Nestegg Calculators is answering right now. Last checked 9 min ago. It exposes 99 tools. Last commit 15 Aug 2026.
90+ pure finance calculators: loans, investing, bonds, options, tax. Stateless, stores nothing.
Uptime history
47 days of history
47 days agonow
100.0%
Uptime 24h
91 of 91 checks
99
Tools
read from the server
188 ms
Response time
average over 24h
4
Stars
last commit 15 Aug 2026
Nothing serious here today
Today is the operative word: we check Nestegg Calculators every 15 minutes and re-read its code on every release. Watch it and you find out the day that stops being true.
Connect this server
Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 9 min ago.
run in your terminal
claude mcp add nestegg-calculators --transport http https://nestegg.money/mcp~/Library/Application Support/Claude/claude_desktop_config.json
{
"mcpServers": {
"nestegg-calculators": {
"url": "https://nestegg.money/mcp"
}
}
}~/.codex/config.toml
[mcp_servers.nestegg-calculators]
url = "https://nestegg.money/mcp".cursor/mcp.json
{
"mcpServers": {
"nestegg-calculators": {
"url": "https://nestegg.money/mcp"
}
}
}.vscode/mcp.json
{
"mcpServers": {
"nestegg-calculators": {
"url": "https://nestegg.money/mcp"
}
}
}Available tools 99
Read directly from the server with tools/list, grouped by what they act on.
If a tool disappears, we record the date.
annuity
annuity-fv
Future value of an ordinary annuity. rate is the per-period rate in percent.
annuity-payment
The level payment that amortizes a present value over n periods (the loan-payment formula). rate is per period.
annuity-pv
Present value of an ordinary annuity (level payment at each period end). rate is the per-period rate in percent.
bond
bond-duration
Macaulay duration (PV-weighted average time of cashflows, in years) and modified duration (price sensitivity to yield).
bond-price
Price of a coupon bond given a yield: present value of the coupons plus the face at maturity.
current
current-ratio
Current ratio: current assets over current liabilities.
current-yield
Current yield: the annual coupon as a percent of the bond's current price.
gross
de-gross-to-net
German net (Netto) salary from gross (Brutto). No tax tables are baked in: look up the current year's statutory figures and pass them in. Income tax (Lohnsteuer) and Soli are amounts; church tax is a percent of the income tax; the four employee social rates and the two contribution ceilings are inputs. Use consistent units (e.g. all annual).
gross-rent-multiplier
Gross rent multiplier: price divided by gross annual rent.
loan
loan-apr
Effective APR including upfront fees: the note-rate payment priced against the net proceeds (amount - fees). Annual percent.
loan-payoff
Time and interest saved by paying a fixed extra amount every month on a loan, versus the baseline schedule.
net
de-net-salary
Exact German net (Netto) salary from annual gross (Brutto) for tax years 2023-2026. Income tax and Soli follow the official BMF Programmablaufplan for the year (to the euro; 2024 uses the retroactive December tariff), church tax comes from the PAP's Kirchensteuer base, and employee social insurance uses that year's ceilings and rates (KV Zusatzbeitrag defaults to the year's average). Earlier years are rejected - use de-gross-to-net with self-supplied figures instead.
net-worth
Net worth: assets minus liabilities.
option
option-breakeven
Break-even underlying price at expiry: strike + premium for a call, strike - premium for a put.
option-greeks
Black-Scholes greeks for a European option: delta, gamma, vega (per 1% vol), theta (per day), rho (per 1% rate).
required
required-contribution
Inverse of contributions: the fixed monthly amount needed to reach a target future value over a number of months, given an optional starting balance.
required-return
Annual return needed to grow a starting value to a target over a number of years, optionally with a fixed annual contribution. With no contribution this equals CAGR. Returns a percent, or null when unreachable.
tax
tax-equivalent-yield
Tax-equivalent yield: the taxable yield that matches a tax-free (e.g. muni) yield. Percents in and out.
