Compound Mint MCP
An official MCP server operated by Compound Mint that exposes personal finance calculators such as compound interest, FIRE, debt payoff, and budget tools to AI assistants via a free, unauthenticated endpoint.
Endpoint and access
No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.
https://compoundmint.com/wp-json/mint/v1/mcpWhat you can do with it
- Calculate compound interest growth
- Determine FIRE number and retirement age
- Calculate debt payoff timelines
- Plan holiday budgets
Source and maintenance
Protocol and capabilities
- Server
- compoundmint-money-calculator 1.2.0
- MCP protocol
- 2025-06-18
- Tools
- 12 advertised
- Resources
- 9 advertised
- Resource templates
- 1 advertised
- Prompts
- 5 advertised
{
"tools": {
"listChanged": false
},
"prompts": {
"listChanged": false
},
"resources": {
"subscribe": false,
"listChanged": false
}
}Server-provided instructions
Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.
Tools
12 advertised
answer_money_question — Answer a money question
Use first when a user asks a money math question in plain words, such as "how much will $500 a month grow in 20 years?", "when can I retire if I spend $40,000 a year?", "how long to pay off $5,000 on my credit card at 24% paying $200 a month?", "how much do I need to save each month to have $50,000 in 5 years?", "how long to double my money at 8%?" or "am I getting my full 401(k) match?". Reads the amounts, rates, ages and years from the question, picks the matching Compound Mint calculator (compound interest, Rule of 72, FIRE number, Coast FIRE, 401(k) match, debt payoff, savings goal), runs it and returns the answer with what it understood, the explanation, the assumptions, source_page to cite and related_reading. When a needed number is missing it returns status need_more_info with the exact question to ask the user.
{
"type": "object",
"required": [
"question"
],
"properties": {
"question": {
"type": "string",
"description": "The money question in plain words, with any amounts, rates, ages and years, e.g. \"How much will $500 a month grow in 20 years at 8%?\""
}
}
}{
"title": "Answer a money question",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}calculate_compound_interest — Compound interest calculator
Use when a user asks how much money will grow, e.g. "how much will $500 a month grow in 20 years?", "what will $10,000 be worth in 10 years at 7%?" or "how much interest will I earn?". Future value of a starting amount plus optional monthly contributions at a yearly rate, with total contributed and total interest. Compounding is monthly by default (annually, quarterly, semiannually or daily on request). Returns a plain-English explanation, the assumptions and the matching Compound Mint calculator page. Example: $10,000 at 7% for 10 years compounded annually = $19,671.51.
{
"type": "object",
"required": [
"years"
],
"properties": {
"years": {
"type": "number",
"maximum": 100,
"minimum": 0.0833,
"description": "Years, up to 100."
},
"principal": {
"type": "number",
"minimum": 0,
"description": "Starting amount in USD (default 0)."
},
"annual_rate": {
"type": "number",
"maximum": 50,
"minimum": 0,
"description": "Yearly rate in percent, e.g. 7 (default 8)."
},
"compounding": {
"enum": [
"monthly",
"annually",
"quarterly",
"semiannually",
"daily"
],
"type": "string",
"description": "How often interest compounds (default monthly)."
},
"show_yearly": {
"type": "boolean",
"description": "Include a year by year table."
},
"contribution_timing": {
"enum": [
"end",
"beginning"
],
"type": "string",
"description": "Deposits at the end (default) or beginning of each month."
},
"monthly_contribution": {
"type": "number",
"minimum": 0,
"description": "USD added every month (default 0)."
}
}
}{
"title": "Compound interest calculator",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}rule_of_72 — Rule of 72 (years to double money)
Use when a user asks how long it takes to double money ("how long to double my money at 8%?") or what return doubles it in a number of years. How long money takes to double at a yearly rate (send annual_rate), or the rate needed to double in a number of years (send years). Gives the Rule of 72 estimate and the exact figure. Example: at 8% money doubles in about 9 years.
{
"type": "object",
"properties": {
"years": {
"type": "number",
"maximum": 200,
"minimum": 0.1,
"description": "Years to double, to get the rate needed."
},
"annual_rate": {
"type": "number",
"maximum": 100,
"minimum": 0.01,
"description": "Yearly return in percent, e.g. 8."
}
}
}{
"title": "Rule of 72 (years to double money)",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}calculate_coast_fire — Coast FIRE calculator
Use when a user asks about Coast FIRE, e.g. "what is my Coast FIRE number at 30?" or "can I stop saving for retirement and let it grow?". FIRE number (yearly spending / withdrawal rate) and Coast FIRE number: what you need invested now so growth alone reaches your FIRE number by retirement age. Add current savings and a monthly contribution to see the gap and the age you reach Coast FIRE. Uses a real (after inflation) return, 7% by default; same math as the Compound Mint Coast FIRE calculator.
