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

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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)

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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.

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Installation

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?"

1. Open ChatGPT Desktop Settings
2. Go to Apps & Connectors Advanced settings
3. Enable Developer mode
4. Add MCP server configuration (use standard config above)

Restart ChatGPT Desktop.

Test it: Ask ChatGPT "Use HowRisky to calculate CVaR for 100% SPY portfolio"

Add to Cursor's MCP configuration file:

Use the standard config above.

Cursor supports MCP via VS Code extension compatibility.

Add to Windsurf MCP settings:

Use the standard config above.

Windsurf's MCP integration works similarly to Cursor.

Via Cline MCP Marketplace:

1. Open Cline in VS Code
2. Search for "howrisky" in MCP Marketplace
3. Click Install
4. Enter API key when prompted

Manual Setup:

Add to VS Code Settings Extensions Cline MCP Servers:

Use the standard config above.

Add to VS Code settings.json:

Use the standard config above in the MCP servers configuration section.

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}'

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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

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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:

1. Discover HowRisky tools via tools/list
2. Call calculate_portfolio_risk with correct parameters
3. Return CVaR, survival probability, ruin risk, and other metrics

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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

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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

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Support

• Issues: https://github.com/howrisky/howrisky-mcp-server/issues
• Docs: https://howrisky.ai/mcp/docs
• Email: mcp@howrisky.ai

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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.