Map My Risk calculators in your AI assistant
The Model Context Protocol (MCP) is an open standard that lets an AI assistant, such as Claude or ChatGPT, use tools run by someone else. Instead of estimating a figure itself, the assistant sends the numbers from your conversation to a tool, gets the calculated answer back, and explains it to you.
Map My Risk runs a free MCP server with eight of its calculators for Indian households. They are the same calculations as the calculator pages on this site, so the same figures give the same answer here and there. There is no sign-in and no key, the tools only calculate (they cannot change anything), and nothing you send is stored.
| Server address | https://www.mapmyrisk.com/mcp |
| Cost | Free |
| Sign-in | None: no account, no key |
| Tools | Eight calculators, all read-only |
| Stored | Nothing you send |
Connect your assistant
Use the address exactly as written, with https and www. Without www the site answers with a redirect, and some clients do not follow a redirect for this kind of request.
Claude (claude.ai and the Claude apps)
- Open Settings, then Connectors, and choose Add custom connector.
- Name it, for example Map My Risk calculators, and paste https://www.mapmyrisk.com/mcp as the remote MCP server URL. Leave any OAuth fields empty: this server has no sign-in.
- In a chat, turn the connector on from the tools menu, then ask a question like the ones below.
Not tested by us in Claude’s apps; the steps follow Anthropic’s instructions for custom connectors, and menu names can change. Anthropic decides which plans can add custom connectors, and on a Team or Enterprise plan an owner may need to add it first.
Claude Code
- Run this in a terminal. To have it in every project, add --scope user after --transport http.
- Inside Claude Code, /mcp shows whether the server is connected.
claude mcp add --transport http mapmyrisk https://www.mapmyrisk.com/mcpThe command is as Anthropic documents it; we have not run it here. We checked the server with the official MCP client library, which uses the same HTTP transport.
ChatGPT
ChatGPT adds remote MCP servers as custom connectors in developer mode: turn on developer mode under Settings, Apps & Connectors, Advanced settings, then create a connector with the address above and no authentication.
Not tested by us. Whether developer mode is available depends on your ChatGPT plan and OpenAI’s current settings.
Other assistants and tools
- Any client that can add a remote MCP server by its address, over Streamable HTTP and without authentication, can use it: give it the address above.
- Some clients can only start MCP servers on your own computer. They need a separate bridge program, which we have not tested.
The server answers the official MCP client library and plain HTTP requests (checked 24 Oct 2026).
Try it without an assistant (curl)
Each request stands alone, with no session to open first, so one request is enough to run a calculator. The Accept header has to name both types, as every MCP client does.
curl -s https://www.mapmyrisk.com/mcp \
-H 'Content-Type: application/json' \
-H 'Accept: application/json, text/event-stream' \
-d '{"jsonrpc":"2.0","id":1,"method":"tools/call","params":{"name":"health_insurance_cover","arguments":{"existingCover":500000}}}'Run against the live server on 24 Oct 2026. The reply is below.
The reply's result.content[0].text holds this JSON:
{
"result": {
"existingCover": 500000,
"baseFloater": 1000000,
"recommendedCover": 10000000,
"stage": "below-base",
"toReachBase": 500000,
"superTopUp": 0,
"shortfall": 9500000
},
"calculator": "Health insurance cover calculator: is your family covered enough?",
"page": "https://www.mapmyrisk.com/calculators/health-insurance-cover-calculator",
"currency": "INR",
"assumptions": [
"This is the same rule the full assessment uses, and it gives every family the same two levels.",
"It does not change with family size, ages, city or health conditions. A larger family, older parents on the policy or treatment in a large city can all justify more.",
"Employer group cover is counted, as it is in the full assessment, but it usually ends when you leave the job.",
"The calculator works with cover amounts, not premiums. Premiums depend on age, city, health and the insurer."
],
"notAdvice": "No. It is an educational check against a fixed benchmark. Before buying a policy, speak to an IRDAI-licensed adviser who can look at your whole situation."
