Verified U.S. cash rates (sweeps, savings, money funds, CDs, T-bills), dated, with after-tax math.
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For a cash balance and the person's tax rates, estimate what each kind of cash option keeps per year after federal and state income tax (Treasury interest is state-tax-free; money funds pass through their government share), and how much more than where the cash sits now. Returns the best option of each kind.
Cash balance in U.S. dollars.
State + local income tax rate, e.g. 5. 0 if none.
Top federal income tax bracket, e.g. 24.
True if the 3.8% net investment income tax applies.
Where the cash sits now: a broker name (its default sweep), "checking", or an id from get_cash_rates. Default checking at 0.01%.
return (default), liquidity (2 days or less), or protection (FDIC or U.S. government).
Pick your client. Values in capitals, like YOUR_TOKEN, are yours to fill in.
Run in a terminal
claude mcp add --transport http cash-rates https://www.movablecapital.com/api/mcp
For a cash balance and the person's tax rates, estimate what each kind of cash option keeps per year after federal and state income tax (Treasury interest is state-tax-free; money funds pass through their government share), and how much more than where the cash sits now. Returns the best option of each kind.
| Argument | Type | Description |
|---|---|---|
| niit | boolean | True if the 3.8% net investment income tax applies. |
| balance* | number | Cash balance in U.S. dollars. |
| current | string | Where the cash sits now: a broker name (its default sweep), "checking", or an id from get_cash_rates. Default checking at 0.01%. |
| priority | string | return (default), liquidity (2 days or less), or protection (FDIC or U.S. government). |
| state_pct* | number | State + local income tax rate, e.g. 5. 0 if none. |
| federal_pct* | number | Top federal income tax bracket, e.g. 24. |
{
"type": "object",
"required": [
"balance",
"federal_pct",
"state_pct"
],
"properties": {
"niit": {
"type": "boolean",
"description": "True if the 3.8% net investment income tax applies."
},
"balance": {
"type": "number",
"maximum": 1000000000,
"minimum": 1,
"description": "Cash balance in U.S. dollars."
},
"current": {
"type": "string",
"description": "Where the cash sits now: a broker name (its default sweep), \"checking\", or an id from get_cash_rates. Default checking at 0.01%."
},
"priority": {
"enum": [
"return",
"liquidity",
"protection"
],
"type": "string",
"description": "return (default), liquidity (2 days or less), or protection (FDIC or U.S. government)."
},
"state_pct": {
"type": "number",
"maximum": 15,
"minimum": 0,
"description": "State + local income tax rate, e.g. 5. 0 if none."
},
"federal_pct": {
"type": "number",
"maximum": 37,
"minimum": 0,
"description": "Top federal income tax bracket, e.g. 24."
}
}
}The highest verified U.S. cash rates right now, by kind: high-yield savings, money market funds, CDs, Treasury bills, or default brokerage sweeps. Each rate was read from the provider's own page on the date returned. Use for "best savings rate", "best money market fund", "where should I keep cash".
| Argument | Type | Description |
|---|---|---|
| kind | string | Which kind of option. Default all. |
| limit | integer | How many rows. Default 5. |
{
"type": "object",
"properties": {
"kind": {
"enum": [
"all",
"savings",
"money_fund",
"cd",
"treasury",
"sweep",
"annuity"
],
"type": "string",
"description": "Which kind of option. Default all."
},
"limit": {
"type": "integer",
"maximum": 20,
"minimum": 1,
"description": "How many rows. Default 5."
}
}
}What a brokerage pays on uninvested cash by default (the cash sweep), by account type, with the date verified, how it compares with Treasury bills, and a step-by-step guide to moving the cash. Brokers include Schwab, Fidelity, Vanguard, Merrill, E*TRADE, Morgan Stanley, Wells Fargo, Robinhood, Interactive Brokers, Raymond James, Ameriprise, Edward Jones.
| Argument | Type | Description |
|---|---|---|
| broker* | string | Broker name, e.g. "Schwab" or "Merrill Edge". |
{
"type": "object",
"required": [
"broker"
],
"properties": {
"broker": {
"type": "string",
"description": "Broker name, e.g. \"Schwab\" or \"Merrill Edge\"."
}
}
}The latest U.S. Treasury daily par yield curve (1 month to 10 years), with its date. Treasury bill interest is exempt from state income tax.
No arguments.
{
"type": "object",
"properties": {}
}We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Nov 7, 2026.