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MCP Tools Reference

FinPlan exposes its financial engine as MCP (Model Context Protocol) tools. These are the functions your AI assistant calls on your behalf when you ask financial planning questions.

This reference documents every available tool, organized by category.

Conventions

  • Money values are in cents (integers). 100000 = $1,000.00. Responses include both _cents and _dollars fields.
  • Rates and returns are decimals. 0.07 = 7%.
  • Allocations use 0.0-1.0 for rates, 0-100 for percentages.
  • Dates use YYYY-MM-DD format.

Tool Categories

Profile & State

Create and update operations. 2 tools

Snapshots

Snapshot tools — build an immutable point-in-time facts record and diff two of them. The canonical check-in narrative template and the tools that serve and fill it. 4 tools

Accounts

Account types, allocations, ownership, and creation. 4 tools

Employer Match

Match formulas, vesting, and calculations. 3 tools

Tax

Federal income tax, capital gains, after-tax projections, and resident state and local income tax for all 50 states + DC. 12 tools

Projections

Unified projection interface and return-assumption comparison. 4 tools

Scenarios

Plan-scenario tools: create, apply, and compare scenarios against a base plan. 3 tools

Portfolio

Presets, characteristics, and glide paths. 4 tools

Goals

Create, track, and project financial goals. 5 tools

Social Security

Benefit estimation, claiming strategies, and SSA limits. 8 tools

Mortgage

Payments, amortization, and principal/interest splits. 2 tools

Required Minimum Distributions

Required Minimum Distribution (RMD) tools for retirement planning. 5 tools

Charts

Chart.js chart data for client-side rendering. 4 tools

File Management

File Management. 0 tools

Dynamic tool search meta-tool for FinPlan MCP server. 2 tools