// MCP TOKEN COST

The FalaZuki Finance BR MCP server costs 30,217 tokens before the first call.

Every request your agent makes carries every tool definition this server exposes — context your code, documents and conversation can't use, mostly for tools the agent never calls. You don't need them all in the window, and you don't have to pay for them.

QUICK ANSWER The FalaZuki Finance BR MCP server's 114 tool definitions consume 30,217 tokens — 15% of a 200k context window, and 16× the median MCP server (1,879 tokens). A scoped grant exposing only the tools you use cuts that roughly in proportion.

MEASURED FROM SCHEMAS tiktoken o200k_base · rank #100 of 9,299 measured servers · refreshed every build Method →

// CONTEXT WINDOW SHARE

What that costs before your agent starts working.

Tool definitions are overhead: they occupy context on every request and compete with your code, documents and conversation history for the same window.

200K WINDOW 15%

1M WINDOW 3.0%

Corpus context: FalaZuki Finance BR ranks #100 of 9,299 measured MCP servers by definition cost. The median is 1,879 tokens, p90 is 13,073, and the heaviest (Ainumbers Mcp Apps) is 342,008 — 171% of a 200k window on its own. New to this? See MCP token cost and context window in the glossary.

Token cost is one axis. See the risk picture across your whole stack →

// PER-TOOL BREAKDOWN

Where the 30,217 tokens go.

Each row is one tool definition as a tools/list entry — name, description and input schema — counted with o200k_base. Average: 265 tokens per tool.

Tool	Category	Tokens	% of server
check_severance	Read	1,050	3.5%
check_payslip	Read	912	3.0%
calculate_severance	Read	592	2.0%
can_i_quit_job	Read	535	1.8%
calculate_ganho_capital_imovel	Read	526	1.7%
check_irrf_deduction	Read	497	1.6%
calculate_darf	Read	476	1.6%
get_rates_history	Read	447	1.5%
check_irpf_obligation	Read	434	1.4%
calculate_rent_vs_buy	Read	426	1.4%
calculate_car_affordability	Read	410	1.4%
calculate_carne_leao	Read	406	1.3%
calculate_raise_vs_inflation	Read	406	1.3%
calculate_civil_monetary_update	Write	402	1.3%
calculate_rpa	Read	387	1.3%
calculate_salary_time_value	Read	374	1.2%
calculate_employee_cost	Read	372	1.2%
calculate_car_ownership_cost	Read	371	1.2%
compare_pgbl_vgbl	Read	357	1.2%
calculate_life_insurance_need	Read	347	1.1%
check_inss_deduction	Read	338	1.1%
calculate_custo_demissao	Read	331	1.1%
calculate_card_machine_fee	Read	325	1.1%
calculate_payroll_loan	Read	323	1.1%
calculate_average_price	Read	307	1.0%
evaluate_pj_offer	Read	306	1.0%
calculate_overtime	Read	301	1.0%
compare_fuel	Read	297	1.0%
get_accumulated_return	Read	297	1.0%
calculate_dividend_income_goal	Read	296	1.0%
calculate_transicao_aposentadoria	Read	295	1.0%
simulate_income_tax	Read	294	1.0%
calculate_consorcio	Read	287	0.9%
calculate_acordo_divida	Read	284	0.9%
calculate_hourly_wage	Read	284	0.9%
calculate_imposto_cripto	Read	283	0.9%
calculate_required_raise	Read	281	0.9%
calculate_break_even	Read	276	0.9%
calculate_debt_payoff	Read	273	0.9%
calculate_ipca_plus	Read	272	0.9%
calculate_emergency_fund	Read	271	0.9%
calculate_compound_interest	Read	270	0.9%
calculate_multa_aluguel	Read	269	0.9%
calculate_first_million	Read	267	0.9%
calculate_credit_card_interest	Read	266	0.9%
calculate_financial_independence	Read	265	0.9%
compare_with_cdb	Read	265	0.9%
calculate_come_cotas	Read	264	0.9%
calculate_optimal_prolabore	Read	260	0.9%
calculate_rent_affordability	Read	260	0.9%
calculate_pj_invoice	Read	255	0.8%
calculate_dias_uteis	Read	254	0.8%
calculate_retirement	Read	253	0.8%
calculate_equivalent_rate	Read	251	0.8%
calculate_gross_from_net	Read	251	0.8%
calculate_rule_of_three	Read	250	0.8%
calculate_energy_consumption	Read	249	0.8%
calculate_import_tax	Write	249	0.8%
calculate_financing	Read	247	0.8%
calculate_savings_return	Read	242	0.8%
compare_loans	Read	242	0.8%
calculate_cet	Read	237	0.8%
calculate_net_salary	Read	236	0.8%
calculate_simple_interest	Read	234	0.8%
calculate_antecipacao_fgts	Read	232	0.8%
calculate_adicional_noturno	Read	228	0.8%
calculate_iof_resgate	Read	228	0.8%
calculate_inflation_adjustment	Read	225	0.7%
calculate_imposto_dividendos	Read	224	0.7%
calculate_net_worth_benchmark	Read	224	0.7%
calculate_vacation_pay	Financial	221	0.7%
calculate_percentil_renda	Read	220	0.7%
calculate_dividend_yield	Read	218	0.7%
calculate_investment_return	Read	217	0.7%
calculate_tesouro_prefixado	Read	216	0.7%
calculate_cdi_yield	Read	215	0.7%
calculate_fator_r	Read	214	0.7%
calculate_annual_salary	Read	213	0.7%
calculate_late_das	Read	209	0.7%
advise_investment	Read	208	0.7%
calculate_markup	Read	208	0.7%
calculate_inss_autonomo	Read	207	0.7%
calculate_lci_lca	Read	207	0.7%
calculate_unemployment_insurance	Read	196	0.6%
calculate_imposto_apostas	Read	190	0.6%
convert_currency	Write	188	0.6%
calculate_opportunity_cost	Read	186	0.6%
calculate_rent_adjustment	Read	185	0.6%
compare_clt_vs_pj	Read	185	0.6%
calculate_thirteenth_salary	Read	182	0.6%
calculate_real_salary	Read	179	0.6%
calculate_aviso_previo	Read	177	0.6%
calculate_discount	Read	176	0.6%
calculate_fgts	Read	172	0.6%
calculate_mei_tax	Read	171	0.6%
calculate_tesouro_selic	Read	171	0.6%
advise_tax_regime	Read	169	0.6%
calculate_installment	Read	162	0.5%
calculate_simples_nacional	Read	152	0.5%
get_average_salary	Read	142	0.5%
calculate_weekday	Read	125	0.4%
get_irpf_table	Read	123	0.4%
get_inss_table	Read	111	0.4%
list_top_professions	Read	110	0.4%
get_cost_of_living	Read	104	0.3%
calculate_budget	Read	103	0.3%
compare_investments	Read	101	0.3%
get_tesouro_direto	Read	98	0.3%
get_focus_expectations	Read	93	0.3%
search_calculator	Read	88	0.3%
get_current_rates	Read	80	0.3%
get_falazuki_info	Read	66	0.2%
get_minimum_wage_history	Read	59	0.2%
get_bank_holidays	Read	55	0.2%

