Ahorro (Savings)

Ahorro (Savings) — connector documentation

• MCP endpoint: https://ahorro.connectorbay.com/mcp
• REST API: POST https://ahorro.connectorbay.com/v1/tools/{tool_name}, described by the OpenAPI 3.1 spec at https://ahorro.connectorbay.com/openapi.json
• Transport: Streamable HTTP, stateless, MCP specification 2025-06-18 or later
• Authentication: none required. An optional Authorization: Bearer <key> raises rate limits.
• Health: https://ahorro.connectorbay.com/health · Tool schemas: https://ahorro.connectorbay.com/tools.json
• Publisher: Unify Dynamics LLC · connectorbay.com/ahorro · agent@connectorbay.com

About Ahorro (Savings)

Ahorro ("savings" in Spanish) is a Mexican personal-finance calculator toolkit: nine calculators computed locally with standard formulas plus verified, dated Mexican tax and legal figures — no upstream calls, no accounts and no tracking.

• CETES calculator computes the maturity value of a CETES-style fixed-term investment using simple interest over a 360-day year, given an annual rate you supply — it never assumes or hardcodes a "current" CETES rate.
• ISR calculator computes monthly income-tax withholding for a salaried individual using the current SAT bracket table (Art. 96 LISR), showing the bracket-by-bracket math.
• Aguinaldo calculator computes Mexico's mandatory year-end bonus (legal minimum 15 days' salary, Art. 87 LFT), prorated for partial-year employment.
• Prima vacacional calculator computes the mandatory vacation premium (legal minimum 25% of vacation pay, Art. 80 LFT), and can check the vacation days entered against the legal minimum for a given seniority (Art. 76 LFT, the 2023 "vacaciones dignas" reform).
• Afore projector projects a retirement (Afore) balance using standard compound-growth math, with the return rate clearly labeled as an assumption you supplied — never a guarantee or historical average.
• UMA converter converts a figure expressed as "X times the UMA" into pesos using the current published daily, monthly or annual UMA value.
• Savings goal calculator computes the monthly savings required to reach a goal, with optional assumed compound growth.
• Inflation-adjusted value estimates real purchasing-power erosion under an inflation rate you supply.
• Finance glossary defines common Mexican personal-finance and tax terms: CETES, Afore, SIEFORE, UMA, ISR, IVA, SAT, RFC, homoclave, retención, aguinaldo, prima vacacional, and CONDUSEF.

Every ISR bracket, the UMA value, and the aguinaldo/prima vacacional legal minimums are real published figures carrying an as_of date and a cited source (SAT, INEGI, or the Ley Federal del Trabajo) — verify against those sources before relying on a figure, since tax brackets and legal minimums change. Every assumed rate of return or inflation is exactly that: an assumption you supplied, never a guaranteed or "current market" rate.

Built and maintained by Unify Dynamics LLC. Contact: agent@connectorbay.com.

Tools

Investments

cetes_calculator — CETES-style fixed-term maturity value using simple interest over a 360-day year (standard money-market convention). Use for "what does 50,000 pesos in CETES at 10.5% for 182 days become". Args: amount, annual_rate_percent, days.

afore_projector — Afore retirement-balance projection using standard compound-growth math (future value of a lump sum plus an ordinary annuity of monthly contributions). The return rate is your own assumption, never a guaranteed or historical-average figure. Use for "project my Afore if I have 200,000 pesos and contribute 1,500 a month for 30 years at an assumed 6% return". Args: current_balance, monthly_contribution, years, assumed_annual_return_percent.

savings_goal_calculator — Required monthly savings to reach a goal by a target month, with optional assumed compound growth. Use for "how much do I need to save monthly to reach 100,000 pesos in 24 months". Args: goal_amount, months, current_savings, assumed_annual_return_percent.

Taxes & payroll

isr_calculator — Mexican ISR (income tax) monthly withholding for a salaried individual using the current SAT bracket table (Art. 96 LISR), with the bracket-by-bracket math shown. Use for "ISR on a 25,000 monthly salary". Args: monthly_income.

aguinaldo_calculator — Mexico's mandatory year-end bonus (aguinaldo), legal minimum 15 days' salary (Art. 87 LFT), prorated for partial-year employment. Use for "aguinaldo for someone earning 500 pesos a day who worked 200 days". Args: daily_salary, days_worked_in_year.

prima_vacacional_calculator — Mexico's mandatory vacation premium (prima vacacional), legal minimum 25% of the pay for the vacation days earned (Art. 80 LFT). Optionally cross-checks the days against the legal minimum for that seniority. Use for "prima vacacional for 12 vacation days at a 400 peso daily salary". Args: daily_salary, vacation_days_earned, years_of_service.

uma_converter — Converts a figure expressed as "X times the UMA" into pesos using the current published UMA value. Use for "how many pesos is 5 UMA" or "convert 30 UMA mensual to pesos". Args: multiple_of_uma, period.

Planning & reference

inflation_adjusted_value — Real purchasing-power erosion of an amount over time under an inflation rate you supply. Use for "what will 10,000 pesos be worth in 10 years at 4.5% assumed inflation". Args: amount, years, assumed_annual_inflation_percent.

finance_glossary — Defines Mexican personal-finance and tax terms: CETES, Afore, SIEFORE, UMA, ISR, IVA, SAT, RFC, homoclave, retención, aguinaldo, prima vacacional, CONDUSEF. Use for "what is a homoclave". Args: term.

