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Smart Financial Intelligence - Professional-grade financial calculations for ChatGPT. MCP server providing financial calculation tools including loan payment, compound interest, and tax estimation.
Numerai Finance provides 4 financial calculation tools with complete input schemas and functional descriptions. All tools have parameter type definitions and descriptions, placing them above the community median. However, descriptions are generic and lack LLM optimization guidance. No output schemas are documented. Missing critical patterns: error handling guidance, idempotency hints, parameter constraints (enums for categorical inputs like filingStatus and state), and composition hints. Tools are READ_ONLY but lack explicit toolAnnotations. Schema coverage is solid but lacks depth in describing output structures and expected return formats.
Calculate future value of an investment with compound interest and optional monthly contributions
Calculate monthly loan payment using standard amortization formula
Estimate US federal and state taxes for 2024 tax year based on income, filing status, and state
Get current market interest rates for various financial products
Missing output schema documentation. No tool defines what fields are returned or their types. LLMs cannot plan downstream operations or extract specific values from results.
estimate_taxes accepts 'filingStatus' as free-form string with only enum hint in description ('single, married_joint, ...'), not as formal enum constraint. LLMs may hallucinate invalid values like 'single_parent' or 'domestic_partner'.
get_current_rates accepts 'country' as free-form string with only 'US' as example. No enum constraint, format hint, or list of valid country codes. LLM may pass invalid codes like 'USA', 'United States', or '1' expecting rates for numeric country IDs.
| Scored | Grade | Overall | Spec posture | Rubric |
|---|---|---|---|---|
| 2026-09-22 | D | 54 | 2025-06-18+ | v2 |
| 2026-03-09 | F | 44 | - | v1 |
Tool descriptions lack LLM-optimized guidance. 'Calculate monthly loan payment using standard amortization formula' doesn't tell the LLM WHEN to call this vs alternatives, what prerequisites are needed, or what precision to expect (e.g., 2 decimal places for dollars). Average description length 55 chars; baseline for A+ is 50-200.
No error handling guidance. Tools fail silently (e.g., invalid principal amount, negative interest rate, invalid state code for estimate_taxes). Descriptions do not tell the LLM what to do if a call fails: retry? Ask user? Suggest alternatives?
Parameter constraints missing or incomplete. 'annualRate' has no min/max bounds, LLM may pass 0, negative, or 1000+ rates. 'years' lacks validation range. 'principal' and 'monthlyContribution' have no minimum (e.g., zero or negative). All numeric params should declare bounds in description or schema.
estimate_taxes 'state' parameter default is 'US' (country code, not state). Should default to a specific state like 'CA' or be optional. Current design confuses LLM about expected format and breaks state-specific tax calculations when LLM doesn't override the default.
No idempotency hints or confirmation patterns. Financial calculations are typically safe, but tool descriptions don't explicitly state whether results are deterministic or time-dependent (e.g., get_current_rates may change hour-to-hour; should LLM cache or re-fetch?).