// CUT THE COST

Your agent uses a handful of these tools. It pays for all 114.

You don't need all 114 of those definitions in the window. PolicyLayer is an MCP gateway that sits in front of FalaZuki Finance BR: only the tools you grant are exposed to the agent, the rest never load. A smaller window means a sharper agent — less noise when it picks a tool — and every request costs less:

Grant scope	Definition cost	Reduction
All 114 tools (no gateway)	30,217 tokens	—
3 granted tools	~795 tokens	−97%
5 granted tools	~1,325 tokens	−96%
10 granted tools	~2,651 tokens	−91%

The risk dividend: 1 of these 114 tools are critical-risk (destructive or financial) and cost 221 tokens (1% of the definition load). Block them — the recommended starter policy — and you reclaim that context before tuning anything else.

Create a free account and register FalaZuki Finance BR — nothing to install.
Grant only the tools you use — ungranted definitions never enter the context window.
Point your MCP client (Claude, Cursor, anything) at your gateway URL.

CUT FALAZUKI FINANCE BR TOKEN COST →

Instant setup, no code required.

Model your own stack in the token-cost calculator, or see the FalaZuki Finance BR policy for what a sensible grant looks like.

//FAQ

FalaZuki Finance BR token-cost questions.

How many tokens does the FalaZuki Finance BR MCP server use?+

Its 114 tool definitions total 30,217 tokens — 15% of a 200k context window — measured with tiktoken o200k_base over the serialised tools/list payload. Exact counts vary slightly by client and model.

Why does FalaZuki Finance BR consume tokens before I send a message?+

MCP clients load every connected server's tool definitions — name, description, and input schema — into the model's context so it knows what it can call. That payload is charged against your context window on every request, whether or not a tool is used.

How do I reduce FalaZuki Finance BR's token usage?+

Expose fewer tools. A PolicyLayer grant scopes FalaZuki Finance BR to only the tools you allow — ungranted definitions are filtered out of the tool list, so they never enter the context window. A grant of 3 typical tools costs roughly 795 tokens, a 97% reduction.

Does deferred tool loading fix this?+

Partially, in some clients. Claude Code defers MCP tool schemas behind a tool-search step by default, and VS Code has experimental grouping — but you still pay tokens per search and reload, and Cursor, Windsurf and Gemini CLI load definitions upfront. Reducing the exposed tool set cuts the cost in every client.

// METHOD & REVIEW

How these numbers were measured.

Serialisation

Each tool is serialised as a tools/list entry — name, description, input schema — from the schemas in the PolicyLayer scan database. Clients differ slightly in framing, so treat counts as close estimates.

Tokeniser

tiktoken o200k_base (GPT-4o/o-series). Anthropic's current tokeniser isn't published, so Claude's exact counts will differ; for English text and JSON schemas the totals are close enough to treat these as estimates.

Deferred loading

Some clients now defer schema loading (Claude Code's tool search; VS Code experimental grouping). You still pay per search and reload — and Cursor, Windsurf and Gemini CLI load everything upfront.

Computed 20-09-2026 from the PolicyLayer scan database over all 114 catalogued FalaZuki Finance BR tools. Counts refresh with every site build.

Expose only the tools you use — the rest never enter your context.

A PolicyLayer grant scopes FalaZuki Finance BR to the tools you actually allow. Ungranted definitions never load, and every call that does run is checked against policy first.

CUT FALAZUKI FINANCE BR TOKEN COST →

Instant setup, no code required.

46,500+ MCP servers and 515,000+ tools scanned and risk-classified.