Free, open-source Claude Code Agent Skills that turn Claude into a personal-finance & FIRE planning analyst. Ask in plain English and get real numbers back — net-worth projections, your FIRE (financial-independence / retire-early) age, Monte Carlo success rates, tax savings, debt-payoff timelines, rent-vs-buy break-evens, and rental-property returns.
No spreadsheets, no signup, no API key. The math — and 150+ years of historical market data — runs on the public planfi MCP server; these skills just turn your questions into the right tool calls.
- "Build me a complete financial plan — one document covering retirement, college, estate, and insurance."
- "Can I retire at 50 with $1.2M saved and $4k/mo spending?"
- "Rebalance my $1.2M across taxable/IRA/Roth/401k back to 70/30 — give me the trades, harvest losses, and don't trigger short-term gains."
- "Should I rent or buy a $500k house — what appreciation rate makes buying win?"
- "How do I cut my taxes — Roth conversions, mega-backdoor Roth, tax-loss harvesting?"
- "Should I bunch two years of donations into a donor-advised fund and give appreciated stock instead of cash to dodge capital gains?"
- "I have a $400k capital gain from selling stock — should I roll it into an Opportunity Zone fund, and how much tax does the 10-year hold eliminate?"
- "I'm selling 100 of my 8 tax lots of NVDA — which lots should I sell (HIFO vs FIFO) to minimize the gain, and can I harvest a crypto loss and rebuy it immediately?"
- "When should I claim Social Security, and how do I bridge healthcare before Medicare?"
- "Here's my 35-year earnings history, born 1964 — run the full SSA formula and tell me my benefit at 62 vs 67 vs 70, and what it drops to if the trust fund is cut 23% in 2033."
- "I'm turning 65 and still working — do I have to enroll in Medicare, and what's the late-enrollment penalty if I wait (and does COBRA count as creditable coverage)?"
- "If I became disabled, how much would SSDI pay me, would my group LTD plus SSDI replace enough of my paycheck, and would the benefit be taxed?"
- "Should I take my pension as a $350k lump sum or $2,000/mo for life — and is the 100% survivor option worth the reduced check?"
- "Ladder $40k/yr of safe cash across brokered CDs and I-Bonds for 5 years — what's the blended yield and tax hit?"
- "Build me an I-bond ladder — how much can my spouse and I buy a year under the $10k TreasuryDirect cap, what's my early-redemption penalty if I cash out at year 3, and are I-bonds or TIPS better after tax?"
- "Avalanche or snowball — and should I prepay my mortgage or invest the cash?"
- "Are my RSUs too concentrated, and when do my ISOs trigger AMT?"
- "I'm retiring with $600k of appreciated company stock in my 401(k) — should I elect NUA or roll it to an IRA?"
- "We're divorcing — how do we QDRO-split a $400k 401(k), a $100k Roth, and a $300k brokerage 50/50, what's the equalizing cash payment after tax, and can I claim my ex's Social Security?"
- "Is this Airbnb a good investment — cash-on-cash, cap rate, break-even occupancy?"
- "My Airbnb averages a 4-night stay and I logged 180 hours — can I write off the $120k cost-seg loss against my $300k W-2, and what's the depreciation recapture when I sell?"
- "Am I already financially independent, or how many years until I am?"
- "We're a PA family with a $1M estate — how much inheritance tax will our kids owe, and would moving change it?"
- "Will long-term care wipe out my survivor's plan — should I self-insure or buy an LTC/hybrid policy?"
- "How much can I safely spend each year — Guyton-Klinger guardrails vs VPW vs a static 4%?"
- "Do I qualify for the Saver's Credit on $34k income, and how much is it worth on a $2k Roth IRA?"
- "How much can I pull from my IRA penalty-free at 52 with a 72(t) SEPP — amortization vs RMD vs annuitization?"
- "Should I max my HSA and invest it instead of spending it — and how much tax-free medical reserve will I have at 65 if I bank my receipts and reimburse later?"
