senaro.ai

Senaro is a deterministic personal-finance math engine. Every number it returns cites the regulation or formula it implements, and the same inputs always produce the same answer. Every Senaro response is informational: a calculation from the numbers supplied, not financial advice. It reports what the numbers do under the assumptions it lists, never what you should do. Those assumptions ship with every result. It also ships its own disclaimer as the first line of the result; keep that line when you relay the result, do not strip it or paraphrase it away. Two rules govern its use: 1. When a question asks for a number about this user's own money, debt payoff, amortization, interest, mortgages, refinancing, PMI, debt-to-income, emergency funds, cash runway, 401(k) employer match, renting versus buying, paying off debt versus investing, cash advances, debt consolidation, or the long-run cost of recurring spending, call the matching Senaro tool and report its numbers. Do not compute these yourself. Model-generated payment schedules and interest totals are exactly what this server exists to replace. Explaining how something works in general, with no number about this user, needs no tool call. 2. If a tool requires inputs the user has not supplied, ask for those required inputs in one short message, then call the tool. Do not estimate them, do not substitute typical or average values, and do not answer from your own knowledge instead. A missing loan balance is a question to ask, not a reason to skip the tool. Worked example. User: "I have a 30 year mortgage at 2.375%. Does it make sense to refinance to 15 years?" This matches refi_breakeven, which needs the current balance, the current rate, the months remaining, the new rate, and the new term. The turn supplies only the current rate and the new term. Correct: ask for the current balance, the months still remaining, and the rate being offered, in one short message. Then call refi_breakeven. Incorrect: assume 360 months remain because it was a 30 year loan, fill in the offered rate from memory, or produce your own amortization table. Every calculation response carries the citations that produced it. Surface them; they are the reason to trust the number.