tax-from-brackets
Progressive tax from caller-supplied brackets. No jurisdiction, year, or rates are baked in: pass the brackets yourself. Returns total tax, effective rate, and marginal rate.
abgeltungsteuer
de-abgeltungsteuer
German flat tax on capital income (Abgeltungsteuer, §32d EStG) for tax years 2023-2026 with the year's Sparerpauschbetrag built in. 25% above the allowance, Soli 5.5% on top (no Freigrenze for capital income), and with church tax the statutory reduced rate (e.g. 24.45% at 9%) plus the church tax itself.
accrued
accrued-interest
Accrued interest since the last coupon: the annual coupon pro-rated by days elapsed over the day-count basis.
after
after-tax-yield
After-tax yield: a yield reduced by the tax rate. Percents in and out.
amortization
amortization
Monthly loan amortization schedule and summary. Supports dated extra principal payments and a rate-fixed period. detail controls output size: 'summary' (default) returns totals plus a per-year breakdown; 'monthly' returns the full schedule (paginate with offset/limit). Returns numbers and schedules; no advice.
balloon
balloon-loan
Balloon loan: payment based on a long amortization, with the balloon being the balance still due after the shorter balloon term.
barista
barista-fire
Barista FIRE: the nest egg needed when part-time income covers part of the spending, so the portfolio only funds the remainder at the safe withdrawal rate.
biweekly
biweekly-payoff
Biweekly mortgage acceleration: paying half the monthly payment every two weeks. Returns the biweekly payment and the months and interest saved.
black
black-scholes
Black-Scholes price of a European call or put option, plus d1/d2. Volatility and rates in percent; optional continuous dividend yield.
break
break-even-units
Break-even volume: fixed costs divided by the per-unit contribution (price - variable cost), plus the revenue at that volume.
budget
budget-50-30-20
The 50/30/20 budget split of monthly income into needs, wants, and savings.
cagr
cagr
Compound annual growth rate between two values over a number of years. Returns a decimal (0.07 means 7%).
cap
cap-rate
Capitalization rate: net operating income as a percent of property value.
cash
cash-on-cash
Cash-on-cash return: annual pre-tax cash flow as a percent of the cash invested.
coast
coast-fire
Coast FIRE: whether the current nest egg, left to grow untouched to retirement, already reaches the FIRE target. Returns the target, the projected balance, whether it coasts, and any shortfall.
compound
compound-interest
Compound growth at any frequency, with an optional contribution each period (paid at period end). Generalizes future-value (periodsPerYear 1) and contributions (periodsPerYear 12).
contribution
contribution-margin
Contribution margin per unit and as a percent of price.
contributions
contributions
Future value of a fixed monthly contribution, optionally stepping up each year.
convert
fx-convert
Convert an amount using a rate supplied by the caller (units of target currency per unit of source). No rate is ever looked up.
convexity
convexity
Bond convexity (years^2): the curvature of price with respect to yield, used alongside duration.
credit
credit-card-payoff
Months to clear a credit-card balance at a fixed monthly payment, plus interest paid. Null when the payment can't cover the first month's interest.
debt
debt-payoff
Multi-debt payoff plan under a fixed monthly budget. method 'avalanche' (highest rate first) minimizes interest; 'snowball' (smallest balance first) clears accounts soonest. Returns months, total interest, and payoff order; flags insolvent budgets.
declining
declining-balance-depreciation
Declining-balance depreciation: a fixed percent of the reducing book value, for a given year. Returns that year's depreciation and the remaining book value.
depreciate
depreciate
Value after compounding down (or up) at a yearly percentage rate over a number of years. This is the method the app uses for long-term assets.
discount
discount
A single percentage discount: the amount off and the final price.
discounted
discounted-payback
Discounted payback period: like payback-period but each cashflow is discounted at the per-period rate.
dollar
dollar-cost-averaging
Dollar-cost averaging: buying a fixed amount each period at the given prices. Returns units accumulated, total invested, average cost, and final value at the last price.
double
double-declining-depreciation
Double-declining-balance depreciation: 2/usefulYears of the book value each year, not falling below salvage.