- "Is a fixed-indexed annuity with a 9% cap worth it vs keeping my rollover IRA invested, and how is the non-qualified gain taxed?"
- "How much Roth conversion room do I have before RMDs hit at 73, and will my RMDs trigger a Medicare IRMAA surcharge?"
- "I inherited a $500k IRA from my dad — do I owe annual RMDs, and what's the tax-smartest way to empty it over the 10-year window?"
- "What's my Lean / Fat / Barista FIRE number, and can part-time income bridge me to full retirement?"
- "Should I early-exercise and file an 83(b)? Does my startup stock qualify for the QSBS exclusion?"
- "Should I defer $200k of my bonus into my employer's 409A plan and take it over 10 years in early retirement — and how does that compare to taking it now?"
- "Will converting $40k to Roth push more of my Social Security into the 85% taxable zone — what's my real marginal rate, and how much can I convert before the tax torpedo fires?"
- "Why is my marginal rate 40%+ when I'm only in the 22% bracket, and how much worse does the SS tax torpedo get for my spouse if she's widowed and files single?"
- "Is deferring my comp worth the creditor risk if my employer's credit rating is shaky — and would a lump or 10-year installment dodge the IRMAA cliffs?"
- "What's the after-tax return on this rental once I add depreciation, recapture, and a 1031 exchange?"
- "Should I do a cost segregation study on my $1M rental — how much depreciation can I front-load with bonus this year, and what's the §1245/§1250 recapture when I sell?"
- "Two kids in undergrad, $130k income, $12k tuition each — how do I maximize the American Opportunity Credit and should I keep $4k out of the 529?"
- "AOTC vs Lifetime Learning Credit for my grad-school tuition — which one gives me the bigger education tax credit, and how much is refundable?"
- "What's my FAFSA Student Aid Index? $120k income, $40k in a brokerage, one kid in college — and would a grandparent-owned 529 or a Roth conversion this year change our need-based aid?"
- "My kid's UTMA throws off $4k of dividends — what's the kiddie tax, and should I gift him $30k of appreciated stock to harvest the gain at 0%? Plus, does a UTMA hurt his financial aid vs a 529, and how much can I gift tax-free this year?"
- "How big should my emergency fund be, and is rolling my 529 leftovers into a Roth worth it?"
- "Lease, finance, or pay cash for this car? And should I consolidate my credit-card debt?"
- "Does a HELOC or reverse mortgage make sense, and how much do I owe in quarterly estimated taxes?"
- "Most of my income came late — a Q4 RSU vest / a year-end S-corp distribution — do I really have to pay even quarterly estimates, or can I annualize (Form 2210 Schedule AI) to defer them without an underpayment penalty?"
- "What's my take-home pay on $120k after 401k, HSA, and taxes — and how much free cash do I have to invest each month?"
- "What's my real savings rate, and am I overspending vs the 50/30/20 rule?"
Fastest — the skills.sh CLI (any agent, no setup). Add this whole catalog (pick a skill, or grab them all), or install just one:
npx skills add KameronKales/planfi-skills # choose from all 17
npx skills add KameronKales/planfi-skills --all # install all 17
npx skills add holdequity/planfi-<name> # just one skill (table below)
Or, in Claude Code, add the catalog as a plugin marketplace + connect the MCP that powers it:
claude plugin marketplace add KameronKales/planfi-skills
claude mcp add --transport http planfi https://ai.planfi.app/mcp/free
Try free, then add your key. The command above adds the free connector —
https://ai.planfi.app/mcp/free(no key needed). Once you create an API key, add a new connector with the production MCP url —https://ai.planfi.app/mcp— and authorize it with your key (companies and commercial use need a key; personal use stays free — email kam@rateapi.dev).
