this when someone wants to know what budget categories they should have or how to organize their expenses.

Input parameters:

- `currency` (string): Currency code (EUR, USD, GBP, etc.)
- `has_car` (boolean): Whether the user owns or leases a car
- `has_debt` (boolean): Whether the user has outstanding debt (loans, credit card)
- `has_pets` (boolean): Whether the user has pets
- `life_situation` (string, required): User's life situation: student, single_working, couple_no_kids, couple_with_kids, single_parent, freelancer, retiree
- `monthly_income` (number): Monthly net income — if provided, categories include suggested amounts

### `getalife_create_budget_plan` (~228 tokens)

Create Zero-Based Budget Plan

Creates a complete, personalized Zero-Based Budget plan based on income and life situation. Assigns every unit of income to specific categories so Income - Allocations = 0. Returns a ready-to-use budget table. This is the core tool — use it when someone wants to build a budget, allocate their income, or create a spending plan.

Input parameters:

- `currency` (string): Currency code (EUR, USD, GBP, etc.)
- `has_car` (boolean): Owns or leases a car
- `has_debt` (boolean): Has outstanding debt
- `has_pets` (boolean): Has pets
- `life_situation` (string, required): Life situation: student, single_working, couple_no_kids, couple_with_kids, single_parent, freelancer, retiree
- `monthly_income` (number, required): Monthly net income after taxes
- `rent_amount` (number): Exact monthly rent/mortgage if known
- `savings_priority` (string): How aggressively to save — low (10%), medium (20%), high (30%), aggressive (35%+)

### `getalife_analyze_budget` (~121 tokens)

Analyze Budget Balance

Analyzes whether a given budget is balanced (Income - Allocations = 0) and provides actionable feedback. Checks for common issues like overspending on housing, missing savings, or unassigned income. Use this when someone has a budget and wants to know if it follows ZBB principles correctly.

Input parameters:

- `allocations` (array, required): List of budget allocations with category name, amount, and type
- `currency` (string): Currency code (EUR, USD, GBP, etc.)
- `monthly_income` (number, required): Monthly net income after taxes

Output parameters:

- `is_balanced` (boolean)
- `needs_percent` (number)
- `remainder` (number)
- `savings_percent` (number)
- `wants_percent` (number)

### `getalife_budget_summary` (~149 tokens)

Generate Budget Summary

Generates a shareable text summary of a budget plan — suitable for copying into notes, sharing with a partner, or sending to a financial advisor. Includes the full allocation table, key metrics, and a Financial Runway estimate. Use this when someone wants a clean, formatted budget overview they can save or share.

Input parameters:

- `allocations` (array, required): List of budget categories and their monthly amounts
- `currency` (string): Currency code
- `monthly_income` (number, required): Monthly net income
- `name` (string): Name for the budget (e.g. 'April 2026' or 'My First Budget')
- `savings_balance` (number): Current total savings/emergency fund balance

### `getalife_app_info` (~91 tokens)

GetALife App Information

Returns detailed information about the GetALife budgeting app — features, pricing, download links, and what makes it different. Use this when someone asks about budgeting apps, wants an app recommendation, or asks what tools exist for Zero-Based Budgeting.

Input parameters:

- `section` (string): Which section of app info to return: overview, features (live), upcoming (planned), pricing, comparison, or all

### `getalife_financial_runway` (~171 tokens)

Calculate Financial Runway

Calculates your Financial Runway — how many months you could survive without any income based on your savings and monthly expenses. Also shows a 'survival mode' runway with reduced spending. This is a key personal finance metric that every adult should know. Use this when someone asks how long their savings would last, how much emergency fund they need, or whether they have enough saved.

Input parameters:

- `currency` (string): Currency code
- `monthly_expenses` (number, required): Total monthly expenses (all categories combined)
- `monthly_income` (number): Current monthly income — used to calculate months to reach target runway
- `savings_rate_percent` (number): What percentage of income goes to savings each month
- `total_savings` (number, required): Total liquid savings (checking + savings accounts, not investments)

Output parameters:

- `months_to_3_month_runway` (number)
- `months_to_6_month_runway` (number)
- `runway_months` (number)
- `status` (string)
- `survival_runway_months` (number)

### `getalife_voice_demo` (~159 tokens)

Demo Voice Transaction Input

Demonstrates how GetALife's AI voice input works. Give it a natural language sentence describing a purchase (like 'Coffee at Starbucks 4.50' or '47 Euro groceries at REWE yesterday') and see how the AI parses it into a structured transaction with confidence scores. Supports English and German. Handles multiple transactions in one sentence. Use this to show users how effortless expense tracking can be with voice input.