dscr
dscr
Debt service coverage ratio: net operating income divided by annual debt service.
dti
dti
Debt-to-income ratio, percent (monthly debt / gross monthly income).
effective
effective-rate
Convert a nominal annual rate to the effective annual rate (APY) for a compounding frequency, or with toNominal recover the nominal rate from an APY.
emergency
emergency-fund
Months of runway: liquid savings divided by monthly expenses.
fee
fee-drag
Effect of an annual fee: the compounded balance at the gross rate vs net of the fee, and the amount lost to fees.
fire
fire-number
FIRE target nest egg from annual spend and a safe withdrawal rate (default 4%), plus the gap from today and the years to reach it given optional savings and growth. No advice.
future
future-value
Future value of a single lump sum compounded annually.
holding
holding-period-return
Holding-period return: (income + capital gain) / starting value, in percent.
hourly
hourly-to-salary
Annualize an hourly rate (and the monthly equivalent).
inflation
inflation-adjust
Convert a nominal amount to today's purchasing power (real), or with toNominal inflate a real amount forward, at a given annual inflation rate.
interest
interest-only-payment
Interest-only monthly payment on a balance.
intrinsic
intrinsic-time-value
Split an option premium into intrinsic value (in-the-money amount) and time value.
irr
irr
Internal rate of return: the per-period rate that zeroes the NPV of a cashflow series. Returns a percent, or null when the series never crosses zero.
kindergeld
de-kindergeld
German child benefit (Kindergeld) for 2023-2026: the year's flat monthly amount per child (uniform since 2023), as monthly and annual totals.
ltv
ltv
Loan-to-value ratio, percent (loan / property value).
margin
margin-markup
Convert between margin and markup. Supply any one of cost/price plus one of marginPct/markupPct (or both cost and price); returns cost, price, profit, marginPct, and markupPct.
max
max-drawdown
Maximum drawdown of a value series: the largest peak-to-trough decline, as a positive percent.
midijob
de-midijob
German Midijob / Uebergangsbereich (paragraph 20 Abs. 2a SGB IV) for 2023-2026: classifies a monthly pay as Minijob / Midijob / regular against the year's thresholds and, inside the Midijob band, computes the reduced contribution bases (Faktor F from the year's rates) and the employee vs employer social-insurance split.
mirr
mirr
Modified internal rate of return: negatives financed at financeRate, positives reinvested at reinvestRate. Percents in and out.
mortgage
mortgage-affordability
Maximum loan and home price the income supports: the DTI cap on gross monthly income (less existing debts) sets the payment, whose present value at the rate and term is the loan.
noi
noi
Net operating income: gross rental income less vacancy and operating expenses.
npv
npv
Net present value of a cashflow series (index 0 is today; outflows negative) discounted at a per-period rate.
payback
payback-period
Simple payback period: periods until cumulative cashflows recover the initial cost, interpolated within the crossing period. Null if never.
percentage
percentage-change
Percentage change from one value to another. Null when the starting value is zero.
perpetuity
perpetuity
Present value of a level or growing perpetuity: payment / (rate - growth). Null when growth is not below the rate.
points
points-breakeven
Mortgage points break-even: the upfront cost to buy down the rate, the monthly payment saving, and the whole months to recoup it.
portfolio
portfolio-longevity
How many years a balance lasts while withdrawing from it: the balance grows each year, then the withdrawal (optionally stepping up) is taken. Returns the depletion year, or sustainable=true when it outlasts 200 years.
present
present-value
Present value of a single future amount discounted annually. The inverse of future-value.
put
put-call-parity
Put-call parity: given one option price, returns both. Provide call or put, plus spot, strike, years, and the rate.
quick
quick-ratio
Quick (acid-test) ratio: (current assets - inventory) over current liabilities.
real
real-return
Real (inflation-adjusted) return from a nominal rate via the Fisher relation: (1+nominal)/(1+inflation) - 1.
refi
refi-breakeven
Refinance break-even: monthly saving, whole months to recoup closing costs, and (if remainingMonths given) the net saving over the remaining term.
