# TrackMoola — Canadian Financial Calculator API

> TrackMoola provides 35+ Canadian-specific financial calculators as a REST API and MCP server.
> AI agents can calculate TFSA/RRSP contribution room, mortgage affordability, CPP/OAS estimates,
> federal/provincial tax, and more — all using current 2026 CRA rules and rates.

## API Endpoints

- REST API: https://trackmoola.com/api/v1/calculators
- MCP Server (Streamable HTTP): https://trackmoola.com/mcp
- API Documentation: https://trackmoola.com/api/docs
- OpenAPI Spec: https://trackmoola.com/api/v1/openapi
- Health Check: https://trackmoola.com/api/v1/health

## Available Calculators

- tfsa-contribution-room: Calculate TFSA contribution room (CRA limits, age, residency)
- rrsp-contribution-room: Calculate RRSP contribution room and tax savings
- mortgage-affordability: Max mortgage/home price using GDS/TDS and stress test
- cpp-oas-estimator: Project CPP retirement benefits with deferral analysis
- tax-estimate: Federal + provincial income tax for all 13 provinces/territories

## Authentication

All calculator API calls require an API key passed as Bearer token:
  Authorization: Bearer tm_live_your_key_here

Get your key at: https://trackmoola.com/api-keys

Purchased credits are organized in 30-day packs (FIFO). Unused credits in a pack expire 30 days after purchase, or 30 days after your API key is created if you paid before generating a key.

## MCP Usage

Claude Desktop: add a custom connector at https://claude.ai/settings/connectors — Server URL https://trackmoola.com/mcp (no API key). Remote MCP is not loaded from claude_desktop_config.json; enable the connector per chat via + → Connectors.
Local dev: http://localhost:3000/mcp while Next.js is running.

## Example

POST /api/v1/calculators/tfsa-contribution-room
Authorization: Bearer tm_live_abc123
Content-Type: application/json

{
  "birthYear": 1990,
  "previousContributions": 45000,
  "currentYearContributions": 2000
}