BetterOff MCP Server

by betteroff Your server? Claim it

not responding

BetterOff is listed as active in the registry but did not answer our last check. It exposes 22 tools.

Anonymous public tools for BetterOff. See the published agent boundary before use.

Uptime history 25 days of history · worst day 0%

25 days agonow

0.0%

Uptime 24h

0 of 92 checks

Tools

read from the server

92 ms

Response time

average over 24h

open, no key

Access

streamable-http

What changed 28

Every tool that appeared, vanished or quietly changed what it asks for. Recorded since 30 August 2026. No other catalogue keeps this.

3 Sep 13 tools changed the parameters they ask for calc_compound_interest, calc_dca, calc_emergency_fund and 10 more

29 Aug 15 tool descriptions were rewritten calc_compound_interest, calc_dca, calc_debt_payoff and 12 more

BetterOff does not always answer

Over the last week it answered 0.0% of our checks. We check every 15 minutes, so you hear about the next outage within the hour — not from your users.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 0 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add public --transport http https://betteroff.finance/mcp

~/Library/Application Support/Claude/claude_desktop_config.json

{
  "mcpServers": {
    "public": {
      "url": "https://betteroff.finance/mcp"
    }
  }
}

~/.codex/config.toml

[mcp_servers.public]
url = "https://betteroff.finance/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "public": {
      "url": "https://betteroff.finance/mcp"
    }
  }
}

.vscode/mcp.json

{
  "mcpServers": {
    "public": {
      "url": "https://betteroff.finance/mcp"
    }
  }
}

Available tools 22

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

calc

calc_compound_interest

Read-only educational calculator. Calculates compound interest from principal, monthly contributions, annual return, years, and annual, monthly, weekly, or daily compounding. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

calc_dca

Read-only educational calculator. Compares dollar-cost averaging versus lump-sum investing across market scenarios with configurable cadence and horizon. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

calc_debt_payoff

Read-only educational calculator. Runs debt payoff projections across multiple debts using avalanche or snowball strategy and extra monthly payment. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

calc_emergency_fund

Read-only educational calculator. Calculates emergency fund target from monthly expenses and coverage months, tracks progress, and estimates time-to-goal. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

calc_fire

Read-only educational calculator. Estimates financial independence target from annual expenses, withdrawal rate, current savings, monthly investment, and return assumptions. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

calc_impermanent_loss

Read-only educational calculator. Estimates impermanent loss from initial investment and token price multipliers in a 50/50 constant-product AMM. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

calc_inflation

Read-only educational calculator. Projects purchasing power erosion from a present amount, year horizon, and annual inflation rate percent. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

calc_investment_return

Read-only educational calculator. Calculates total return, annualized return (CAGR), and dollar gain from initial investment, final value, years, and dividends. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

calc_mortgage

Read-only educational calculator. Calculates monthly PITI mortgage payment, total interest, total cost, and builds amortization schedule from home price, down payment, rate, and term. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

calc_net_worth

Read-only educational calculator. Calculates net worth from asset and debt entries, plus liquid net worth and debt percentage of assets. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

calc_paycheck

Read-only educational calculator. Estimates 2026 take-home pay from salary or hourly wages, pay frequency, filing status, state, W-4 settings, FICA, and pre-tax deductions. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

calc_portfolio_allocation

Read-only educational calculator. Calculates an illustrative portfolio allocation across U.S. stocks, international stocks, bonds, and cash based on years to retirement and risk tolerance. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

calc_retirement

Read-only educational calculator. Projects retirement savings from age, contributions, return assumptions, and income target, returns the year-by-year balance at each age, then estimates the gap using a 4% withdrawal assumption. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

calc_savings_goal

Read-only educational calculator. Calculates a savings-goal timeline, required monthly savings, and weekly equivalent from a target, current balance, return, and deadline. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

calc_subscription_cost

Read-only educational calculator. Normalizes mixed-interval subscriptions into monthly-equivalent costs, ranks by impact, and computes triage savings, category totals, and future-price scenarios. Returns a result from caller-supplied public inputs without changing page or account state, accessing BetterOff customer data, or providing personalized financial advice.

public

get_public_calculator_contract

Use this before running a calculator to retrieve its exact bounded input schema, output schema, methodology, assumptions, and canonical source.

list_public_calculators

Use this to discover BetterOff's free public calculators before choosing one. Results contain canonical URLs and never access customer data.

run_public_calculator

Use this when an agent needs to run one free public BetterOff calculator with bounded JSON input. Results are educational calculations, not personalized financial advice.

search_public_docs

Use this when an agent needs to search BetterOff public product, pricing, trust, or calculator documents. Do not use it for customer, household, account, or personalized financial data.

compare

compare_public_scenarios

Use this when an agent needs to run two inputs through the same free public calculator. Returns both results without ranking or personalized advice.

feature

get_feature_details

Use this when an agent needs public details about one BetterOff feature from the allow-listed corpus. Do not use it for authenticated product state.

pricing

get_pricing

Use this when an agent needs BetterOff's canonical public pricing facts and assumptions. Do not use it for customer billing or account data.

Endpoints

URL	Transport	State	Latency	Checked
https://betteroff.finance/mcp	streamable-http	answering	92 ms	0 min ago

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BetterOff — questions

Answers built from our own checks of this server.

What can BetterOff do?

It exposes 22 tools, read directly from the server on our last check. Among them: calc_compound_interest, calc_dca, calc_debt_payoff, calc_emergency_fund, calc_fire, calc_impermanent_loss and 16 more. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →

What is BetterOff mostly used for?

Its tools cluster around calc and public. That is what this server is built to work with — the grouping comes from the actual tool names, not from a category we assigned.

Is BetterOff working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 0 of 92 checks got a reply (0.0%), average response time 92 ms. The bar chart above shows every period we have measured.

The registry lists BetterOff as active — why does it not respond?

The official MCP registry stores what the author submitted; it does not verify that the server still runs. We check the endpoint ourselves, and this one does not answer. Catalogues that copy the registry without checking will show it as working.

How do I connect BetterOff?

Copy the ready config from this page — we generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each with the file path that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.

Does BetterOff need an API key?

No. BetterOff completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 22 of them are readable on this page. This is what we observed, not what the docs claim.