rentenpunkte
de-rentenpunkte
German pension points (Entgeltpunkte, paragraph 63 SGB VI) for 2023-2026: points earned from an annual gross via the year's Durchschnittsentgelt (capped at the contribution ceiling), the aktueller Rentenwert for both halves of the year, and optionally the gross monthly state pension for a total point count.
return
return-stats
Mean, sample variance, and sample standard deviation (n-1) of a series of returns. Pass percents to get a percent stdev (volatility).
roa
roa
Return on assets, percent: net income over total assets.
roe
roe
Return on equity, percent: net income over shareholders' equity.
roi
roi
Return on investment: total percent gain, plus the annualized rate when a holding period in years is given.
rule
rule-of-72
Years to double: the rule-of-72 estimate (72/rate) and the exact figure (ln2 / ln(1+rate)).
salary
salary-to-hourly
Hourly rate implied by an annual salary.
savings
savings-rate
Fraction of income saved (savings divided by income). Returns a decimal.
sharpe
sharpe-ratio
Sharpe ratio: excess mean return per unit of volatility, (mean - riskFree) / stdev. Null when volatility is undefined or zero.
straight
straight-line-depreciation
Straight-line depreciation: value falling evenly to a salvage value over a useful life.
successive
successive-discounts
Stacked discounts applied in order: the final price and the effective single discount rate.
sum
sum-of-years-digits
Sum-of-the-years'-digits depreciation: the depreciable base weighted toward the early years.
tip
tip-split
Tip and split: the tip amount, the total, and the per-person share.
unit
unit-price
Unit price: price divided by quantity (for comparing pack sizes). Null when quantity is zero.
units
units-of-production-depreciation
Units-of-production depreciation: the depreciable base spread over total expected units, charged by the units used this period.
vat
vat
Value-added tax (MwSt/USt, sales tax) on a price. By default adds the tax to a net price; with inclusive=true treats the amount as gross and extracts the tax. The rate is always an input (19 or 7 for Germany, etc.).
wacc
wacc
Weighted average cost of capital: equity and after-tax debt weighted by the capital structure. Percents in and out.
xirr
xirr
Date-aware internal rate of return: the annual rate that zeroes the XNPV of irregular dated cashflows. Null if no rate fits.
xnpv
xnpv
Date-aware net present value: each amount discounted by its fractional years (act/365) from the first cashflow's date. Annual rate in percent.
yield
yield-to-maturity
Bond yield to maturity: the nominal annual yield that prices a bond at the given price, with periodic coupons and face returned at maturity. Solved numerically. Returns a percent, or null.
zero
zero-coupon-price
Price of a zero-coupon bond: face value discounted to today at the yield.
Endpoints
| URL | Transport | State | Latency | Checked |
|---|---|---|---|---|
| https://nestegg.money/mcp | streamable-http | answering | 137 ms | 9 min ago |
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Nestegg Calculators — questions
Answers built from our own checks of this server.
What can Nestegg Calculators do?
It exposes 99 tools, read directly from the server on our last check. Among them: accrued-interest, after-tax-yield, amortization, annuity-fv, annuity-payment, annuity-pv and 93 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 Nestegg Calculators mostly used for?
Its tools cluster around annuity, gross and loan. 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 Nestegg Calculators working right now?
We send a real MCP handshake every 15 minutes. Over the last 24 hours 91 of 91 checks got a reply (100.0%), average response time 188 ms. The bar chart above shows every period we have measured.
How do I connect Nestegg Calculators?
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 Nestegg Calculators need an API key?
No. Nestegg Calculators completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 99 of them are readable on this page. This is what we observed, not what the docs claim.
How fast is Nestegg Calculators?
It answers our handshake in 188 ms on average, which is faster than 68% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.
Is Nestegg Calculators open source?
Yes — it is published under the Apache-2.0 licence, written in JavaScript, 4 stars on GitHub and 1 open issue. The source link is on this page, so you can read exactly what it does with your data before you connect it.