}The eight calculators
Term insurance cover (term_insurance_cover)
How much life cover a family needs, by the human life value method (income to replace, loans and planned goals, less savings, plus a 10% margin), and the gap against cover already held.
You ask: “I earn ₹18 lakh a year and spend about ₹3 lakh on myself. I have 25 working years left, a ₹40 lakh home loan, ₹15 lakh saved, and want ₹25 lakh (today’s cost) for my child’s education. I hold ₹50 lakh of term cover. How much more do I need?”
{"annualIncome":1800000,"personalExpenses":300000,"workingYears":25,"loans":4000000,"savings":1500000,"educationToday":2500000,"existingCover":5000000}It comes back with: Recommended cover ₹4.75 Cr: ₹3.47 Cr of income to replace, ₹40.00 L of loans and ₹59.91 L for education at its future cost, less ₹15.00 L of savings, plus the margin. With ₹50.00 L held, the gap is ₹4.25 Cr.
Inputs:
- annualIncome: Yearly income before tax
- personalExpenses: The earner’s own yearly spending, the part of income that stops with them
- workingYears: Years of earning left, 1 to 50
- loans: Home loan and other loans outstanding
- savings: Bank balances, funds, shares and gold the family could draw on (not the home)
- educationToday: Today’s cost of children’s higher education, 0 if none
- existingCover: Life cover already held
- incomeGrowth (optional): Salary growth, % a year (default 8%)
- discountRate (optional): Investment return used to discount future income, % a year (default 8%)
- inflation (optional): Inflation, % a year (default 6%)
- spouseSupport (optional): Yearly support for a spouse, in today’s money
- marriageCost (optional): Today’s cost of children’s marriage
Emergency fund (emergency_fund)
The emergency fund a household needs from its monthly outgoings (living costs, rent, EMIs, school fees), how many months the current fund covers, and the gap.
You ask: “Our living costs are ₹45,000 a month, rent ₹25,000, EMIs ₹15,000, and one child’s school fees ₹8,000. We have ₹2 lakh put aside. Is that enough for emergencies?”
{"livingExpenses":45000,"monthlyRent":25000,"monthlyEmis":15000,"children":1,"feePerChild":8000,"currentFund":200000}It comes back with: Monthly outgoings are ₹93,000. 6 months of them, each grown by inflation to when it falls due, come to ₹5.68 L. ₹2.00 L covers about 2.2 months, so the gap is ₹3.68 L.
Inputs:
- livingExpenses: Monthly living costs, not counting rent and EMIs
- monthlyRent: Monthly rent
- monthlyEmis: All loan EMIs a month
- children: Children in school or college, 0 to 10
- feePerChild: Monthly fees per child
- currentFund: Cash, savings accounts and FDs you can reach at once
- months (optional): Months the fund should cover, 1 to 36 (default 6)
Retirement corpus (retirement_corpus)
The corpus needed at retirement for living costs and healthcare, what current savings grow to, the gap, and the fixed monthly investment that closes it.
You ask: “I’m 35, our household spends ₹60,000 a month, healthcare costs about ₹40,000 a year, and I have ₹15 lakh saved for retirement. How much will I need to retire at 60?”
{"currentAge":35,"monthlyExpenses":60000,"yearlyHealthCost":40000,"retirementSavings":1500000}It comes back with: Corpus needed ₹8.45 Cr: ₹6.88 Cr for living costs and ₹1.56 Cr for healthcare. Today’s savings grow to ₹2.55 Cr by then, leaving a gap of ₹5.90 Cr, which about ₹31,382 a month invested from now would close.
Inputs:
- currentAge: Age today
- monthlyExpenses: Monthly household spending that carries on in retirement (not rent or EMIs)
- yearlyHealthCost: Yearly healthcare spending, including health insurance premiums
- retirementSavings: EPF, PPF, NPS, FDs and funds set aside for retirement
- retireAge (optional): Retirement age (default 60)
- lifeExpectancy (optional): Age the money has to last to (default 85)
- preReturn (optional): Return before retirement, % a year (default 12%)
- postReturn (optional): Return after retirement, % a year (default 7%)
- inflation (optional): General inflation, % a year (default 6%)
- healthInflation (optional): Medical inflation, % a year (default 10%)
Income tax: old vs new regime (income_tax_old_vs_new)
Income tax on a salary under the old and new regimes for FY 2026-27, which is lower, the saving, and monthly take-home under the better one.