{
"type": "object",
"required": [
"current_age",
"retirement_age"
],
"properties": {
"current_age": {
"type": "number",
"description": "Age now."
},
"fire_number": {
"type": "number",
"description": "Total needed to retire in USD (instead of annual_spending)."
},
"annual_return": {
"type": "number",
"description": "Real yearly return percent after inflation (default 7)."
},
"retirement_age": {
"type": "number",
"description": "Age you want to retire."
},
"annual_spending": {
"type": "number",
"description": "Yearly spending in retirement in today's USD (or send fire_number)."
},
"current_savings": {
"type": "number",
"description": "USD invested now (default 0)."
},
"withdrawal_rate": {
"type": "number",
"description": "Safe withdrawal rate percent (default 4)."
},
"monthly_contribution": {
"type": "number",
"description": "USD invested each month (default 0)."
}
}
}{
"title": "Coast FIRE calculator",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}calculate_fire_number — FIRE number and when you can retire
Use when a user asks when they can retire or how much they need to retire, e.g. "when can I retire if I invest $1,500 a month?", "what is my FIRE number if I spend $40,000 a year?" or "how many years until I can stop working?". Returns the FIRE number (yearly spending / withdrawal rate, 25 times spending at 4%) and, from current savings and a monthly contribution, the months and years to reach it and the age if current_age is given. Uses a real (after inflation) return, 7% by default; same math as the Compound Mint FIRE number calculator.
{
"type": "object",
"properties": {
"current_age": {
"type": "number",
"description": "Optional age now, to show the age you reach it."
},
"fire_number": {
"type": "number",
"description": "Total needed to retire in USD (instead of annual_spending)."
},
"annual_return": {
"type": "number",
"description": "Real yearly return percent after inflation (default 7)."
},
"annual_spending": {
"type": "number",
"description": "Yearly spending in retirement in today's USD (or send fire_number)."
},
"current_savings": {
"type": "number",
"description": "USD invested now (default 0)."
},
"withdrawal_rate": {
"type": "number",
"description": "Safe withdrawal rate percent (default 4)."
},
"monthly_contribution": {
"type": "number",
"description": "USD invested each month (default 0)."
}
}
}{
"title": "FIRE number and when you can retire",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}calculate_holiday_budget — Holiday budget calculator
Use when a user asks how much to spend on the holidays or on Christmas gifts, e.g. "how much should I budget for Christmas?", "can I afford $50 gifts for 8 people?" or "how much do I need to save each week for the holidays?". Adds gifts (people x budget per person), travel, food and decor; returns the total, its share of monthly take-home pay, weeks of saving needed, cash by the holidays and a spend limit (spend this, not more), plus the per-person gift budget that fits. Same math as the compoundmint.com holiday budget calculator. Educational only, not financial advice.
{
"type": "object",
"required": [
"people",
"per_person_budget"
],
"properties": {
"food": {
"type": "number",
"minimum": 0,
"description": "Food and hosting in USD (default 0)."
},
"decor": {
"type": "number",
"minimum": 0,
"description": "Decor, wrapping and cards in USD (default 0)."
},
"people": {
"type": "number",
"maximum": 500,
"minimum": 0,
"description": "People on the gift list."
},
"travel": {
"type": "number",
"minimum": 0,
"description": "Travel in USD (default 0)."
},
"weeks_left": {
"type": "number",
"maximum": 104,
"minimum": 0,
"description": "Weeks until the holidays (default: full weeks until December 25)."
},
"already_saved": {
"type": "number",
"minimum": 0,
"description": "USD already saved for the holidays (default 0)."
},
"monthly_income": {
"type": "number",
"minimum": 0,
"description": "Monthly take-home pay in USD (optional, for the percent of income)."
},
"weekly_savings": {
"type": "number",
"minimum": 0,
"description": "USD you can save each week (default 0)."
},
"per_person_budget": {
"type": "number",
"minimum": 0,
"description": "Gift budget per person in USD."
}
}
}{
"title": "Holiday budget calculator",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}calculate_401k_match — 401(k) employer match calculator
Use when a user asks about a 401(k) employer match, e.g. "am I getting my full 401(k) match?", "how much is my employer match worth?" or "what percent should I put in to get the full match?". Your yearly 401(k) contribution, the employer match, the percent needed for the full match and any match left unclaimed, using 2026 IRS limits ($24,500 employee, catch-up at 50 and over and at 60 to 63, $72,000 overall, $360,000 pay cap). Supports a two tier formula such as 100% up to 3% then 50% of the next 2%. Optional years and annual_return project the balance.
