Personal Finance What-If Simulator (No Account)

Simulate 30 years of net worth with seeded Monte Carlo: 2026 US tax brackets, FICA, 401(k) match utilization, Roth conversion ladder, buy-vs-rent break-even and refinance math — no signup, nothing leaves your browser session.

html· HTML resultOpen tool

Quick start

Call this tool from your code in three languages.

cURL

curl -X POST 'https://api.elysiatools.com/en/api/tools/personal-finance-what-if-simulator-no-account-required-tax-loan-rent-savings' \
  -H 'Content-Type: application/json' \
  -d '{"age":32,"filingStatus":"single","annualGrossIncome":85000,"stateTaxPct":5,"monthlyExpenses":3200,"monthlyRent":1800,"loanBalance":0,"loanApr":6.5,"loanYearsLeft":0,"portfolioBalance":15000,"stockAllocationPct":80,"k401Pct":10,"employerMatchPct":50,"matchCapPct":6,"iraAnnual":0,"hsaAnnual":0,"scenario":"none","scenarioYear":3,"scenarioMagnitudePct":10,"mcTrials":1000,"randomSeed":42}'

API reference

Send a POST request with your inputs as JSON. File parameters require a separate upload first.

Endpoint

HTTP

POST https://api.elysiatools.com/en/api/tools/personal-finance-what-if-simulator-no-account-required-tax-loan-rent-savings

Parameters

Name	Type	Required	Description
age	number	Yes	—
filingStatus	select	Yes	—
annualGrossIncome	number	Yes	—
stateTaxPct	number	No	—
monthlyExpenses	number	Yes	—
monthlyRent	number	Yes	—
loanBalance	number	No	—
loanApr	number	No	—
loanYearsLeft	number	No	—
portfolioBalance	number	Yes	—
stockAllocationPct	number	No	—
k401Pct	number	No	—
employerMatchPct	number	No	—
matchCapPct	number	No	—
iraAnnual	number	No	—
hsaAnnual	number	No	—
scenario	select	No	—
scenarioYear	number	No	—
scenarioMagnitudePct	number	No	—
mcTrials	number	No	—
randomSeed	number	No	—

Response format

HTML result

JSON

{
  "result": "<div>Processed HTML content</div>",
  "error": "Error message (optional)",
  "message": "Notification message (optional)",
  "metadata": {
    "key": "value"
  }
}

MCP integration

Add this tool to your Model Context Protocol server so AI agents can list and call it.

Server configuration

Add this block to your MCP client configuration:

mcp.json

{
  "mcpServers": {
    "elysiatools-personal-finance-what-if-simulator-no-account-required-tax-loan-rent-savings": {
      "name": "personal-finance-what-if-simulator-no-account-required-tax-loan-rent-savings",
      "description": "Simulate 30 years of net worth with seeded Monte Carlo: 2026 US tax brackets, FICA, 401(k) match utilization, Roth conversion ladder, buy-vs-rent break-even and refinance math — no signup, nothing leaves your browser session.",
      "baseUrl": "https://api.elysiatools.com/mcp/sse?toolId=personal-finance-what-if-simulator-no-account-required-tax-loan-rent-savings",
      "command": "",
      "args": [],
      "env": {},
      "isActive": true,
      "type": "sse"
    }
  }
}

List available tools

After connecting to the SSE endpoint, list the exposed tools:

tools/list

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/list"
}

Call this tool

Invoke the tool by its id, passing arguments built from its parameters:

tools/call

{
  "jsonrpc": "2.0",
  "id": 2,
  "method": "tools/call",
  "params": {
    "name": "personal-finance-what-if-simulator-no-account-required-tax-loan-rent-savings",
    "arguments": {
  "age": 32,
  "filingStatus": "single",
  "annualGrossIncome": 85000,
  "stateTaxPct": 5,
  "monthlyExpenses": 3200,
  "monthlyRent": 1800,
  "loanBalance": 0,
  "loanApr": 6.5,
  "loanYearsLeft": 0,
  "portfolioBalance": 15000,
  "stockAllocationPct": 80,
  "k401Pct": 10,
  "employerMatchPct": 50,
  "matchCapPct": 6,
  "iraAnnual": 0,
  "hsaAnnual": 0,
  "scenario": "none",
  "scenarioYear": 3,
  "scenarioMagnitudePct": 10,
  "mcTrials": 1000,
  "randomSeed": 42
}
  }
}

Chain multiple tools in one session with a comma-separated toolId list, e.g. /mcp/sse?toolId=png-to-webp,jpg-to-webp,gif-to-webp (max 20).

Questions or issues? Contact [email protected]