Senaro MCP MCP server

Senaro is a free, 100% client-side personal finance calculator that runs as an MCP server. It allows AI assistants to perform precise financial calculations for credit card payoff, mortgages, refinancing, rent versus buy, and debt consolidation without requiring API keys or sign-ups, ensuring user data never leaves the device.

Endpoint and access

No sign-in: your client connects and lists tools immediately, with no account or key.

No sign-inEndpoint checked 2026-10-05Operated by Senaro

MCP endpoint (Streamable HTTP)

https://mcp.senaro.ai/mcp

Vendor documentation

What you can do with it

Calculate credit card payoff timelines and interest savings
Compare mortgage and refinance options
Analyze rent versus buy scenarios
Model debt consolidation strategies

Tools advertised by the last live check:

analyze_cash_advance
analyze_pmi_removal
calculate_cc_payoff
calculate_compound_interest
calculate_debt_to_income
calculate_emergency_fund
calculate_loan_payoff
calculate_opportunity_cost
calculate_refi_breakeven
calculate_runway
compare_debt_consolidation
compare_mortgage_terms
compare_payoff_strategies
compare_payoff_vs_invest
compare_rent_vs_buy
list_defaults
optimize_401k_match
server_info

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers a Streamable HTTP server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

claude mcp add --transport http senaro-mcp https://mcp.senaro.ai/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add senaro-mcp --url https://mcp.senaro.ai/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable senaro-mcp in your MCP settings.

Cursor configuration

{
  "mcpServers": {
    "senaro-mcp": {
      "url": "https://mcp.senaro.ai/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure). The type must be streamableHttp for a remote HTTP server.

Cline configuration

{
  "mcpServers": {
    "senaro-mcp": {
      "type": "streamableHttp",
      "url": "https://mcp.senaro.ai/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start senaro-mcp and inspect its tools.

VS Code configuration

{
  "servers": {
    "senaro-mcp": {
      "type": "http",
      "url": "https://mcp.senaro.ai/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

gemini mcp add --transport http senaro-mcp https://mcp.senaro.ai/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.

Claude Desktop configuration

{
  "mcpServers": {
    "senaro-mcp": {
      "url": "https://mcp.senaro.ai/mcp"
    }
  }
}

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

{
  "mcpServers": {
    "senaro-mcp": {
      "serverUrl": "https://mcp.senaro.ai/mcp"
    }
  }
}

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