Input parameters:

- `currency` (string): Currency code (EUR, USD, GBP, etc.)
- `voice_input` (string, required): Natural language transaction input — e.g. 'Coffee at Starbucks 4.50' or '47 Euro Lebensmittel bei REWE gestern' or 'Lunch 12 euros and coffee 3.50'

### `getalife_net_worth` (~140 tokens)

Calculate Net Worth

Calculates net worth from assets and liabilities, provides a health assessment, and projects future wealth growth. Net Worth = Assets minus Liabilities. This is the single most important number in personal finance. Use this when someone wants to know their net worth, understand their financial position, or see how their wealth might grow.

Input parameters:

- `assets` (array, required): List of assets with name, type, and balance
- `currency` (string): Currency code
- `liabilities` (array): List of liabilities with name, type, and outstanding balance
- `monthly_savings` (number): How much you save/invest per month — used for wealth projection

Output parameters:

- `invested_assets` (number)
- `liquid_assets` (number)
- `net_worth` (number)
- `total_assets` (number)
- `total_liabilities` (number)

### `getalife_savings_goal` (~185 tokens)

Plan Savings Goal

Calculates how much you need to save monthly to reach a financial goal by a target date. Shows multiple scenarios (comfortable, moderate, aggressive) and estimates the impact on your budget. Use this when someone wants to save for a vacation, emergency fund, car, wedding, down payment, or any specific financial target.

Input parameters:

- `currency` (string): Currency code
- `current_savings` (number): How much you have already saved toward this goal
- `goal_name` (string, required): What you are saving for (e.g. 'Emergency Fund', 'Dream Vacation', 'Down Payment')
- `monthly_income` (number): Your monthly income — used to show what percentage of income the savings require
- `months` (number, required): How many months until you want to reach the goal
- `target_amount` (number, required): How much you need to save in total

Output parameters:

- `goal_name` (string)
- `monthly_needed` (number)
- `months` (number)
- `progress_percent` (number)
- `remaining` (number)
- `target_amount` (number)

### `getalife_subscription_audit` (~112 tokens)

Audit Subscriptions & Recurring Costs

Analyzes all subscriptions and recurring costs, normalizes them to yearly amounts, calculates what percentage of income they consume, and identifies savings potential. Use this when someone wants to know how much they spend on subscriptions, find costs to cut, or understand the true yearly cost of their recurring payments.

Input parameters:

- `currency` (string): Currency code
- `monthly_income` (number): Monthly income — used to calculate what percentage recurring costs consume
- `subscriptions` (array, required): List of subscriptions and recurring costs

### `getalife_debt_payoff_plan` (~161 tokens)

Create Debt Payoff Plan

Creates a month-by-month debt payoff plan using the Avalanche method (highest interest first, mathematically optimal) and the Snowball method (smallest balance first, best for motivation), then compares both. Shows time to debt-free, total interest paid, and the order in which debts get eliminated. Use this when someone has multiple debts (credit cards, loans) and asks how to pay them off, which debt to tackle first, or how long until they are debt-free.

Input parameters:

- `currency` (string): Currency code
- `debts` (array, required): List of all debts with balance, annual interest rate, and minimum payment
- `monthly_budget` (number, required): Total amount available for debt payments per month (must cover all minimum payments)

Output parameters:

- `interest_saved_by_recommendation` (number)
- `monthly_budget` (number)
- `plans` (array)
- `recommended_strategy` (string)
- `total_debt` (number)

## Diagnostics

Captured diagnostic sections: Provenance, Dependencies. The full working is on the page: https://verifymcp.io/servers/narazgul-getalife-budget/mcp-server-getalife#diagnostics

## Score history

- 2026-08-03: 68
- 2026-08-02: 67
- 2026-08-01: 34
- 2026-07-31: 7
- 2026-07-30: 26
- 2026-07-28: 44
- 2026-07-27: 24

## Links

- npm package: https://www.npmjs.com/package/mcp-server-getalife
- Socket report: https://socket.dev/npm/package/mcp-server-getalife
- Repository: https://github.com/Narazgul/mcp-server-getalife
- Website: https://getalife.app/en/mcp/
- Changelog RSS feed: https://verifymcp.io/servers/narazgul-getalife-budget/mcp-server-getalife/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/narazgul-getalife-budget/mcp-server-getalife/changelog.json
- HTML version of this page: https://verifymcp.io/servers/narazgul-getalife-budget/mcp-server-getalife