Then just ask.
| Skill | What it does | Install (skills.sh CLI) |
|---|---|---|
| str-investment-analyzer | Analyze short-term-rental (Airbnb/VRBO) property investments by city: cash flow, cash-on-cash, cap rate, break-even occupancy, risk flag, managed-vs-self comparison, and a hold-period return (or indefinite buy-and-hold). | npx skills add holdequity/planfi-str-analyzer |
| financial-forecast | Build a complete FIRE / financial forecast: net-worth projection, FIRE age, Monte Carlo success rate, insights, action plan, what-if scenario comparisons, childcare cost + dependent-care FSA / Child & Dependent Care Credit / Child Tax Credit offsets with a corrected second-income tradeoff, and education/estate deep-dives including federal education tax credits (American Opportunity vs Lifetime Learning Credit per student, MAGI phase-out, refundable/non-refundable split, and the $4k 529 carve-out to preserve full AOTC), a 529→Roth rollover (SECURE 2.0) + 5-year gift-tax-averaged 529 superfunding optimizer, plus estate- and inheritance-tax exposure covering the 6 inheritance-tax states (PA/NJ/KY/IA/MD/NE, taxed by beneficiary relationship class regardless of estate size) and ~12 estate-tax states (MA/NY/OR/WA + CT/DC/HI/IL/ME/MD/MN/RI/VT), and a kiddie-tax & UTMA/UGMA funding planner (IRC §1(g) tier liability on a child's unearned income, appreciated-stock gifting into the child's 0% LTCG bracket, the UTMA-vs-529 FAFSA asset-treatment penalty, and annual gift-exclusion headroom). | npx skills add holdequity/planfi-financial-forecast |
| rent-vs-buy | Rent vs buy: breakeven home-appreciation rate (pre & after tax), per-horizon BUY-vs-RENT net worth, payoff/crossover years, invest-the-difference opportunity cost, and — if they already own — home-equity extraction (HELOC revolving draw/repay, cash-out refi, or reverse mortgage) as a liquidity/decumulation lever instead of selling. | npx skills add holdequity/planfi-rent-vs-buy |
| tax-optimizer | Cut taxes across accounts and years: broad tax optimization (asset location, tax-loss harvesting, charitable), a dedicated charitable-giving optimizer (analyze_charitable_giving — DAF bunching to clear the standard deduction, a QCD at 70½+ that lowers AGI/IRMAA/Social-Security taxation, and donating long-term appreciated stock/RSUs in-kind to avoid capital gains while still taking the FMV deduction), multi-year ISO/conversion timing (AMT/NIIT/IRMAA-aware), Roth conversion ladders, mega-backdoor Roth space, advanced surtaxes (NIIT/AMT/state), tax-gain harvesting (how much long-term gain you can realize at the 0% capital-gains rate before NIIT/IRMAA bites), tax-loss harvesting (analyze_tax_loss_harvesting — harvest lot-level unrealized losses to offset realized gains and up to $3,000 of ordinary income, flag wash sales, suggest replacement securities), a lot-level tax-lot optimizer (analyze_tax_lots — pick which individual purchase lots to sell, HIFO vs FIFO vs specific-ID, to minimize gain or maximize harvested loss; ST-vs-LT split per lot; the §1091 wash-sale disallowance + basis adjustment on equities; and the crypto carve-out where property losses are harvestable and can be repurchased immediately, with a proposed-future-law toggle), retirement relocation / state-tax arbitrage with full 50-state + DC progressive single/MFJ brackets (compare the lifetime after-tax cost of retiring in one state vs another), the federal Saver's Credit (50/20/10% of retirement contributions for lower/moderate income), 72(t)/SEPP substantially-equal-payment sizing for penalty-free access to retirement money before 59½, and HSA-as-retirement optimization (analyze_hsa_retirement — max-fund + invest the triple-tax-advantaged HSA, the receipt-shoebox deferred-reimbursement strategy, the 6-months-before-Medicare contribution stop, and the age-65 tax-free-medical vs taxable-non-medical pivot). | npx skills add holdequity/planfi-tax-optimizer |
