@markcolabs/mcp 0.4.0 → 0.4.2

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package/README.md CHANGED
@@ -1,24 +1,8 @@
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  # @markcolabs/mcp
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- > A free, MIT-licensed Model Context Protocol (MCP) server exposing 9
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- > deterministic financial calculator tools for AI agents — mortgage payment,
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- > compound interest, 401(k) projection, Social Security benefit, paycheck
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- > net pay, IRA contribution limit, Roth conversion tax impact, RMD
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- > distribution amount, and HSA contribution limit. Powered by the same
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- > engines that run the calculators at
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- > [www.digitalcalculator.info](https://www.digitalcalculator.info), parity-tested
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- > on every release. Hosted REST companion at
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- > [mcp.digitalcalculator.info/mcp](https://mcp.digitalcalculator.info/mcp);
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- > self-hostable over MCP stdio with `npx`.
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-
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- **Status**: v0.3.0 (Sprint 141 Wave 1A + 1B). Adds 4 new retirement-cluster
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- tools (`dc.calculator.ira.contributionLimit`,
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- `dc.calculator.rothConversion.taxImpact`, `dc.calculator.rmd.distributionAmount`,
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- `dc.calculator.hsa.contributionLimit`), taking tool coverage 5 → 9.
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- See [CHANGELOG.md](./CHANGELOG.md).
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-
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- Contract: **ADR-0039** (Tool Contract), reconciled per **ADR-0041**
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- (post-deploy audit decisions).
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+ > Thin stdio-HTTPS shim that gives AI agents (Claude Desktop, MCP Inspector, any MCP client) access to financial calculator tools hosted at [digitalcalculator.info](https://www.digitalcalculator.info/mcp/). New tools are added server-side without a package update — call `tools/list` on the hosted endpoint for the current list.
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+
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+ **v0.4.2** stdio-HTTPS shim (S142/ADR-0044a). Engine source is private and runs in AWS Lambda; this package is a transport adapter only (~60 lines, zero engine code, MIT-licensed).
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  ---
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@@ -28,159 +12,115 @@ Contract: **ADR-0039** (Tool Contract), reconciled per **ADR-0041**
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  npm install -g @markcolabs/mcp
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  ```
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- Or run without installing:
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+ Or run without installing (recommended):
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  ```bash
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- npx @markcolabs/mcp
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+ npx -y @markcolabs/mcp
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  ```
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- The package ships a `digitalcalculator-mcp` binary that speaks MCP over stdio.
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-
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- ## Quickstart — Claude Desktop
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+ ## Quickstart - Claude Desktop
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- Add to `claude_desktop_config.json` (macOS: `~/Library/Application Support/Claude/`,
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- Windows: `%APPDATA%\Claude\`):
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+ Add to `claude_desktop_config.json`:
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+ - macOS: `~/Library/Application Support/Claude/claude_desktop_config.json`
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+ - Windows: `%APPDATA%\Claude\claude_desktop_config.json`
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  ```json
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  {
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  "mcpServers": {
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  "digitalcalculator": {
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- "command": "node",
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- "args": ["/absolute/path/to/global/node_modules/@markcolabs/mcp/dist/index.js"]
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+ "command": "npx",
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+ "args": ["-y", "@markcolabs/mcp"]
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  }
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  }
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  }
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  ```
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- Restart Claude Desktop. In a new conversation, ask "what MCP tools do you
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- have access to?" — Claude should list the 9 `dc.calculator.*` tools.
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+ Restart Claude Desktop. Ask "what tools do you have?" and Claude should list the available financial calculator tools.
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- Full setup instructions (incl. MCP Inspector, agentic CLIs, HTTP REST):
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- [www.digitalcalculator.info/mcp/quickstart/](https://www.digitalcalculator.info/mcp/quickstart/).
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+ Full setup instructions: [www.digitalcalculator.info/mcp/quickstart/](https://www.digitalcalculator.info/mcp/quickstart/)
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+
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+ ---
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- ## Tools (v0.3.0)
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+ ## Tools
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+
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+ Tools are served by the hosted endpoint at `mcp.digitalcalculator.info/mcp`. New tools are added server-side — the package does not need to be updated when the tool set grows. Call `tools/list` for the authoritative current list.
