# Numeratica — financial planning calculations

Connect Claude Code to Numeratica’s financial API for retirement, tax and benefit calculations. Without an API key, you can browse the tool catalogue.

- MCP server · `type=mcp` · Claude Code, Codex, Cursor, GitHub Copilot, Windsurf (Devin Desktop), Cline, Zed, Gemini CLI
- Author: numeratica
- License: MIT · policy=link-only · description only; the file stays with the author
- Source: https://github.com/numeratica/mcp
- Updated: 2026-07-28
- HTML: https://affpapa.org/en/nevibecode/mcp/numeratica-financial-planning-calculations

## What it does

Numeratica forwards MCP requests to the financial-planning API and returns its responses to the client. Available calculations cover retirement Monte Carlo, Roth conversions, required minimum distributions (RMDs), taxes, IRMAA and Social Security. The server handles transport; the API supplies the calculation logic.

The client runs the package with `npx`, and Node.js 20 or later is required. Browsing the catalogue works without a key, but calculations require a free `NUMERATICA_API_KEY`. The key travels in the authorization header and is not logged. To add the server to Claude Code with a key, run:

## Requirements
- Needs: Node.js (commands run via npx)
- Remote server: `https://api.numeratica.com/mcp`
- Environment variables: `NUMERATICA_API_KEY`, `NUMERATICA_BASE_URL`, `NUMERATICA_TIMEOUT_MS` — keys and tokens: ask the human for the values, never commit them or put them in shared files.

## Install

### Claude Code (native platform)

1. **Platform CLI**
```bash
claude mcp add --env NUMERATICA_API_KEY=<NUMERATICA_API_KEY> --env NUMERATICA_BASE_URL=<NUMERATICA_BASE_URL> --env NUMERATICA_TIMEOUT_MS=<NUMERATICA_TIMEOUT_MS> --transport stdio numeratica-financial-planning-calculations -- npx -y @numeratica/mcp
```
Replace <…> with your own values

2. **Platform CLI: remote server**
```bash
claude mcp add --transport http numeratica-financial-planning-calculations https://api.numeratica.com/mcp
```

### Codex

1. **Platform CLI: remote server**
```bash
codex mcp add numeratica-financial-planning-calculations --url https://api.numeratica.com/mcp
```

2. **Platform CLI**
```bash
codex mcp add numeratica-financial-planning-calculations --env NUMERATICA_API_KEY=<NUMERATICA_API_KEY> --env NUMERATICA_BASE_URL=<NUMERATICA_BASE_URL> --env NUMERATICA_TIMEOUT_MS=<NUMERATICA_TIMEOUT_MS> -- npx -y @numeratica/mcp
```
Replace <…> with your own values

### Cursor

**Config file**
File `.cursor/mcp.json`:
```json
{
    "mcpServers": {
        "numeratica-financial-planning-calculations": {
            "url": "https://api.numeratica.com/mcp"
        }
    }
}
```
File `.cursor/mcp.json`:
```json
{
    "mcpServers": {
        "numeratica-financial-planning-calculations": {
            "command": "npx",
            "args": [
                "-y",
                "@numeratica/mcp"
            ],
            "env": {
                "NUMERATICA_API_KEY": "<NUMERATICA_API_KEY>",
                "NUMERATICA_BASE_URL": "<NUMERATICA_BASE_URL>",
                "NUMERATICA_TIMEOUT_MS": "<NUMERATICA_TIMEOUT_MS>"
            }
        }
    }
}
```
Replace <…> with your own values

### GitHub Copilot

**Config file**
File `.vscode/mcp.json`:
```json
{
    "servers": {
        "numeratica-financial-planning-calculations": {
            "type": "http",
            "url": "https://api.numeratica.com/mcp"
        }
    }
}
```
File `.vscode/mcp.json`:
```json
{
    "servers": {
        "numeratica-financial-planning-calculations": {
            "type": "stdio",
            "command": "npx",
            "args": [
                "-y",
                "@numeratica/mcp"
            ],
            "env": {
                "NUMERATICA_API_KEY": "<NUMERATICA_API_KEY>",
                "NUMERATICA_BASE_URL": "<NUMERATICA_BASE_URL>",
                "NUMERATICA_TIMEOUT_MS": "<NUMERATICA_TIMEOUT_MS>"
            }
        }
    }
}
```
Replace <…> with your own values

### Gemini CLI

1. **Platform CLI: remote server**
```bash
gemini mcp add -t http numeratica-financial-planning-calculations https://api.numeratica.com/mcp
```

2. **Platform CLI**
```bash
gemini mcp add -e NUMERATICA_API_KEY=<NUMERATICA_API_KEY> -e NUMERATICA_BASE_URL=<NUMERATICA_BASE_URL> -e NUMERATICA_TIMEOUT_MS=<NUMERATICA_TIMEOUT_MS> numeratica-financial-planning-calculations npx -y @numeratica/mcp
```
Replace <…> with your own values

## When to use it
- model retirement outcomes with Monte Carlo
- calculate Roth conversion scenarios
- estimate required minimum distributions
- check tax and IRMAA calculations
- find available financial planning tools

## Example prompts
- Run a retirement Monte Carlo for someone retiring at 65.
- Calculate Roth conversion scenarios for this plan.
- Show me the available tax and benefit calculations.

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