HowRisky MCP Server
Monte Carlo risk analysis for AI agents. Institutional-grade financial modeling with fat-tail distributions and proprietary KDE algorithms.
8 Tools: Portfolio risk (CVaR, ruin probability), startup equity, real estate, Kelly criterion betting, and more.
Compatible with: Claude Desktop, ChatGPT Desktop, Cursor, Windsurf, Cline, GitHub Copilot, VS Code, Codex
Standard Config
{
"mcpServers": {
"howrisky": {
"command": "npx",
"args": ["-y", "howrisky-mcp-server"],
"env": {
"HOWRISKY_API_KEY": "your-api-key-here"
}
}
}
}
Get your free API key at: https://howrisky.ai/app/settings (100 calls/month free)
Getting Started
Step 1: Get your API key from https://howrisky.ai/app/settings
Step 2: Add the standard config above to your AI tool's MCP configuration
That's it! Your AI can now access Monte Carlo risk simulations.
Installation
Claude Desktop
Edit config file:
- MacOS:
~/Library/Application Support/Claude/claude_desktop_config.json - Windows:
%APPDATA%\Claude\claude_desktop_config.json
Add the standard config above.
Restart Claude Desktop.
Test it: Ask Claude "Using HowRisky, what's the risk of a 60/40 portfolio?"
ChatGPT Desktop
- Open ChatGPT Desktop Settings
- Go to Apps & Connectors → Advanced settings
- Enable Developer mode
- Add MCP server configuration (use standard config above)
Restart ChatGPT Desktop.
Test it: Ask ChatGPT "Use HowRisky to calculate CVaR for 100% SPY portfolio"
Cursor
Add to Cursor's MCP configuration file:
Use the standard config above.
Cursor supports MCP via VS Code extension compatibility.
Windsurf
Add to Windsurf MCP settings:
Use the standard config above.
Windsurf's MCP integration works similarly to Cursor.
Cline (VS Code)
Via Cline MCP Marketplace:
- Open Cline in VS Code
- Search for "howrisky" in MCP Marketplace
- Click Install
- Enter API key when prompted
Manual Setup:
Add to VS Code Settings → Extensions → Cline → MCP Servers:
Use the standard config above.
GitHub Copilot / VS Code
Add to VS Code settings.json:
Use the standard config above in the MCP servers configuration section.
Remote Server (HTTP)
For custom integrations or web-based AI tools:
Endpoint: https://mcp.howrisky.ai
Authentication: Include X-API-Key header with your API key
Documentation: https://howrisky.ai/mcp/docs
Example:
curl -X POST https://mcp.howrisky.ai \
-H "X-API-Key: your-api-key" \
-H "Content-Type: application/json" \
-d '{"jsonrpc":"2.0","method":"tools/list","id":1}'
Available Tools
| Tool | Description |
|---|---|
calculate_portfolio_risk | CVaR, VaR, ruin probability, survival probability |
simulate_future_timelines | Year-by-year portfolio evolution with percentiles |
compare_portfolios | Side-by-side risk comparison of multiple portfolios |
text_to_portfolio | Natural language → asset allocations |
add_startup | Startup equity modeling with exit scenarios |
add_real_estate | Real estate with cash flows, IRR, mortgage analysis |
add_private_asset | Illiquid asset modeling (PE funds, etc.) |
add_gamble | Kelly criterion for high-risk betting strategies |
Full documentation: https://howrisky.ai/mcp/docs
Example Usage
Once configured, ask your AI:
"Using HowRisky, calculate the risk of investing $100K in a 60/40 portfolio over 20 years"
The AI will:
- Discover HowRisky tools via
tools/list - Call
calculate_portfolio_riskwith correct parameters - Return CVaR, survival probability, ruin risk, and other metrics
Features
Fat-Tail Modeling - Gaussian models underestimate crash risk by 3-10x. Our proprietary KDE captures reality.
Comprehensive Metrics - 12 risk metrics including CVaR 95/99, VaR, ruin probability, percentiles
Private Assets - Model startups, real estate, PE funds, and high-risk gambles
Tax-Aware - 15+ countries supported (US, GB, DE, FR, IT, ES, JP, AU, CA, etc.)
Custom Scenarios - Override historical data with your own market assumptions
Pricing
| Tier | Calls/Month | Price |
|---|---|---|
| Free | 100 | $0 |
| Developer | 10,000 | $99 |
| Professional | 100,000 | $299 |
| Enterprise | 1,000,000 | $999 |
View pricing: https://howrisky.ai/mcp/pricing
Support
- Issues: https://github.com/howrisky/howrisky-mcp-server/issues
- Docs: https://howrisky.ai/mcp/docs
- Email: mcp@howrisky.ai
License
Proprietary - Copyright © 2025 Diogo Seca / HowRisky.ai
You may use this software to access HowRisky MCP API. Modification and redistribution prohibited. See LICENSE for details.