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+
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+ Tools currently available (as of v0.4.2):
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  | Tool | Input (summary) | Returns (summary) |
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  |---|---|---|
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- | `dc.calculator.mortgage.monthlyPayment` | `principal`, `annualRatePercent`, `termYears` | Monthly P&I payment, total interest, total paid |
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- | `dc.calculator.compoundInterest.futureValue` | `principal`, `annualRatePercent`, `years`, `compoundingFrequency`, optional `monthlyContribution` | Future value, total contributions, interest earned |
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- | `dc.calculator.retirement401k.projection` | current balance, salary, contribution %, employer match, growth %, return %, current/retirement age | Year-by-year balance, employer match total, growth earned, IRS 2026 limits applied |
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- | `dc.calculator.socialSecurity.estimatedBenefit` | `birthYear`, `currentEarnings`, `claimAge`, optional `yearsWorked`, `lifeExpectancy` | Monthly benefit at FRA, adjusted for claim age, lifetime projection, FRA age |
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- | `dc.calculator.paycheck.netPay` | `grossAnnualSalary`, `payFrequency`, `federalFilingStatus`, `state`, pre-/post-tax deductions, optional `dependents` (default 0) | Per-paycheck gross/federal/FICA/state/net, annualized totals, no-state-income-tax flag |
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- | `dc.calculator.ira.contributionLimit` | `age`, `filingStatus`, `magi`, `type` ('traditional' or 'roth') | Eligible contribution (with Roth MAGI phase-out + catch-up), `traditionalDeductionStatus` signal, 2026 IRS limits |
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- | `dc.calculator.rothConversion.taxImpact` | `conversionAmount`, `age`, `filingStatus`, `currentTaxableIncome`, optional `retirementMarginalRatePercent` + `expectedReturnPercent` | Federal tax owed on conversion, marginal/effective rate, 5-year-rule flag, optional break-even years. Single-conversion scope (multi-year optimization is a future tool) |
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- | `dc.calculator.rmd.distributionAmount` | `accountBalance`, `ownerAge` (>= 73 SECURE 2.0 floor) | Required minimum distribution, distribution period (Uniform Lifetime Table III), `tableUsed`, SECURE 2.0 §302 25% missed-RMD excise tax. `spouseAge` + `isSpouseSoleBeneficiary` accepted but ignored in v1 (Joint Life Expectancy Table is a future minor) |
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- | `dc.calculator.hsa.contributionLimit` | `age`, `coverageTier` ('self-only' or 'family'), optional `employerContribution`, optional `estimatedMarginalRatePercent` | Total annual limit (with age-55+ catch-up), employee max remaining after employer reduction, optional payroll-deduction tax savings. 2026 IRS Rev. Proc. 2025-19 limits |
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+ | `mortgage_monthly_payment` | `principal`, `annualRatePercent`, `termYears` | Monthly P&I, total interest, total paid |
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+ | `compound_interest_future_value` | `principal`, `annualRatePercent`, `years`, `compoundingFrequency`, optional `monthlyContribution` | Future value, contributions, interest earned |
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+ | `retirement_401k_projection` | balance, salary, contribution %, employer match, return %, ages | Year-by-year balance, IRS 2026 limits applied |
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+ | `social_security_estimated_benefit` | `birthYear`, `currentEarnings`, `claimAge`, optional `yearsWorked`, `lifeExpectancy` | Monthly benefit at FRA, adjusted for claim age, lifetime projection |
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+ | `paycheck_net_pay` | `grossAnnualSalary`, `payFrequency`, `federalFilingStatus`, `state`, pre-/post-tax deductions | Per-paycheck gross/federal/FICA/state/net, annualized totals |
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+ | `ira_contribution_limit` | `age`, `filingStatus`, `magi`, `type` ('traditional' or 'roth') | Eligible contribution, Roth phase-out, catch-up, 2026 IRS limits |
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+ | `roth_conversion_tax_impact` | `conversionAmount`, `age`, `filingStatus`, `currentTaxableIncome`, optional retirement rate | Federal tax owed, marginal/effective rate, 5-year-rule flag |
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+ | `rmd_distribution_amount` | `accountBalance`, `ownerAge` (>= 73) | Required minimum distribution, Uniform Lifetime Table factor |
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+ | `hsa_contribution_limit` | `age`, `coverageTier` ('self-only' or 'family'), optional `employerContribution` | Total annual limit, employee max remaining, 2026 IRS limits |
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+ | `inflation_adjusted_value` | `amount`, `inflationRate`, `years`, optional `mode` | Future value or purchasing power after N years of inflation |
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+ | `savings_future_balance` | `initialDeposit`, `monthlyContribution`, `annualInterestRate`, `years` | Future balance, total contributions, interest earned |
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  | Resource | Purpose |
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  |---|---|
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  | `dc://disclaimers/ymyl` | Canonical YMYL disclaimer string returned in every tool response. |
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+ | `dc://methodologies/manifest` | Methodology URLs for all available calculator tools. |
