# KeepUp MCP server and public API

KeepUp (https://keepup.finance) is a personal net worth tracker. It publishes household
wealth-distribution data – the net worth needed to reach the median, the top 10%, and the
top 1% in 86 countries – as web pages, as an MCP server, and as a plain REST API. This page
describes the two machine interfaces. Everything here is public, read-only, and aggregate:
no personal or account data is reachable, and nothing requires a key.

## MCP server

- Endpoint: https://api.keepup.finance/mcp
- Transport: Streamable HTTP (JSON-RPC 2.0 over POST), protocol version 2025-06-18
- Authentication: none. Stateless – no session id, no server-to-client stream.
- GET https://api.keepup.finance/mcp returns a JSON description of the server: the tools,
  their schemas, how to connect, and the REST twin of each tool.

### Tools

| Tool | Arguments | Returns |
| --- | --- | --- |
| net_worth_percentile | net_worth_usd (number > 0); country (ISO 3166-1 alpha-2 code or WORLD, optional – omit for the world) | percentile, top_percent, and a one-sentence summary |
| country_net_worth_thresholds | country (required) | household net worth in USD for the median and the top 25 / 10 / 5 / 1% |
| list_supported_countries | none | every country code with data, and whether it has survey breakpoints |

### Connect

Claude Code:

    claude mcp add --transport http keepup https://api.keepup.finance/mcp

Any other MCP client (Claude Desktop, ChatGPT, Cursor, …): add a remote MCP server using
Streamable HTTP at https://api.keepup.finance/mcp. There is no token to enter.

curl:

    curl -X POST https://api.keepup.finance/mcp \
      -H 'Content-Type: application/json' \
      -d '{"jsonrpc":"2.0","id":1,"method":"tools/call","params":{"name":"net_worth_percentile","arguments":{"net_worth_usd":250000,"country":"DE"}}}'

## REST API

Base URL: https://api.keepup.finance/public – JSON, no key.
Interactive docs: https://api.keepup.finance/public/docs
OpenAPI: https://api.keepup.finance/public/openapi.json

- GET /public/net-worth-percentile?net_worth_usd=250000&country=DE – percentile of a
  household net worth in a country (omit country for the world)
- GET /public/countries/DE/net-worth-thresholds – net worth needed for the median and the
  top 25 / 10 / 5 / 1%
- GET /public/countries – every country with data, with its ISO code

Example – GET https://api.keepup.finance/public/net-worth-percentile?net_worth_usd=250000&country=DE

```json
{
  "country": "DE",
  "country_name": "Germany",
  "net_worth_usd": 250000.0,
  "percentile": 76.4,
  "top_percent": 23.6,
  "summary": "A household net worth of $250,000 ranks around the 76.4th percentile in Germany — top 23.6%.",
  "as_of": "National wealth surveys 2021–2022 and the UBS Global Wealth Databook 2023.",
  "methodology": "Household net worth in USD. Percentiles come from a log-normal fit to national wealth surveys (US Fed SCF, ECB HFCS, national statistical offices, UBS). Treat figures as close estimates, not to-the-dollar values.",
  "source_url": "https://keepup.finance/net-worth-percentile"
}
```

Example – GET https://api.keepup.finance/public/countries/DE/net-worth-thresholds returns
`thresholds` of median $97,400, top 25% $235,968, top 10%
$523,700, top 5% $844,004, top 1% $3,200,000
(USD, household), with the same as_of and methodology fields.

## Data

- National wealth surveys 2021–2022 and the UBS Global Wealth Databook 2023.
- Household net worth in USD. Percentiles come from a log-normal fit to national wealth surveys (US Fed SCF, ECB HFCS, national statistical offices, UBS). Treat figures as close estimates, not to-the-dollar values.
- Every figure is the same one shown on https://keepup.finance/net-worth-percentile; each
  country page also has a Markdown twin, for example
  https://keepup.finance/net-worth-percentile/germany.md.
- Citation: KeepUp, "Net worth percentiles by country", https://keepup.finance/net-worth-percentile

## Limits and scope

- Rate limit: 300 requests per minute per IP on api.keepup.finance. Responses carry
  Cache-Control: public, max-age=3600.
- Read-only, aggregate only. There is no personal MCP: KeepUp does not expose any user's
  net worth, ranking, or accounts to agents. KeepUp itself never moves money – every bank
  connection is read-only.
- Questions: support@keepup.finance. Security: https://keepup.finance/.well-known/security.txt

## More machine-readable KeepUp

- https://keepup.finance/llms.txt – curated index of the site
- https://keepup.finance/llms-full.txt – the full text of the public pages in one file
- https://keepup.finance/sitemap.xml – every page and its Markdown twin