SwitchWize MCP changelog

https://www.switchwize.com/llms.txt

− # Last updated: October 20, 2026− - Read-only tool discovery: https://www.switchwize.com/api/public/tools lists all 16 agent-callable public data tools: get_top_rates, get_top_hysa_rates, get_bank_gap, compare_switch_savings, get_rate_freshness, get_index_dataset, get_bank_gap_index, get_reality_score, get_card_offers, get_transfer_bonuses, get_card_changes, get_reward_valuations, best_move_this_week, get_cd_rollover_rules, get_card_downgrade_path, and get_fed_hike_pass_through. Invoke individual tools with POST https://www.swit− - MCP server: hosted, remote-callable at https://www.switchwize.com/api/mcp (Streamable HTTP transport, stateless — no session setup needed, just send standard MCP JSON-RPC requests: initialize, tools/list, tools/call). All 16 tools expose input/output schemas, read-only annotations, source and freshness metadata, plus both structured content and a text fallback. The same tools are also available as a local stdio server (packages/mcp-server, `npm run mcp:start`) for repo clones/Claude Desktop.+ # Last updated: October 31, 2026+ - CD rates today, best APY for each term from 3 months to 5 years: https://www.switchwize.com/cd-rates-today+ - CD rates today as JSON (best, median and top-quartile APY by term): https://www.switchwize.com/data/cd-rates-today.json+ CD ladder builder, best bank for each rung today with a calendar of maturity dates: https://www.switchwize.com/cd-ladder-builder+ Break my CD, the rate a new CD must beat to cover the early withdrawal penalty and which banks pay more today: https://www.switchwize.com/break-my-cd+ CD maturity planner, what banks pay today for money coming out of a maturing CD and when to start comparing: https://www.switchwize.com/cd-maturity-planner+ - State taxes for retirees, ranked by yearly income, property and sales tax: https://www.switchwize.com/state-taxes+ - Property tax relief finder for older and disabled homeowners: https://www.switchwize.com/property-tax-relief+ - Treasury bills vs CD vs high-yield savings (after federal and state tax): https://www.switchwize.com/compare/treasury-bills-vs-cd-vs-high-yield-savings+ - CD vs no-penalty CD vs high-yield savings calculator: https://www.switchwize.com/compare/cd-vs-no-penalty-cd-vs-high-yield-savings+ - Bank bonus vs high-yield savings (break-even bonus) calculator: https://www.switchwize.com/compare/bank-bonus-vs-high-yield-savings+ - Chase Sapphire Preferred vs Amex Gold calculator (spending caps, credits you would use): https://www.switchwize.com/compare/amex-gold-vs-sapphire-preferred+ - Read-only tool discovery: https://www.switchwize.com/api/public/tools lists all 18 agent-callable public data tools: get_top_rates, get_top_hysa_rates, get_bank_gap, compare_switch_savings, get_rate_freshness, get_index_dataset, get_bank_gap_index, get_reality_score, get_card_offers, get_transfer_bonuses, get_card_changes, get_reward_valuations, best_move_this_week, get_cd_rollover_rules, get_card_downgrade_path, get_fed_hike_pass_through, compare_accounts (compare two to five named banks for + - MCP server: hosted, remote-callable at https://www.switchwize.com/api/mcp (Streamable HTTP transport, stateless — no session setup needed, just send standard MCP JSON-RPC requests: initialize, tools/list, tools/call). All 18 tools expose input/output schemas, read-only annotations, source and freshness metadata, plus both structured content and a text fallback. Every tool has a version and a stable or beta flag, and every reply carries asOf, source, attribution and toolMeta (version, stability

• + compare_accounts
• + business_card_cost

https://www.switchwize.com/llms.txt

− # Last updated: September 18, 2026+ # Last updated: October 20, 2026+ - Checking and savings account options calculator: https://www.switchwize.com/compare/checking-vs-savings-account+ - Business credit card fees vs rewards calculator: https://www.switchwize.com/compare/business-credit-card-fees-vs-rewards+ - Chase Ink Business Preferred vs Ramp (who can apply, and the break-even cash back rate): https://www.switchwize.com/compare/chase-ink-business-preferred-vs-ramp+ - Savings account vs money market account vs CD calculator: https://www.switchwize.com/compare/savings-vs-money-market-account-vs-cd

https://www.switchwize.com/llms.txt

+ - Trump Accounts Guidebook (12 chapters: the $1,000 child account, Form 4547, the $5,000 limit, employer money, taxes, age 18, gifts, state tax): https://www.switchwize.com/learn/trump-accounts-guidebook+ - Where to Park It (10 chapters: savings vs money market vs CD, why rates differ, fine print, a $100,000 plan, tax, the Fed, cash by age, other options): https://www.switchwize.com/learn/where-to-park-it-guidebook

description

Verified US rate, savings-gap, card, CD, and product-change tools with freshness and sources. → Sixteen read-only US rate, savings-gap, Fed, card and CD tools with sources and freshness.