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- Every response carries the same envelope:
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-
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- ```json
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- {
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- "result": { /* tool-specific structured object */ },
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- "disclaimer": "Estimates only — for educational purposes...",
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- "methodology": {
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- "url": "https://www.digitalcalculator.info/<calculator>/",
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- "version": "YYYY-MM-DD"
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- },
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- "calculatedAt": "ISO-8601 UTC",
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- "engineVersion": "SemVer of the engine that produced the result"
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- }
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- ```
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-
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- Failures use a single-envelope `ToolError` (HTTP 400 / 429 / 500):
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+ Every tool response includes a `disclaimer` field ("Estimates only - for educational purposes...") and an `engineVersion` field. Failures return:
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  ```json
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  { "error": { "code": "INPUT_VALIDATION", "message": "...", "field": "...", "retriable": false } }
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  ```
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- Error codes: `INPUT_VALIDATION`, `BUSINESS_RULE`, `INTERNAL`, `RATE_LIMIT`
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- (only `RATE_LIMIT` is retriable).
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+ Error codes: `INPUT_VALIDATION`, `BUSINESS_RULE`, `INTERNAL`, `RATE_LIMIT` (only `RATE_LIMIT` is retriable).
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- Full input schemas, output payload shapes, and error codes:
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- [www.digitalcalculator.info/mcp/api-reference/](https://www.digitalcalculator.info/mcp/api-reference/).
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+ Full input schemas and output shapes: [www.digitalcalculator.info/mcp/api-reference/](https://www.digitalcalculator.info/mcp/api-reference/)
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- ## Hosted endpoint (no install needed)
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+ ---
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- If you don't have an MCP client, POST JSON to the hosted REST companion:
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+ ## Hosted endpoint
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+
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+ The MCP endpoint accepts JSON-RPC directly:
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  ```bash
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  curl -X POST https://mcp.digitalcalculator.info/mcp \
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  -H 'Content-Type: application/json' \
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- -d '{
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- "tool": "dc.calculator.mortgage.monthlyPayment",
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- "input": { "principal": 300000, "annualRatePercent": 6.5, "termYears": 30 }
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- }'
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+ -d '{"jsonrpc":"2.0","id":1,"method":"tools/list","params":{}}'
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  ```
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- Returns the same envelope shape as the MCP wire protocol. Rate-limited to
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- 100 req / 5 min per IP (WAFv2). See [LICENSE-API.md](./LICENSE-API.md) for the
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- hosted-API terms.
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-
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- ## Licensing
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-
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- Two distinct surfaces, two distinct license documents:
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+ Rate-limited to 100 req / 5 min per IP.
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- - **Package source** (this npm package + the GitHub repo): [MIT LICENSE](./LICENSE).
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- Self-host, modify, redistribute, embed in commercial products — all permitted.
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- - **Hosted API** at `mcp.digitalcalculator.info/mcp`: governed by
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- [LICENSE-API.md](./LICENSE-API.md) (acceptable use, rate limits, no-warranty,
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- contact). These terms apply only when you call the hosted endpoint; they do
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- NOT bind self-hosted use of the MIT source.
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+ ---
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- If you self-host the MIT source, only the [LICENSE](./LICENSE) applies. If you
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- use the hosted endpoint, both apply (MIT for what you read; LICENSE-API for how
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- you call the hosted host).