{
"type": "object",
"required": [
"salary",
"contribution_percent"
],
"properties": {
"age": {
"type": "number",
"description": "Optional age, for catch-up limits."
},
"years": {
"type": "number",
"description": "Optional years to project."
},
"salary": {
"type": "number",
"description": "Yearly pay in USD."
},
"annual_return": {
"type": "number",
"description": "Yearly return percent for the projection (default 7)."
},
"match_percent": {
"type": "number",
"description": "Employer match rate percent, e.g. 50 for 50 cents per dollar (default 50)."
},
"match_up_to_percent": {
"type": "number",
"description": "Percent of pay the match applies to (default 6)."
},
"tier2_match_percent": {
"type": "number",
"description": "Optional second tier match rate percent."
},
"tier2_up_to_percent": {
"type": "number",
"description": "Optional second tier size, percent of pay."
},
"contribution_percent": {
"type": "number",
"description": "Percent of pay you contribute, e.g. 4."
}
}
}{
"title": "401(k) employer match calculator",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}calculate_debt_payoff — Debt payoff calculator
Use when a user asks how long it takes to pay off a credit card or loan, what payment clears it by a date, or avalanche vs snowball, e.g. "how long to pay off $5,000 at 24% paying $200 a month?" or "what payment pays off my credit card in 2 years?". One debt: months to pay off and total interest at a monthly payment, or the payment needed to be debt free in target_months. Several debts: send debts (each with name, balance, apr, min_payment) and extra_payment to compare the avalanche and snowball methods.
{
"type": "object",
"properties": {
"apr": {
"type": "number",
"description": "Yearly interest rate percent (one debt)."
},
"debts": {
"type": "array",
"items": {
"type": "object",
"required": [
"balance",
"apr",
"min_payment"
],
"properties": {
"apr": {
"type": "number"
},
"name": {
"type": "string"
},
"balance": {
"type": "number"
},
"min_payment": {
"type": "number"
}
}
},
"description": "Several debts, up to 20."
},
"balance": {
"type": "number",
"description": "What you owe in USD (one debt)."
},
"strategy": {
"enum": [
"avalanche",
"snowball",
"compare"
],
"type": "string",
"description": "Several debts: which method (default compare)."
},
"extra_payment": {
"type": "number",
"description": "USD a month on top of all minimums (several debts)."
},
"target_months": {
"type": "number",
"description": "Months to be debt free (or send monthly_payment)."
},
"monthly_payment": {
"type": "number",
"description": "USD paid each month (or send target_months)."
}
}
}{
"title": "Debt payoff calculator",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}calculate_savings_goal — Savings goal calculator
Use when a user asks how much to save each month for a goal, e.g. "how much do I need to save each month to have $50,000 in 5 years?" or "how much a month to reach $1 million in 30 years?". Monthly amount to save to reach a target in a number of years at a yearly rate, counting money already saved. Example: $1,000,000 in 30 years at 8% needs about $671 a month.
{
"type": "object",
"required": [
"target_amount",
"years"
],
"properties": {
"years": {
"type": "number",
"description": "Years to reach it."
},
"annual_rate": {
"type": "number",
"description": "Yearly return percent (default 0, no growth)."
},
"target_amount": {
"type": "number",
"description": "Goal in USD."
},
"current_savings": {
"type": "number",
"description": "USD already saved (default 0)."
}
}
}{
"title": "Savings goal calculator",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}list_money_calculators — List Compound Mint calculators
Lists every calculator tool with its inputs, an example and its REST endpoint.
{
"type": "object",
"properties": {}
}{
"readOnlyHint": true,
"openWorldHint": false
}search — Search Compound Mint
Searches Compound Mint calculators and personal finance guides. Returns results with id, title and url; read one with fetch.
{
"type": "object",
"required": [
"query"
],
"properties": {
"query": {
"type": "string",
"description": "What to look for, e.g. coast fire or 401k match."
}
}
}{
"readOnlyHint": true,
"openWorldHint": false
}fetch — Read a Compound Mint page
Returns the text of one Compound Mint page by id (from search) or by URL.
{
"type": "object",
"required": [
"id"
],
"properties": {
"id": {
"type": "string",
"description": "An id from search, or a compoundmint.com URL."
}
}
}{
"readOnlyHint": true,
"openWorldHint": false
}Prompts
5 advertised
how_much_will_my_money_grow — How much will my money grow?
Future value of a monthly investment or a lump sum, with total contributed and interest.
- monthly_amount
- USD invested each month, for example 500
- starting_amount
- USD you start with, for example 10000
- years
- Years, for example 20 (required)
- annual_return
- Yearly return percent, for example 7
when_can_i_retire — When can I retire?