version

0.2.2 → 0.3.0

https://www.switchwize.com/llms.txt

−   Short answer: Your bank passed on the Fed hike only if its savings rate rose after September 16. Search your bank in the calculator to see its rate before and after, the share of the quarter-point increase it passed on, and the dollars a year you would gain at the banks that did.−   Short answer: No. The pending Main Street Depositor Protection Act would add insurance for noninterest-bearing transaction accounts, such as business payroll accounts, and it has not become law. A savings account pays interest, so it falls outside the proposal, and the standard $250,000 limit still applies per bank and ownership category. The headlines give you no reason to move money.−   Short answer: Probably yes. Most default sweeps in our index pay close to nothing: on $25,000, the median default earns about $5 a year, while a top high-yield savings account earns hundreds of dollars. You can fix it without leaving your broker by buying a money market fund, or by moving the cash to an insured savings account.−   Short answer: That turns on where the app keeps your money. Insurance can protect you if a partner bank fails, but not if the app itself fails, and it reaches you only if the records show what you own. Check the named bank in FDIC BankFind, then see how much sits above the limit.−   Short answer: Keep money you need within five years in an insured savings account. Use a 529 for education costs at least five years out. A Trump Account suits a long head start you will not touch before adulthood. A custodial account suits gifts the child will own. Check the kiddie tax line before building a big balance in a child's name.+   Short answer: Your bank passed on the Fed hike only if its advertised savings rate rose after September 16. Search your bank in the calculator to see that rate before and after, the share of the quarter-point increase it passed on, and the dollars a year you would gain at the highest-paying banks that raised their rate.+   Short answer: No. The pending Main Street Depositor Protection Act would add insurance for noninterest-bearing transaction accounts, such as business payroll accounts, and it has not become law. A savings account that pays interest falls outside the proposal, and the standard $250,000 limit still applies per bank and ownership category. The headlines give you no reason to move money.+   Short answer: Probably yes. Most default sweeps in our index pay close to nothing: on $25,000, the median default earns under $10 a year, while a top high-yield savings account earns more than $1,000. You can fix it without leaving your broker by buying a money market fund, or by moving the cash to an insured savings account.+   Short answer: That turns on where the app keeps your money. Insurance can protect you if a partner bank fails, but not if the app itself fails, and it reaches you only if the pass-through conditions are met, including records of what you own. Check the named bank in FDIC BankFind, then see how much sits above the limit.+   Short answer: As a rule of thumb (SwitchWize guidance, not a regulation), keep money you need within five years in an insured savings account. Use a 529 for education costs at least five years out. A Trump Account suits a head start your child will own. Check the kiddie tax line before building a big balance in a child's name.+ - 4% Rule Stress Test: https://www.switchwize.com/calculators/four-percent-rule-stress-test+ - ACA Subsidy Cliff Calculator (2027 marketplace tax credit, 48 states and DC): https://www.switchwize.com/calculators/aca-subsidy-cliff+ - 2027 ACA premium tax credit cliff guide with calculator (includes Alaska and Hawaii): https://www.switchwize.com/learn/aca-premium-tax-credit-cliff-2027+ - ARM reset 2027 guide with calculator (new rate, refinance break-even, pay-down before the reset): https://www.switchwize.com/learn/arm-reset-2027-refinance-or-pay-down+ - Approved deposit feeds (JSON): https://www.switchwize.com/data/approved-rates/{category}, where category is hysa, mma, checking, or cds, returns the editor-approved release for that category with a fixed snapshot_id, per-product terms and the receipt behind each one. A category with no approved release returns no rates and says so. https://www.switchwize.com/data/status shows each category's state and data age, https://www.switchwize.com/data/releases the release and correction history, and ht

• + get_fed_hike_pass_through