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+ ## Architecture
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- ## Local development
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+ v0.4.x is a thin transport adapter with no calculation logic. Because engines run server-side, new tools appear automatically to any connected MCP client without a package update:
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- ```bash
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- cd packages/mcp
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- npm install
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- npm test # parity + envelope tests (vitest)
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- npm run build # compile TypeScript to dist/
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- npm start # boot MCP server over stdio
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+ ```
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+ Claude Desktop -> stdin -> @markcolabs/mcp (shim) -> HTTPS -> mcp.digitalcalculator.info/mcp -> Lambda engine
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  ```
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- Vitest runs `test/parity/*.test.ts` (per-tool parity vs. site source) and
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- `test/envelope.test.ts` (envelope contract). Parity tests must pass before any
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- engine change is shipped.
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+ The shim adds a 30-second request timeout (matching the AWS API Gateway integration ceiling) and a `User-Agent` header for diagnostics.
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- ## Versioning
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+ ---
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- | Bump | Trigger | Example |
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- |---|---|---|
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- | Major package | Tool rename, removed field, breaking envelope change | v0.1.0 v0.2.0 (tool renames) |
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- | Minor package | Additive tool, additive output field | v0.2.1 → v0.3.0 (IRA + Roth conversion + RMD + HSA tools, all four shipped together in S141 Wave 1A + 1B) |
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- | Patch package | Bug fixes, metadata corrections | v0.2.0 → v0.2.1 (LICENSE, README, optional dependents, dead-link audit) |
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- | `engineVersion` | Math changes only | 5 prior engines at `1.0.0`; new IRA + Roth + RMD + HSA engines start at `1.0.0` |
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- | `methodology.version` | Source methodology document materially updated | ISO date of the canonical methodology page's `last-modified` |
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+ ## Licensing
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+
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+ MIT - see [LICENSE](./LICENSE). The calculator engines at the hosted endpoint are proprietary; the MIT license does not apply to them.
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- `engineVersion` and `methodology.version` are independent — callers should not
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- assume they move in lockstep. See [CHANGELOG.md](./CHANGELOG.md) for the full
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- version history.
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+ ---
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  ## Links
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- - [Quickstart](https://www.digitalcalculator.info/mcp/quickstart/) install + first call in under 5 minutes
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- - [API Reference](https://www.digitalcalculator.info/mcp/api-reference/) full schemas, output shapes, error codes
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- - [FAQ](https://www.digitalcalculator.info/mcp/faq/) accuracy, YMYL posture, rate limits, support, change policy
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- - [GitHub repo](https://github.com/mark57-ux/digitalcalculator/tree/main/packages/mcp) — open issues, contribute
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- - [CHANGELOG](https://github.com/mark57-ux/digitalcalculator/blob/main/packages/mcp/CHANGELOG.md)
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- - [ADR-0039 — MCP Tool Contract](https://github.com/mark57-ux/digitalcalculator/blob/main/docs/Claude/Architecture/ADR/ADR-0039-mcp-tool-contract.md)
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- - [ADR-0041 — v1 Contract Reconciliation](https://github.com/mark57-ux/digitalcalculator/blob/main/docs/Claude/Architecture/ADR/ADR-0041-mcp-v1-contract-reconciliation.md)
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+ - [Quickstart](https://www.digitalcalculator.info/mcp/quickstart/) - install and first call in under 5 minutes
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+ - [API Reference](https://www.digitalcalculator.info/mcp/api-reference/) - full schemas, output shapes, error codes
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+ - [FAQ](https://www.digitalcalculator.info/mcp/faq/) - accuracy, YMYL posture, rate limits, support
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+ - [GitHub repo](https://github.com/mark57-ux/digitalcalculator/tree/main/packages/mcp)
175
119
 
176
120
  ## Support
177
121
 
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- Open an issue at
179
- [github.com/mark57-ux/digitalcalculator/issues](https://github.com/mark57-ux/digitalcalculator/issues).
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- Best-effort triage, no SLA. Include tool name, input that reproduces, expected
181
- vs. actual output, and the `engineVersion` from the response envelope.
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+ Open an issue at [github.com/mark57-ux/digitalcalculator/issues](https://github.com/mark57-ux/digitalcalculator/issues). Include the tool name, the input that reproduces the issue, and the expected vs. actual output.
182
123
 
183
124
  ## License
184
125
 
185
- MIT for the package source ([LICENSE](./LICENSE)). Hosted API terms in
186
- [LICENSE-API.md](./LICENSE-API.md). Markco Labs LLC.
