Roth vs Traditional Optimizer

com.kindoflost.roth-vs-traditional-calculator/roth-vs-traditional-optimizerroth-vs-traditional-calculator.kindoflost.comstreamable-httpv1.0.0Scanned 9 hours ago

Optimal yearly Roth vs traditional split: 401(k), IRA, HSA, brokerage, employer match. Free.

3 tools: 1 change things and 2 only read.

Reads private data · 0
Reads text others write · 0
Can send data out · 0
1 finding

Tools listed without sign-in. Remote posture

Anlyon alternative

1 of these tools change something. Run those as governed actions.

Declare what an action changes, and Anlyon puts it under a shared limit, binds every approval to the exact request, and grades the outcome. It works on any HTTPS API you can describe as an action.

Anlyon does not run, proxy or govern this MCP server. A tool your own code calls directly is not routed through Anlyon and is not governed by it.

Import an OpenAPI spec →

Tools

Grouped by what each tool does, most consequential first. Open one for its reasons and full description; descriptions are the publisher's own words.

3 tools

Changes things 1Creates or changes something that can be changed back.Claude Code: ask

check_requestSay in plain words what the user wants (e.g.1 finding
Why it is in this group
- The name "check_request" says "request": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "check_request" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "check_request" says "request": a word for a change.
  What this check looks for
Description, as the server wrote it
Say in plain words what the user wants (e.g. 'I'm self-employed with a solo 401k and a pension'). Returns whether this optimizer can do it and, if not, the closest thing it can do. Fast, no solve.
Annotations the server declares
- title: Check if a request fits
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false

Only reads 2Looks things up and changes nothing.Show 2 read-only tools

get_contribution_exampleReturn a complete example input for optimize_retirement_contributions with a one-line explanation of every field.No findings
Why it is in this group
- The name "get_contribution_example" says "get": a word for reading.
Description, as the server wrote it
Return a complete example input for optimize_retirement_contributions with a one-line explanation of every field. No solve. Edit it to the user's situation. kind 'single' (default) or 'married' (two earners, kids, HSA, two-tier match).
Annotations the server declares
- title: Get an example contribution input
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
optimize_retirement_contributionsFind the best yearly split of retirement savings between traditional and Roth 401(k), IRA/backdoor Roth, HSA and brokerage, including employer match, Roth conversions and retiremen…No findings
Why it is in this group
- The description's first verb is "find": a word for reading.
Description, as the server wrote it
Find the best yearly split of retirement savings between traditional and Roth 401(k), IRA/backdoor Roth, HSA and brokerage, including employer match, Roth conversions and retirement withdrawals. Returns this year's dollars per account, how the optimal mix compares with always-traditional and always-Roth, Roth share, lifetime totals, the first working years and retirement milestones. Runs in a few seconds (a few more with exact_income_limits). All money in today's dollars. Optimal for the stated assumptions; not tax advice. Call get_contribution_example first if unsure of the shape.
Annotations the server declares
- title: Optimize Roth vs traditional contributions
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false

This is not a safety rating, and no finding is not a safety guarantee. The groups and findings come from fixed checks of the tool definitions the server returned on the date shown, not from its code or what it does when called. How the checks work.

Exfil surface

Which tools read private data, which read text someone else can write, and which can send data out. One of each is a path a prompt injection can use.

No private-data, untrusted-input, outbound path in this server alone: no tool is tagged private-data or untrusted-input or outbound.

Reads private data0: Reads files, mail, messages, databases, secrets, calendars or repositories.
Reads text others write0: Brings in text someone else can write: web pages, inbound email, messages, issues and comments.
Can send data out0: Can carry data to people or systems: it sends, posts or publishes, or takes a recipient, channel or URL.

Other servers in the same agent add their own tools to these paths. Audit your whole setup to see them together.

Remote posture

What anyone on the internet sees at the remote endpoint: an anonymous initialize and tools/list, and the public OAuth metadata.

Tools listed without sign-in

Looked at Nov 2, 2026, 00:18 UTC, unchanged since Nov 2, 2026. No credentials were sent and no tool was called. What is looked at.

Reachable: yes
HTTP status of an anonymous initialize: 200
tools/list served without credentials: yes
Tools that change things, listed without credentials: 1
Protocol version: 2025-06-18
WWW-Authenticate on 401: not observed
resource_metadata in WWW-Authenticate: not observed
RFC 9728 protected resource metadata: not observed
Authorization servers: not observed
Legacy HTTP+SSE transport: no
Dynamic client registration: not observed
Client ID metadata documents: not observed

WarnThe whole server
The endpoint served tools/list without credentials, and the list has 1 tool that changes things (1 write). Whether a call also works without credentials was not tested: tools are never called.
Matched text
https://roth-vs-traditional-calculator.kindoflost.com/mcp: tools/list returned 3 tools to an anonymous client, including check_request (write)
What this check looks for

Findings

Matches of fixed checks, with the text they matched.

1 warn

Warncheck_request
The server marks "check_request" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "check_request" says "request": a word for a change.
What this check looks for

History

Changes to its tool definitions and to its remote endpoint, newest first.

No change seen yet. Its tools are rescanned every day, and a remote endpoint is looked at once a week.

All changes to this server

Install

Pinned to version 1.0.0. Values in angle brackets are yours to fill in.

claude mcp add --transport http roth-vs-traditional-optimizer https://roth-vs-traditional-calculator.kindoflost.com/mcp

claude mcp add --transport http roth-vs-traditional-optimizer https://roth-vs-traditional-calculator.kindoflost.com/mcp

Run in a terminal.

Claude Code permissions

Allow the reads, ask before a change or a way out, deny the deletes. Paste into .claude/settings.json.

.claude/settings.json

{
  "permissions": {
    "allow": [
      "mcp__roth-vs-traditional-optimizer__get_contribution_example",
      "mcp__roth-vs-traditional-optimizer__optimize_retirement_contributions"
    ],
    "ask": [
      "mcp__roth-vs-traditional-optimizer__check_request"
    ],
    "deny": []
  }
}

Tools that only read are allowed, tools that change things ask first, tools that delete or cancel are denied. A read that can send data out (it takes a URL, say) asks first too. It assumes the server is installed as roth-vs-traditional-optimizer. Review it before you use it.

Keep the decision: fail CI when the tools change, follow every change, or show a badge.

Pin in CI

Fail a build when the tools you reviewed are not the tools the server serves today.

curl -s "https://anlyon.dev/api/v1/servers/com.kindoflost.roth-vs-traditional-calculator/roth-vs-traditional-optimizer/verify?hash=57d0f8725fda28b8270282383a43f9d641f67c7e1187d5cae67464ffa95c847c" | jq -e '.changed == false'

Pinned hash 57d0f8725fda, from Nov 2, 2026, 00:17 UTC.

Watch

Get told when its tools change: a new tool, a new description, a new class.

https://anlyon.dev/servers/com.kindoflost.roth-vs-traditional-calculator/roth-vs-traditional-optimizer/changes.xml

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Badge

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Source: MCP Registry. Synced Nov 2, 2026, 00:17 UTC.