What it does, and what it does not
What it does
- Works out your plan to age 100 from four numbers (your age, net monthly salary, savings and monthly spending): the worst case, the likely path and the best case, with prices and pay rising every year.
- Says when you could stop working, and leads with today’s money, saying which euros each amount is in.
- Tests a change against your plan, as the planner’s “Test a change” card does: “Buy a home”, “Buy a car”, “Spend more or less” and “Change jobs”.
- Draws the plan as a chart in the chat, where ChatGPT and Claude show one.
- Ends every answer with a link that opens the planner on the numbers from the chat. Nothing is saved until you press “Keep them” or change something.
- Linked to your F2 Tool account, answers on the plan you keep here, says how you are doing from your check-ins, and tests the what-ifs you saved.
What it does not do
- Advise. Asked “should I?”, it shows what the numbers say under each choice and leaves the choice to you.
- Name, rank or sell a fund, a broker or a pension company. No ads, and no link that earns anything.
- Move money, or connect to your bank.
- See your chat. It gets only what the assistant sends it for an answer, and its answer becomes part of your chat, which OpenAI or Anthropic keeps under its own privacy policy.
- Keep the numbers you give in a chat. They are used for that answer.
- Get your name, email address or picture, or the names you gave your expenses, even when it is linked.
- Change your plan. A linked assistant reads it; only you change it, on the planner.
Add it to Claude
On claude.ai or in the desktop app, on any plan: a Free plan takes one custom connector.
Add a custom connector
Open Customize → Connectors, press + next to Connectors and choose Add custom connector.
Paste the address
Name it F2 Tool and paste
https://f2tool.com/mcp. Leave Advanced settings empty and press Add.Choose when to sign in
Claude asks how to sign in. Choose Sign in when needed: F2 Tool then works without an account, and Claude asks you to connect only when a question needs your saved plan. No sign-in never links; Sign in now links at once.
Let it answer without asking every time
Until you say otherwise, Claude asks before each of F2 Tool’s answers. Open F2 Tool in Customize → Connectors and, under Tool permissions, set the read-only tools and the interactive ones, which draw the chart, to Always allow. Allow always, when Claude asks, does the same for one tool.
Ask
In a chat, check that F2 Tool is switched on (+ at the lower left, then Connectors), and ask about your money. There are examples below.
On a phone: add F2 Tool on the web or in the desktop app first, and the Claude app has it too.
Add it to ChatGPT
F2 Tool is not in ChatGPT’s plugin directory, so ChatGPT takes it through developer mode, on the web. OpenAI lists developer mode for Plus, Pro, Business, Enterprise and Edu accounts; a Free account in Bulgaria had it too when we tried, in September 2026.
Turn on developer mode
Open Settings → Security and login and turn on Developer mode. ChatGPT warns that it is meant for developers and that the apps added this way are not reviewed. F2 Tool’s tools only calculate, and read your saved plan if you link it: none of them can change anything.
Create the app
Open Plugins, press + and choose Create MCP App. Name it F2 Tool and paste
https://f2tool.com/mcpas its address.Choose how it signs in
For authentication choose OAuth or no authentication: F2 Tool then works without an account, and ChatGPT asks you to connect only when a question needs your saved plan. No authentication never links; OAuth links at once. Then create the app.
Ask
In a chat, press +, choose Developer mode and pick F2 Tool, then ask. ChatGPT runs F2 Tool’s read-only tools without asking you first.
Refresh it after F2 Tool changes
ChatGPT keeps the tools it read when you added F2 Tool, and does not look again by itself. They last changed on 29 September 2026: if you added F2 Tool before that, open it under Plugins, choose Manage and then Manage app in its ⋯ menu, press Refresh tools and start a new chat. If the chart still looks as it did, remove F2 Tool and add it again.
What to ask
In your own words and your own language. The first question needs your four numbers; after that, one change at a time.
- I’m 34, I earn 2,100 € net a month, I have 15,000 € saved and spend 1,250 € a month. When can I stop working?
- And if at 36 I buy a flat for 150,000 € with 30,000 € down, instead of paying 500 € rent?
- What if I spend 200 € less every month?
- What if I change jobs for 2,800 € net?
Linked, it knows your plan:
- How am I doing?
- Can I spend 2,000 € on a holiday this year?
- Test the flat I saved in the planner.
Link your plan
Optional. Without a link the assistant needs your four numbers in the chat. Linked to your F2 Tool account, it answers on the plan you keep here.
Ask something only your plan can answer
With Sign in when needed in Claude, or OAuth or no authentication in ChatGPT, the assistant asks you to connect the first time a question needs your plan, such as “How am I doing?”.
Sign in and approve
F2 Tool’s own page opens at f2tool.com. Sign in with Google (a link needs an F2 Tool account, and the numbers you saved in that browser come with you), then approve the assistant on the page that names it.
Ask about your plan
The assistant now answers on your saved plan, with no numbers to type. Numbers you give in the chat count for that answer only.
A linked assistant reads the figures of your saved plan and your check-ins when you ask about them. It never gets your name, email address or picture, the names you gave your expenses, or your birthday. What a link keeps, and for how long: the privacy notice.
To end a link at once, open the planner signed in, and press Unlink beside the assistant under “Linked assistants”. Removing F2 Tool inside ChatGPT or Claude does not end the link here: a link unused for 90 days lapses by itself, and every link ends a year after it was made.
Other assistants and apps
Any assistant or app that can add a remote MCP server by its address can use F2 Tool at https://f2tool.com/mcp. It speaks MCP over Streamable HTTP and needs no key; an app that supports linking finds F2 Tool’s sign-in (OAuth) by itself.
Gemini, Perplexity, Mistral’s Le Chat and Grok each have a way to add one, some on paid plans only. We have tried only ChatGPT and Claude.
The tools
What the assistant can call, by the names it shows. Their descriptions, which tell the assistant when to call each, are in English.
project_savings: Your plan to age 100 from four numbers: when you could stop, and the worst case, the likely path and the best case. (Draws the chart)what_if_home🏠 Buy a home,what_if_car🚗 Buy a car,what_if_spending🎉 Spend more or less,what_if_career💼 Change jobs: The plan with one change beside the plan without it, the change drawn as a dashed line: one tool for each change the planner’s “Test a change” card offers. (Draws the chart)progress_report: How you are doing, from the check-ins you make in the planner. (Needs a link)