| equity-comp-planner | Value and tax employer equity (RSUs, ISOs, NSOs, ESPP), find the ISO/AMT crossover, and assess single-stock concentration risk with a tax-aware diversification plan. | npx skills add holdequity/planfi-equity-comp-planner |
| retirement-income | Plan retirement decumulation: tax-smart withdrawal order, dynamic/variable spending strategies (Guyton-Klinger guardrails, VPW, spending smile, bucket+buffer vs a static 4% SWR), Social Security claiming age, ACA healthcare bridge before Medicare, projected RMDs with a tax-torpedo and Roth-conversion-runway readout (the low-income years before RMDs start at 73/75), Medicare IRMAA tier and surcharge-cliff lookup, Medicare enrollment-timing windows and permanent late-enrollment penalties (the 7-month IEP, the Part B 10%-per-year and Part D 1%-per-month permanent penalties in lifetime dollars, the creditable-coverage test for working past 65 with COBRA not creditable for Part B, the 8-month SEP, and the one-time 6-month Medigap guaranteed-issue window), the post-SECURE-Act inherited-IRA 10-year drawdown for non-spouse beneficiaries (required-vs-optional annual RMDs, lump-vs-even-vs-bracket-fill tax comparison, and the year-10 cliff), estate-tax exposure, guaranteed income (pension lump-sum vs lifetime monthly, SPIA/QLAC vs DIY portfolio), a dedicated defined-benefit pension election analyzer (lump-sum-vs-lifetime implied-IRR and break-even age, 50%/75%/100% joint-and-survivor vs single-life, COLA-vs-non-COLA real erosion over a 25-30 year retirement, and the actuarial early-vs-normal claiming reduction — with the real income floor folding into the forecast), deferred/accumulation annuity products (fixed-indexed FIA cap/participation crediting, RILA buffer/floor, multi-year-guaranteed MYGA, and variable annuities with a GLWB rollup rider) with non-qualified exclusion-ratio tax and 1035 exchanges, a bond/TIPS ladder income floor that guarantees the first N years of spending (sequence-of-returns protection), a mass-market safe-cash ladder for the same near-term need (FDIC-insured CD ladders — brokered vs bank, early-withdrawal penalty, callable — plus I-Bonds and Series EE savings bonds with their purchase caps and federal tax-deferral / state exemption), and long-term-care cost exposure with a self-insure vs traditional vs hybrid LTC-policy tradeoff (including the impact on a surviving spouse's plan). Social Security claiming now runs the full SSA benefit pipeline from a supplied earnings history — caps each year at that year's max taxable earnings, indexes to the National Average Wage Index at age 60, computes AIME (top-35 / 420), projects the 90/32/15 bend points to the eligibility year, floors the PIA to the nearest dime, compounds COLA from age 62, applies the early/delayed claiming adjustment, and can model a trust-fund-depletion benefit cut. Ask Claude things like 'here's my 35-year earnings history, born 1964 — should I claim at 62, 67, or 70?', 'what does my Social Security benefit look like if the trust fund is cut 23% in 2033?', 'I'm 66 and just enrolled in Medicare 30 months late — what's my permanent Part B late penalty?', 'I'm 65 and still working on my employer plan, do I need to sign up for Part B or will I owe a penalty?', or 'I lose my employer coverage in March — how long is my Special Enrollment Period and when does my Medigap guaranteed-issue window close?'. | npx skills add holdequity/planfi-retirement-income |
| debt-and-cashflow | Pay down debt and route surplus cash optimally: avalanche/snowball debt payoff order, balance-transfer / debt-consolidation break-even (personal loan vs 0% transfer vs status quo), mortgage prepay vs invest, refinance break-even, a next-best-dollar funding waterfall, student-loan strategy (IDR / PSLF / refinance vs aggressive payoff), emergency-fund / cash-runway sizing (months-of-runway target from job stability, dependents, and income type, plus a too-much-cash check), finance vs lease vs pay-cash car analysis (real-dollar net cost over your hold horizon, net of resale, interest, and the opportunity cost of cash), and a household cash-flow / take-home analyzer (gross-to-net paycheck after pre-tax deductions, federal/state/FICA tax, the monthly free-cash-flow budget waterfall, true gross & net savings rates vs your FIRE target, and a 50/30/20 needs/wants/savings overspend check). | npx skills add holdequity/planfi-debt-and-cashflow |