126
+ MIT - see [LICENSE](./LICENSE). Markcolabs LLC.
package/dist/index.d.ts CHANGED
@@ -1,6 +1,6 @@
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  #!/usr/bin/env node
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  /**
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- * @markcolabs/mcp v0.4.0 — stdio↔HTTPS shim.
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+ * @markcolabs/mcp v0.4.2 — stdio↔HTTPS shim.
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  *
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  * Proxies MCP JSON-RPC messages from stdin to the hosted MCP server at
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  * mcp.digitalcalculator.info/mcp and writes responses back to stdout.
package/dist/index.js CHANGED
@@ -1,6 +1,6 @@
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  #!/usr/bin/env node
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  /**
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- * @markcolabs/mcp v0.4.0 — stdio↔HTTPS shim.
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+ * @markcolabs/mcp v0.4.2 — stdio↔HTTPS shim.
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  *
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  * Proxies MCP JSON-RPC messages from stdin to the hosted MCP server at
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  * mcp.digitalcalculator.info/mcp and writes responses back to stdout.
@@ -16,6 +16,8 @@ import * as readline from "readline";
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  import * as https from "https";
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  const MCP_ENDPOINT = "https://mcp.digitalcalculator.info/mcp";
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  const SESSION_ID = Math.random().toString(36).slice(2);
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+ const PACKAGE_VERSION = "0.4.2";
20
+ const REQUEST_TIMEOUT_MS = 30_000;
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21
  function post(body) {
20
22
  return new Promise((resolve, reject) => {
21
23
  const url = new URL(MCP_ENDPOINT);
@@ -28,12 +30,15 @@ function post(body) {
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30
  "Content-Type": "application/json",
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31
  "Content-Length": data.byteLength,
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32
  "Mcp-Session-Id": SESSION_ID,
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+ "User-Agent": `@markcolabs/mcp/${PACKAGE_VERSION}`,
31
34
  },
35
+ timeout: REQUEST_TIMEOUT_MS,
32
36
  }, (res) => {
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37
  const chunks = [];
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  res.on("data", (chunk) => chunks.push(chunk));
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39
  res.on("end", () => resolve(Buffer.concat(chunks).toString("utf8")));
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40
  });
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+ req.on("timeout", () => req.destroy(new Error(`Request timed out after ${REQUEST_TIMEOUT_MS / 1000}s`)));
37
42
  req.on("error", reject);
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43
  req.write(data);
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44
  req.end();
package/dist/index.js.map CHANGED
@@ -1 +1 @@
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1
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package/package.json CHANGED
@@ -1,13 +1,13 @@
1
1
  {
2
2
  "name": "@markcolabs/mcp",
3
- "version": "0.4.0",
3
+ "version": "0.4.2",
4
4
  "private": false,
5
5
  "description": "MCP stdio↔HTTPS shim for digitalcalculator.info financial calculators. Proxies MCP JSON-RPC to the hosted server at mcp.digitalcalculator.info/mcp. Per ADR-0044a: engine source is private; this package is a thin transport adapter only.",
6
6
  "type": "module",
7
7
  "main": "./dist/index.js",
8
8
  "types": "./dist/index.d.ts",
9
9
  "bin": {
10
- "digitalcalculator-mcp": "./dist/index.js"
10
+ "digitalcalculator-mcp": "dist/index.js"
11
11
  },
12
12
  "scripts": {
13
13
  "build": "tsc",
@@ -46,7 +46,14 @@
46
46
  "inflation",
47
47
  "savings",
48
48
  "digitalcalculator",
49
- "digitalcalculator.info"
49
+ "digitalcalculator.info",
50
+ "financial-planning",
51
+ "loan",
52
+ "retirement-planning",
53
+ "investment",
54
+ "debt",
55
+ "capital-gains",
56
+ "net-worth"
50
57
  ],
51
58
  "author": "Markcolabs LLC",
52
59
  "license": "MIT",
@@ -56,7 +63,7 @@
56
63
  },
57
64
  "repository": {
58
65
  "type": "git",
59
- "url": "https://github.com/mark57-ux/digitalcalculator.git",
66
+ "url": "git+https://github.com/mark57-ux/digitalcalculator.git",
60
67
  "directory": "packages/mcp"
61
68
  }
62
69
  }