FIRE number and how many years until savings reach it.
- annual_spending
- Yearly spending in retirement in today's USD, for example 40000 (required)
- current_savings
- USD invested now, for example 50000
- monthly_investing
- USD invested each month, for example 1500
- current_age
- Age now, for example 30
pay_off_my_credit_card — How long to pay off my credit card?
Months to pay off a card or loan and the interest, or the payment needed to be debt free by a date.
- balance
- What you owe in USD, for example 5000 (required)
- apr
- APR percent, for example 24 (required)
- monthly_payment
- USD you can pay each month, for example 200
- months
- Or the months you want it paid off in, for example 24
how_much_to_save_each_month — How much do I need to save each month?
Monthly savings needed to reach a goal by a date.
- goal_amount
- Goal in USD, for example 50000 (required)
- years
- Years to reach it, for example 5 (required)
- current_savings
- USD already saved, for example 5000
- annual_rate
- Yearly rate percent, for example 4 for a high yield savings account
am_i_getting_my_401k_match — Am I getting my full 401(k) match?
Employer match, the percent needed for the full match and any match left unclaimed, with 2026 limits.
- salary
- Yearly pay in USD, for example 60000 (required)
- contribution_percent
- Percent of pay you contribute, for example 4 (required)
- match_formula
- Your plan match, for example 50% up to 6%
Resources
9 advertised
calculators — All Compound Mint money calculators
Index of every calculator with its tool name, page and resource URI.
compoundmint://calculatorscompound-interest — Compound interest calculator
How the compound interest calculator works: inputs, assumptions and a worked example.
compoundmint://calculator/compound-interestrule-of-72 — Rule of 72 (years to double money)
How the rule of 72 (years to double money) works: inputs, assumptions and a worked example.
compoundmint://calculator/rule-of-72coast-fire — Coast FIRE calculator
How the coast fire calculator works: inputs, assumptions and a worked example.
compoundmint://calculator/coast-firefire-number — FIRE number and when you can retire
How the fire number and when you can retire works: inputs, assumptions and a worked example.
compoundmint://calculator/fire-numberholiday-budget — Holiday budget calculator
How the holiday budget calculator works: inputs, assumptions and a worked example.
compoundmint://calculator/holiday-budget401k-match — 401(k) employer match calculator
How the 401(k) employer match calculator works: inputs, assumptions and a worked example.
compoundmint://calculator/401k-matchdebt-payoff — Debt payoff calculator
How the debt payoff calculator works: inputs, assumptions and a worked example.
compoundmint://calculator/debt-payoffsavings-goal — Savings goal calculator
How the savings goal calculator works: inputs, assumptions and a worked example.
compoundmint://calculator/savings-goalcalculator — A Compound Mint calculator by slug
Inputs, assumptions and a worked example for one calculator. Slugs: compound-interest, rule-of-72, coast-fire, fire-number, holiday-budget, 401k-match, debt-payoff, savings-goal.
compoundmint://calculator/{slug}30-day availability
Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.
- Successful checks
- 1 of 1 (100%)
- Average latency
- 1626 ms
- 95th percentile latency
- 1626 ms
Maintenance history
Public check and source-refresh events. Editorial and ownership records remain private.
- · probe · passed · 1626 ms · metadata changed · 12 tool(s), 9 resource(s), 1 resource template(s), 5 prompt(s)
Connect from your client
Each snippet registers the same endpoint; pick the client you use.
Claude Code
claude mcp add --transport http compound-mint-mcp https://compoundmint.com/wp-json/mint/v1/mcpCodex
codex mcp add compound-mint-mcp --url https://compoundmint.com/wp-json/mint/v1/mcpCursor
{
"mcpServers": {
"compound-mint-mcp": {
"url": "https://compoundmint.com/wp-json/mint/v1/mcp"
}
}
}Cline
{
"mcpServers": {
"compound-mint-mcp": {
"type": "streamableHttp",
"url": "https://compoundmint.com/wp-json/mint/v1/mcp",
"disabled": false
}
}
}VS Code
{
"servers": {
"compound-mint-mcp": {
"type": "http",
"url": "https://compoundmint.com/wp-json/mint/v1/mcp"
}
}
}Gemini CLI
gemini mcp add --transport http compound-mint-mcp https://compoundmint.com/wp-json/mint/v1/mcpClaude Desktop
{
"mcpServers": {
"compound-mint-mcp": {
"url": "https://compoundmint.com/wp-json/mint/v1/mcp"
}
}
}Windsurf
{
"mcpServers": {
"compound-mint-mcp": {
"serverUrl": "https://compoundmint.com/wp-json/mint/v1/mcp"
}
}
}Let your agent find its tools
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