You ask: “My salary is ₹18 lakh. I put ₹1.5 lakh into 80C investments and pay ₹25,000 in health insurance premiums. Which tax regime should I pick?”
{"salary":1800000,"sec80C":150000,"sec80D":25000,"homeLoanInterest":0,"npsOwn":0}It comes back with: The new regime is lower: tax of ₹1,50,800 against ₹2,96,400 under the old regime, a saving of ₹1,45,600. Take-home under the new regime is about ₹1,37,433 a month.
Inputs:
- salary: Gross yearly salary
- sec80C: Section 80C: EPF, PPF, ELSS, life insurance premiums, home loan principal
- sec80D: Section 80D: health insurance premiums
- homeLoanInterest: Interest on a home loan for a home you live in
- npsOwn: Your own extra NPS contribution, section 80CCD(1B)
- ageBand (optional): below60, senior (60 to 79) or superSenior (80+); default below60
- basicSalary (optional): Yearly basic salary plus DA
- hraReceived (optional): Yearly HRA received
- rentPaid (optional): Yearly rent paid
- isMetroCity (optional): Whether the rented home is in a city that gets the 50% HRA rule
- parentsPremium (optional): none, under60 or senior: whether the 80D figure includes parents’ premiums
- employerNps (optional): Employer’s NPS contribution, section 80CCD(2)
- savingsInterest (optional): Savings account interest
- otherInterest (optional): FD, RD and bond interest
Health insurance cover (health_insurance_cover)
Where a family stands against a base family floater and the recommended total cover, and the next step: raise the base, or add a super top-up.
You ask: “We have a ₹5 lakh family floater. Is that enough health cover?”
{"existingCover":500000}It comes back with: It is below the ₹10.00 L base floater, so the first step is to raise the base by ₹5.00 L. The recommended total, with a super top-up, is ₹1.00 Cr: a shortfall of ₹95.00 L.
Inputs:
- existingCover: Health cover already held (sum insured), including employer cover
Monthly budget (50/30/20) (monthly_budget_50_30_20)
A monthly budget checked against the 50/30/20 rule: the limits, each share, whether needs, wants and savings are within it, and what it takes to save 20%.
You ask: “I take home ₹1.2 lakh a month. Needs are ₹70,000, wants ₹30,000, and I save ₹20,000. How does that compare with 50/30/20?”
{"takeHome":120000,"needs":70000,"wants":30000,"savings":20000}It comes back with: Needs take 58% against a limit of ₹60,000 (above budget); wants 25% (within budget); savings 17% (below budget). Saving ₹4,000 more a month reaches 20%.
Inputs:
- takeHome: Monthly take-home pay after tax, PF and other deductions
- needs: Monthly needs: rent, EMIs, groceries, bills, fees
- wants: Monthly wants: eating out, shopping, travel
- savings: Monthly savings and investments
Goal SIP (goal_sip)
The monthly SIP that reaches a goal: its cost grown by inflation, the SIP at the expected return, how often that SIP succeeds across 5,000 simulated markets, and the SIP that succeeds in 3 out of 4.
You ask: “My child’s college will cost ₹25 lakh in today’s money, in 12 years. I have ₹2 lakh set aside. What SIP do I need?”
{"goalToday":2500000,"years":12,"savedSoFar":200000}It comes back with: The goal grows to ₹50.30 L by then. At the expected return a SIP of ₹13,140 a month reaches it, but that SIP gets there in only 42% of 5,000 simulated markets; ₹18,857 a month gets there in 3 out of 4.
