# WealthTools

> Free, professional-grade personal finance calculators accessible via a free REST API. Every endpoint requires an API key — get an instant free guest key with no signup, or a higher-limit personal key by signing in.

WealthTools provides financial modeling tools for investment projections, mortgage calculations, credit card payoff timelines, net worth tracking, debt payoff planning, and budget management. All calculators are available as both interactive web tools and a free JSON REST API.

## API

- [API Documentation](https://wealth-tools.com/api/docs): Swagger UI docs for the full REST API
- [OpenAPI Spec](https://wealth-tools.com/api/openapi): Machine-readable OpenAPI spec
- [Agent Metadata](https://wealth-tools.com/.well-known/agent.json): Machine-readable agent discovery manifest
- [Get a Guest API Key](https://wealth-tools.com/api/v1/guest-key): POST, no signup required — rate limit 20 requests/hour
- [Get a Personal API Key](https://wealth-tools.com/users/settings): Sign in to generate one — rate limit 1,000 requests/hour

All API requests require `Authorization: Bearer YOUR_API_KEY` and use base URL `https://wealth-tools.com/api/v1`.

## Calculators

- [Investment Growth Calculator](https://wealth-tools.com/api/v1/calculators/investments): POST — investment growth projections with tax modeling
- [Mortgage Calculator](https://wealth-tools.com/api/v1/calculators/mortgage): POST — mortgage payments and amortization
- [Credit Card Payoff Calculator](https://wealth-tools.com/api/v1/calculators/credit-card-repayment): POST — credit card payoff timeline
- [Net Worth Calculator](https://wealth-tools.com/api/v1/calculators/net-worth): POST — net worth with optional multi-year projections
- [Debt Payoff Comparison Calculator](https://wealth-tools.com/api/v1/calculators/debt-payoff): POST — compares debt avalanche vs. debt snowball payoff strategies against a minimum-payments-only baseline

## Debt Accounts

- [List Debt Accounts](https://wealth-tools.com/api/v1/debts): GET — list the authenticated user's debt accounts (loans, credit cards, etc.)
- [Add Debt Account](https://wealth-tools.com/api/v1/debts): POST — add a new debt account
- [Get Debt Account](https://wealth-tools.com/api/v1/debts/{id}): GET — get a single debt account
- [Update Debt Account](https://wealth-tools.com/api/v1/debts/{id}): PATCH or PUT — update a debt account
- [Remove Debt Account](https://wealth-tools.com/api/v1/debts/{id}): DELETE — remove a debt account

## Budgets

- [List Budget Categories](https://wealth-tools.com/api/v1/budget-categories): GET — list standard expense categories
- [List Budgets](https://wealth-tools.com/api/v1/budgets): GET — list the authenticated user's budgets
- [Create Budget](https://wealth-tools.com/api/v1/budgets): POST — create a budget, optionally with categories
- [Get Budget](https://wealth-tools.com/api/v1/budgets/{id}): GET — get a budget with its categories and expenses
- [Update Budget](https://wealth-tools.com/api/v1/budgets/{id}): PATCH or PUT — update a budget
- [Delete Budget](https://wealth-tools.com/api/v1/budgets/{id}): DELETE — delete a budget
- [Create Budget Share Link](https://wealth-tools.com/api/v1/budgets/{id}/share-link): POST — create a shareable link to a budget
- [Add Budget Category](https://wealth-tools.com/api/v1/budgets/{budget_id}/items): POST — add a category to a budget
- [Update Budget Category](https://wealth-tools.com/api/v1/budgets/{budget_id}/items/{id}): PATCH or PUT — update a category
- [Delete Budget Category](https://wealth-tools.com/api/v1/budgets/{budget_id}/items/{id}): DELETE — remove a category
- [Record Expense](https://wealth-tools.com/api/v1/budgets/{budget_id}/items/{item_id}/expenses): POST — record an expense against a category
- [Update Expense](https://wealth-tools.com/api/v1/expenses/{id}): PATCH or PUT — correct a recorded expense
- [Delete Expense](https://wealth-tools.com/api/v1/expenses/{id}): DELETE — delete a recorded expense
- [Add Budget Income](https://wealth-tools.com/api/v1/budgets/{budget_id}/incomes): POST — add an income source to a budget
- [Update Budget Income](https://wealth-tools.com/api/v1/budgets/{budget_id}/incomes/{id}): PATCH or PUT — update an income source
- [Delete Budget Income](https://wealth-tools.com/api/v1/budgets/{budget_id}/incomes/{id}): DELETE — remove an income source

## MCP (AI Assistant Connector)

WealthTools also exposes an MCP (Model Context Protocol) server so AI assistants like Claude Desktop and ChatGPT can manage a user's budgets and run calculators directly in a conversation.

- [MCP Endpoint](https://wealth-tools.com/mcp): JSON-RPC 2.0 endpoint, OAuth 2.1 with dynamic client registration and PKCE — Claude/ChatGPT discover and register automatically, no manual API key
- [MCP Setup Guide](https://wealth-tools.com/using-the-wealth-tools-mcp): Human setup instructions

MCP tools: mortgage, credit card payoff, investment growth, net worth, and debt payoff strategy comparison calculators; a mortgage scenario comparison tool (compare prepayment strategies and/or different loan terms/rates side by side against a baseline, e.g. a 15-year at a lower rate with extra payments vs. a 30-year with a temporary extra payment); debt account management (list, add, update, and remove the debts tracked by the Debt Payoff Planner); plus full budget management (create/edit budgets and categories, list standard expense categories, record and edit expenses in natural language, e.g. "I spent 20 bucks this week on eating out", manage income sources (add/update/remove), and invite collaborators to a budget by email).

## Optional

- [Full API Reference](https://wealth-tools.com/llms-full.txt): Complete endpoint documentation with request/response examples