Conventions

• Read-only. Every tool reads public data or computes; nothing is written anywhere and nothing about the user is stored.
• Result envelope. ok: true with data, or ok: false with a structured error (bad_input, not_found, upstream_error). degraded lists optional sources that were unreachable.
• Rate limits. Free tier 60 tool calls/minute and 300/day per user (keyed on the user identifier supplied by the host agent, else client IP); Pro keys raise this. Over-limit calls return HTTP 429 with Retry-After. initialize and tools/list are never counted.

Support

agent@connectorbay.com · connectorbay.com/ahorro/support

Ahorro (Savings) — Privacy Policy

Effective 24 September 2026. Unify Dynamics LLC ("we", "us"), Menlo Park, California.

What Ahorro is. Ahorro is a connector (an MCP server and REST API) that AI assistants and personal agents call on your behalf for Mexican personal-finance calculations: CETES fixed-term maturity, ISR withholding, aguinaldo, prima vacacional, an Afore projection, UMA conversions, savings-goal planning, and inflation-adjusted value. You interact with your assistant; the assistant sends us only the numbers needed for that one calculation.

What we receive. The arguments of each tool call — amounts, rates, days, years, salaries, and similar figures — the technical headers needed to serve the request (an IP address or a client identifier supplied by the assistant, and a Pro API key if you have one), and standard server logs.

Everything is computed on our server and nothing is stored. Every calculation uses standard formulas and verified, dated Mexican tax/legal figures computed from the numbers you provide; no request is forwarded to any third party, and no query — including any salary, savings, or investment figures you enter — is logged in request bodies, recorded, or used to train anything.

What we do not receive or store. We do not receive your conversation with the assistant, your name, RFC, CURP, bank account details, or account credentials, and we do not build a financial profile from your queries: each calculation is answered independently and nothing carries over between requests. Rate-limit counters (a client identifier and timestamps) are held in memory for at most 24 hours. Hosting-provider access logs, which contain IP addresses and request paths but not request bodies, are retained for up to 30 days for security and abuse prevention.

Sub-processors. None — every tool is computed locally. Hosting: Vercel (United States regions).

Legal bases and your rights. For users in Mexico, California, the EU/UK and elsewhere, our processing is necessary to provide the service you request through your assistant. Because we store no personal data beyond short-lived logs, requests to access, correct or delete personal data (derechos ARCO) are usually satisfied automatically; you can still contact agent@connectorbay.com and we will respond within 30 days. We do not sell or share personal information and do not use your data to train models.

Children. Ahorro is a general-audience service operated by the adult using the assistant.

Changes. We will post changes here with a new effective date.

Ahorro (Savings) — Terms of Service

Effective 24 September 2026. These terms govern use of the Ahorro connector ("the Service") operated by Unify Dynamics LLC ("we", "us").

1. The Service. Ahorro returns Mexican personal-finance calculations — CETES fixed-term maturity, ISR withholding, aguinaldo, prima vacacional, an Afore projection, UMA conversions, savings-goal planning, and inflation-adjusted value — computed with standard formulas and published legal/tax figures from the numbers you provide. It is accessed through an AI assistant or directly over MCP or HTTP.
2. Informational and educational only — not financial, tax, or legal advice. Ahorro's calculations are illustrative estimates based on figures and assumptions you supply (or the current published legal minimum/tax bracket where noted), not a recommendation to buy, sell, or hold any investment, and not individualized tax, retirement, or legal advice. Consult a financial adviser, a contador público, or a labor-law professional for guidance tailored to your situation.
3. Assumed rates are assumptions, not guarantees. Any rate of return or inflation rate you supply to a calculator (CETES rate, Afore or savings-goal return, inflation rate) is exactly that — an assumption for illustration. It is never a guaranteed, historical-average, or "current market" rate, and actual investment returns, deposit rates, and inflation vary.
4. Tax and legal figures change — verify independently. ISR brackets, the UMA value, and the aguinaldo/ prima vacacional legal minimums reflect the most recently published official figure at build time (each with an as_of date and cited source in the tool's response); the SAT, INEGI, and the Ley Federal del Trabajo are revised periodically. Always check the current official publication (sat.gob.mx, inegi.org.mx, dof.gob.mx) before relying on a projection.
5. Acceptable use. Automated use within the published rate limits is welcome.
6. Availability. The Service is provided "as is" without warranty. We may change, limit or discontinue it at any time.
7. Data. Our Privacy Policy describes what we process. In short: your query is answered on our server and nothing is stored.
8. Pro keys. Optional Pro API keys are issued at our discretion, are personal to the holder and may be revoked for abuse.
9. Liability. To the fullest extent permitted by law, Unify Dynamics LLC is not liable for any financial loss arising from use of or reliance on the Service. Our total liability is limited to US $100.
10. Governing law. California law; venue in San Mateo County, California.
11. Contact. Unify Dynamics LLC · agent@connectorbay.com · https://connectorbay.com/ahorro

Ahorro (Savings) support

Email agent@connectorbay.com. We answer within two business days.

• MCP endpoint: https://ahorro.connectorbay.com/mcp
• REST API: https://ahorro.connectorbay.com/openapi.json
• Live status: https://ahorro.connectorbay.com/health

When you report a problem, include the question you asked your agent, roughly when, and which agent you used (for example Claude, ChatGPT or Gemini). Never send us passwords, account numbers or ID numbers. Ahorro (Savings) never asks for them.