Inputs:
- goalToday: What the goal would cost today
- years: Years until the money is needed, 1 to 40
- savedSoFar: Money already set aside for it
- expectedReturn (optional): Expected return, % a year (default 12%)
- inflation (optional): Inflation for this goal, % a year, up to 20 (default 6%)
Home loan prepayment (home_loan_prepayment)
What paying extra on a home loan each month saves in months and interest, and the after-tax rate that prepaying earns.
You ask: “I owe ₹40 lakh on my home loan at 8.5%, with an EMI of ₹40,000. What happens if I pay ₹5,000 extra every month?”
{"balance":4000000,"rate":8.5,"emi":40000,"extraMonthly":5000}It comes back with: The loan ends 2 years 10 months sooner (11 years 9 months instead of 14 years 7 months) and saves ₹6.50 L in interest. With no tax relief on the interest, prepaying earns the full 8.5%.
Inputs:
- balance: Outstanding principal today
- rate: Yearly interest rate, %
- emi: Current monthly EMI
- extraMonthly: Extra paid on top of the EMI every month
- tax (optional): new, old-5, old-20 or old-30: regime and slab, for interest relief; default new
Limits
- About 120 requests every 10 minutes from one address. Past that, the server answers 429 (too many requests) for the next 10 minutes. Each calculation is one request, and connecting takes two or three more.
- Assistants that run in the cloud, such as Claude or ChatGPT on the web, call from their own servers, so you may share that allowance with other people using the same assistant. If your assistant reports a limit, wait a few minutes and ask again.
- Requests up to 64 KB. A calculation is a few hundred bytes, so only a faulty client comes near it.
- Amounts from ₹0 to ₹1 lakh crore, and rates from 0 to 30% a year (goal inflation up to 20%). A figure outside its range is refused with a message naming it, never calculated.
- Estimates, not advice. Every answer carries the calculator’s assumptions, the page that explains its method, and that page’s own answer to whether it is financial advice. Your assistant should pass these on; they are in the reply.
- Income tax is worked out for salary income in FY 2026-27, with the tax settings Map My Risk keeps on the site, the same ones the income tax calculator page uses. The server rereads them at most every five minutes. Business income and capital gains are not covered.
- No memory between calls. Each request stands alone, so the assistant sends every figure each time. The server cannot see your Map My Risk assessment, report or anything saved on the site.
- The goal SIP runs 5,000 simulated markets from a fixed starting point, so the same figures give the same answer every time.
Privacy
What reaches Map My Risk
- Only what your assistant puts in the request: the calculator’s name and the figures for that one calculation, such as amounts, ages, years and rates.
- Not your name or contact details, and not the rest of your conversation. Nothing asks for them.
What is kept
- The figures are used to work out the answer and then dropped. They are not stored in a database or written to a log.
- To apply the request limit, the server counts requests for each address in its memory. That count is not saved anywhere and is cleared when the server restarts. With a cloud assistant the address is the assistant’s server, not yours.
- Google Cloud, which hosts the site, keeps its standard record of each request (the time, the address and the client’s name), as it does for every page. That record does not include the figures.
Your conversation
- Your conversation itself is handled by your assistant’s provider (Anthropic, OpenAI or whoever runs it), under their terms, not ours.
Frequently asked questions
Is this financial advice?
No. Each tool gives an educational estimate from the figures it is sent, with the assumptions behind it. Before buying a policy or changing investments, speak to a licensed adviser who can look at your whole situation.
Do I need a Map My Risk account?
No. There is no sign-in and no key. Add the address to your assistant and ask.
Can my assistant see my Map My Risk assessment or report?
No. The server only calculates. It has no access to assessments, reports or anything saved on the site; for those, use the site itself.
Why does my assistant get the same answer as the calculator pages?
Because each tool runs the page’s own calculation. Every answer links to that page, where the method, a worked example and the assumptions are set out.
My assistant reports an error. What should I check?
A message about a figure means one was missing or out of range; give the assistant the missing number. A limit message (429) means too many requests from the same address; wait a few minutes. If the assistant cannot connect at all, check the address is exactly the one above, with https and www.