Agents — Varallisuuspolku

Varallisuuspolku's calculation engine can be used as a tool for your own AI assistant. The same deterministic engine that runs on this site — statutory earnings-related pension, Finnish capital gains taxation, loans as annuities, Monte Carlo with fixed seeds — is available as a local MCP server (Model Context Protocol) that Claude and other MCP-compatible agents can use. The agent converses, the engine computes: the numbers never come from the language model.

What agent support makes possible

“Here's my plan: varallisuuspolku.com#s=… — will I manage if I retire at 60?”

“I'm 34, I save 600 €/mo and I have 120 000 € left on my mortgage. Build a plan and tell me when I can retire with 85 % certainty.”

“Compare three options: retiring at 58, 62 or 65 — what sustainable monthly income does each one mean?”

“Here's our family's link: varallisuuspolku.com#f=… — can our finances take it if one of us switches to part-time work?”

The agent reads a plan from a share link or builds one from scratch out of the conversation (suunnitelman_skeema tells it every field and event type). The numbers in the answers are computed by the engine — you can verify the same results by opening the same share link on this site.

Tools

`simuloi_suunnitelma`	The whole lifecycle: success %, wealth at retirement age and at the end (P10–P90), sustainable income, taxes, depletion risks and the annual table.
`ratkaise_elakeika`	The earliest possible retirement age at a given monthly income — optionally at a Monte Carlo confidence level (75/85/95 %).
`ratkaise_saasto`	The required monthly savings at a given retirement age and income need.
`vertaa_suunnitelmia`	A comparison table of 2–4 options, with the best value marked.
`simuloi_perhe`	The whole household (up to 4 people) from a family link: personal key figures and the family's combined success % with coherent Monte Carlo.
`suunnitelman_skeema`	Field documentation and examples for the plan JSON — an agent can build a plan without a share link.

Setup

Claude Code:

claude mcp add varallisuuspolku -- npx -y varallisuuspolku-mcp

Claude Desktop (Settings → Developer → Edit config):

{
  "mcpServers": {
    "varallisuuspolku": {
      "command": "npx",
      "args": ["-y", "varallisuuspolku-mcp"]
    }
  }
}

Other MCP-compatible clients: launch npx -y varallisuuspolku-mcp as a stdio server. Requires Node.js ≥ 18. Package: varallisuuspolku-mcp on npm.

The share link is the interface

A plan moves between a person, the site and an agent as a share link: an #s= link carries one person's plan and an #f= link the whole family's. You get the link from the tool under My plan → Share as link — paste it to the agent as-is. The same link always opens in a browser too, so you can check the plan an agent is working on with your own eyes at any time.

Principles

Local	The MCP server runs on the agent's machine, uses no network and stores nothing — the same privacy promise as on the site, now in agent use too.
Deterministic	Fixed Monte Carlo seeds: the same input always gives exactly the same answer, and the calculation can be checked on the validation page.
Not investment advice	The tools compute and compare — they don't recommend products or actions, and every answer carries this reminder.
Open	Source code on GitHub (MIT). Machine-readable service description for indexers: llms.txt.

Tulkki — the site's built-in AI assistant — is a different thing from agent support: Tulkki lives in this service, agent support brings the engine to your assistant. The same division of labour applies to both: the AI explains, the engine computes.

Back to the planning tool · Calculation validation · npm package · Source code