generated: '2026-09-14'
method: derived
source: >-
  Derived from the documented endpoint templates in
  https://ratesandlimits.com/api/v1/index.json . No hosted or local MCP server
  is published by the provider.
status: candidate
summary: >-
  No official MCP server exists. This is a DERIVED candidate tool list mapped
  from the five documented, keyless JSON endpoints, offered as a shape a server
  could take. No endpoint URL is asserted as an MCP surface.
deployment:
  mode: none
  endpoint: null
  install: null
  package: null
  auth: none
  verified: derived
tools:
  - name: list_programs
    description: Return the catalog of every published program, its years/states, and endpoints.
    backing_endpoint: /api/v1/index.json
    inputSchema:
      type: object
      properties: {}
  - name: get_latest_figures
    description: Return every program's current in-force figures with evidence, in one response.
    backing_endpoint: /api/v1/latest.json
    inputSchema:
      type: object
      properties: {}
  - name: get_program
    description: Return every year of one program.
    backing_endpoint: /api/v1/{program}.json
    inputSchema:
      type: object
      required: [program]
      properties:
        program: { type: string, description: Program slug, e.g. 401k-contribution-limit }
  - name: get_record
    description: Return one program's record for one year.
    backing_endpoint: /api/v1/{program}/{year}.json
    inputSchema:
      type: object
      required: [program, year]
      properties:
        program: { type: string }
        year: { type: integer }
  - name: get_state_record
    description: Return one record of a state-level program for one state and year.
    backing_endpoint: /api/v1/{program}/{state}/{year}.json
    inputSchema:
      type: object
      required: [program, state, year]
      properties:
        program: { type: string }
        state: { type: string }
        year: { type: integer }
notes:
  - >-
    A real server for this data would be trivial to host given the keyless
    static endpoints, but none is published; mode is none by design.