| fire-tracker | Track FIRE progress: are you already financially independent / can you coast, how you benchmark against peers, your Lean / Fat / Barista FIRE numbers (incl. a part-time-income bridge), which net-worth milestones you've hit, and whether you can hit a target retirement age (with the easiest levers to pull). | npx skills add holdequity/planfi-fire-tracker |
| self-employed-planner | Plan self-employed / business-owner retirement: max Solo 401(k) vs SEP-IRA vs SIMPLE contribution room, owner cash-balance / defined-benefit plan sizing (actuarial annual contribution, §415(b) cap, the DB-plus-Solo-401(k) stacked deductible and backdoor-Roth interaction), the §199A QBI deduction (thresholds, W-2/UBIA cap, SSTB phaseout), the S-corp reasonable-salary tradeoff (payroll tax vs QBI vs retirement room), and estimated/quarterly tax & 90%/110% safe-harbor planning to avoid underpayment penalties. | npx skills add holdequity/planfi-self-employed-planner |
| relocation-planner | Compare retirement relocation / state-tax arbitrage by orchestrating the public planfi MCP — how much a move (e.g. CA→TX/FL) saves in state income tax (full 50-state + DC progressive single/MFJ brackets), property tax, estate tax, and cost of living — and model the transition year you actually move in: part-year-resident day-count apportionment, source-based wage/equity/gains sourcing, the resident-state credit for taxes paid to the other state, reciprocity agreements, and the 183-day/domicile statutory-residency test. Ask Claude things like 'I moved from CA to TX in July, how do I file two state returns?', 'my RSUs vested after I moved from NY to CA — which state taxes them and do I get a credit?', or 'does PA–NJ reciprocity mean I only owe my home state?'. | npx skills add holdequity/planfi-relocation-planner |
| long-term-rental-analyzer | Long-term-rental after-tax analyzer: 27.5-yr depreciation shelter, ~25% recapture at sale, 1031 like-kind deferral, a Schedule E P&L (rent, vacancy, opex, NOI), and an IRC §469 passive-activity-loss planner (analyze_passive_losses — the $25k special allowance with its $100k–$150k MAGI phase-out, suspended-loss carryforward schedule, real-estate-professional qualification, and total tax deferred), and a §1031 like-kind exchange planner (analyze_1031_exchange — the 45-day / 180-day deadlines, cash + mortgage-relief boot recognition, gain deferred, replacement-property carryover basis, carried §1250 recapture, and the NPV of deferring vs paying the tax now). | npx skills add holdequity/planfi-long-term-rental-analyzer |
| startup-equity-planner | Model the irreversible 30-day 83(b) early-exercise election and the QSBS section 1202 gain exclusion (up to $10M/10x basis) for startup founders, early employees, and C-corp sellers — by orchestrating the public planfi MCP. | npx skills add holdequity/planfi-startup-equity-planner |
| portfolio-rebalancer | Cross-account, tax-aware rebalance trade generator: takes holdings across taxable / traditional IRA / Roth / 401(k) plus an IPS target allocation, detects drift beyond the rebalancing band, and returns the actual buy/sell trade list to return to target — rebalancing tax-advantaged accounts first (zero gain realized), avoiding short-term gains in taxable, harvesting loss lots within the wash-sale ±30-day window, and routing new contributions to underweight classes before selling. | npx skills add holdequity/planfi-portfolio-rebalancer |
