Senaro Personal Finance

Calculation, not advice. Verify with a professional before acting. Deep analysis of a single card's cash advance showing payment allocation, CA interest cost, CA payoff months, and whether the CA is growing. Pick this over `calculate_cc_payoff` when one card's cash advance is the question: it shows how the CARD Act above-minimum allocation rule, 15 U.S.C. §1666c(b)(1), sends payment above the mini

Calculation, not advice. Verify with a professional before acting. Compute every standard PMI-removal pathway: - HPA automatic at 78% LTV - HPA borrower-requested at 80% LTV - optional re-appraisal at a simplified 75% of current market value; the actual Fannie Mae ceiling is seasoning- and property-type-dependent, 75% for a one-unit home seasoned two to five years, 80% for five-plus, and 70% for

Calculation, not advice. Verify with a professional before acting. Calculate credit card payoff timeline with month-by-month amortization. Pick this for a payoff timeline across credit cards under one strategy, including windfalls or fixed payments; pick `compare_payoff_strategies` to compare avalanche against snowball, `calculate_loan_payoff` for a single installment loan, and `analyze_cash_advan

Calculation, not advice. Verify with a professional before acting. Standard compound interest calculator. Returns future value, total contributions, interest earned, effective annual rate, and milestones. Pick this for a balance that grows with contributions. Pick `calculate_opportunity_cost` when the money is recurring spending being priced against investing, and `calculate_loan_payoff` when the

Calculation, not advice. Verify with a professional before acting. Calculate your debt-to-income ratio and check qualification for conventional, FHA, VA, and USDA mortgage programs. Accepts existing debts and an optional proposed new debt or home price. Pick this to measure DTI ratios and mortgage-program qualification against existing debts; pick `compare_debt_consolidation` when the question is

Calculation, not advice. Verify with a professional before acting. Size an emergency fund target based on the borrower's monthly essential expenses, job stability, dependents, and income redundancy. Returns a tier breakdown (minimum, target, conservative; the target row is omitted when it equals the 3-month minimum, and the conservative row is omitted when it equals the 12-month ceiling), the gap

Calculation, not advice. Verify with a professional before acting. Standard amortizing loan calculator. Pick this for a single fixed-rate installment loan (mortgage, auto, student, personal) with one amortization schedule; pick `calculate_cc_payoff` for a credit card, which carries revolving balances, multiple APR segments, and a snowball or avalanche strategy this tool does not model. Returns:

Calculation, not advice. Verify with a professional before acting. Calculate the true cost of recurring spending by showing what that money would be worth if invested. Pick this when the input is recurring spending. Pick `calculate_compound_interest` when the input is a balance and its contributions with no spending to price, and `compare_payoff_vs_invest` when the alternative to investing is payi

Calculation, not advice. Verify with a professional before acting. Deterministic mortgage refinance break-even analysis. Given your current loan (balance, rate, remaining term) and a refinance offer (new rate, new term, closing costs, optional points), computes: - monthly P&I savings; - the cash-flow break-even month (Senaro's formula: total refinance cost divided by monthly savings, rounded up t

Calculation, not advice. Verify with a professional before acting. Deterministic cash-runway calculator. Given your liquid savings, monthly essential expenses, optional ongoing inflows (partner income, side income, severance paid as a monthly stream, unemployment benefits), and an optional expense-inflation rate, computes how many months the fund lasts before it hits zero, plus a month-by-month dr

Calculation, not advice. Verify with a professional before acting. Compares keeping cards vs. consolidation loan vs. optional balance transfer offers (single offer or head-to-head multi-offer comparison via bt_offers[]). Supports partial balance transfers via bt_transfer_limit: transfers only up to that dollar amount (choosing cards by highest APR, highest balance, or manually), then runs a combi

Calculation, not advice. Verify with a professional before acting. Compare two fixed-rate mortgage options side-by-side: - 15 vs 30 year, - different rates, - points vs no points, or - any two terms. Shows total interest, monthly payment breakdown (with tax, insurance, PMI, HOA), equity buildup, and, critically, what happens if you take the cheaper mortgage and invest the monthly savings. Finds

Calculation, not advice. Verify with a professional before acting. Compare avalanche and snowball payoff strategies side-by-side. Pick this to compare avalanche against snowball ordering on the same set of cards; pick `calculate_cc_payoff` once a strategy is chosen and the need is a single payoff timeline with windfalls or fixed payments. Returns months, total interest, payoff order, savings, tot

Calculation, not advice. Verify with a professional before acting. Compares the guaranteed return of debt payoff against expected investment returns over a time horizon. Accounts for post-payoff investing, optionally taxes the investment gain once at the horizon (this needs filing_status and annual_gross_income), and finds the break-even investment return rate. Works for credit cards, auto loans,

Calculation, not advice. Verify with a professional before acting. Deterministic rent-vs-buy decision model. Given a home price, monthly rent, and mortgage rate, computes the breakeven month (when BUY net worth first equals or exceeds RENT net worth), per-horizon net-worth comparison (years 5, 10, 30 + user horizon), and the full year-by-year cost/wealth series for both paths. Includes carrying c

Calculation, not advice. Verify with a professional before acting. Returns named default values used by Senaro Finance tools with source citations. Use before calling other tools to understand what assumptions apply automatically. This tool does not accept an 'output' parameter; it always returns inline JSON. JSON parameters (all optional): - category: string. Filter entries by category: the c

Calculation, not advice. Verify with a professional before acting. Deterministic 401(k) employer-match optimizer. Given your annual salary, pay frequency, current contribution percent, and your employer's match formula (as a named preset or a custom tier list), computes: - the annual match you receive today; - the maximum match available (full match entitlement); - the match forfeited at your cur

Calculation, not advice. Verify with a professional before acting. Returns metadata about the running Senaro MCP server: version, contract version, build commit, build timestamp, and the full list of supported tools. Call this once per session before drafting any content to verify the running process is not stale after a deploy. Idempotent, no side effects, < 50 ms. If server_version is below the