| comprehensive-plan | One comprehensive financial plan in a single deliverable — retirement/FIRE projection with Monte Carlo backtesting, 529 college funding status, estate-tax exposure, and life/disability insurance protection gaps, every number engine-computed. | npx skills add holdequity/planfi-comprehensive-plan |
| deferred-comp | Model nonqualified deferred comp (NQDC / 409A) elections for high-W2 execs — defer-now-vs-take-now, lump-vs-installment distribution, and bracket/IRMAA/NIIT/additional-Medicare smoothing into low-income FIRE bridge years, with employer unsecured-creditor risk. | npx skills add holdequity/planfi-deferred-comp |
| divorce-financial-planning | Model the financial split of a divorcing household — QDRO division of 401k/pension/IRA, after-tax equalization of Roth vs traditional vs taxable awards, the equalizing cash payment, pension present-value split, home buyout vs §121-split sale, post-2019 alimony after-tax cost, MFJ→single bracket shift, and divorced-spouse Social Security (10-year rule) eligibility. | npx skills add holdequity/planfi-divorce-financial-planning |
| ss-tax-torpedo | Model the Social Security provisional-income tax torpedo and survivor single-filer cliffs | npx skills add holdequity/planfi-ss-tax-torpedo |
These skills are thin orchestration — they contain no financial logic of their own. Every calculation, every tax rule, and 150+ years of historical market data live server-side on the public planfi MCP (https://ai.planfi.app/mcp/free — no auth, no API key). A skill gathers your inputs, calls the right tool(s), and shows the result. Any MCP-capable agent gets the same answers; the skills just make it one-click inside Claude Code.
The skills are Claude Code packaging — but the engine is a standard
Model Context Protocol server at
https://ai.planfi.app/mcp/free (Streamable HTTP, no auth). Connect it from any
MCP-capable agent and you get all the same tools directly. And because every
tool is self-orchestrating — it reports its own assumed defaults and
suggests the next step — you get solid answers even without a skill wrapper.
Most clients take an mcpServers config block:
{
"mcpServers": {
"planfi": { "type": "http", "url": "https://ai.planfi.app/mcp/free" }
}
}| Client | How to add it |
|---|---|
| Claude Code | claude mcp add --transport http planfi https://ai.planfi.app/mcp/free |
| Cursor | add the block above to ~/.cursor/mcp.json (field: url) |
| Windsurf | ~/.codeium/windsurf/mcp_config.json (field: serverUrl) |
| Cline / VS Code | paste the block into the Cline MCP settings |
| Claude Desktop & stdio-only clients | bridge with npx -y mcp-remote https://ai.planfi.app/mcp/free |
| ChatGPT (custom connectors / Deep Research) | add a connector pointing at the MCP URL |
| Custom / your own agent | it's plain MCP Streamable HTTP — POST JSON-RPC tools/list / tools/call to the URL with Accept: application/json, text/event-stream |
Field names vary slightly by client and version — check your client's MCP docs;
the URL is always https://ai.planfi.app/mcp/free.
- Real models, not vibes — Monte Carlo backtesting on real historical returns, tax-aware (AMT / NIIT / IRMAA), inflation-adjusted.
- Free & open source (MIT) — no account, no paywall.
- Composable — start with a forecast, then drill into taxes, Social Security, or real estate; every result points to the next best step.
Is it free? Yes — MIT-licensed skills plus a public, no-auth MCP.
Do I need an account or API key? No.
Is this financial advice? No — these are planning estimates to inform your own decisions.
What is FIRE? Financial Independence, Retire Early: the point where your investments can cover your spending indefinitely.
Can I use the tools without Claude Code? Yes — connect the MCP (https://ai.planfi.app/mcp/free) from any MCP-capable client. The skills just make it turnkey in Claude Code.
Generated from the planfi-app monorepo (source of truth) and mirrored here — don't edit directly; changes flow via CI. MIT licensed. Not financial advice; planning estimates only.