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Use when the user asks what paying half the mortgage eve"},{"name":"calculate_bmi_tdee","description":"Body mass index and category, Mifflin-St Jeor basal metabolic rate, total daily energy expenditure, and cut and bulk calorie targets. Use when the user asks abo"},{"name":"calculate_capital_gains_tax","description":"Federal tax on ordinary income plus short term gains at ordinary rates, with long term gains stacked at the 0, 15, and 20 percent thresholds for the filing stat"},{"name":"calculate_car_affordability","description":"Monthly loan payment plus running costs (insurance, fuel, and maintenance, given as annual amounts), total interest, and the five year cost of a car. Use when t"},{"name":"calculate_credit_card_payoff","description":"Months and interest to clear a credit card balance with a fixed monthly payment, compared with adding an extra monthly payment. A payment that never clears the "},{"name":"calculate_emergency_fund","description":"Target emergency fund for a chosen number of months of essential expenses, the remaining gap, percent funded, and months to fill it at a monthly savings rate. U"},{"name":"calculate_income_tax_estimator","description":"Federal income tax after pretax deductions and the standard deduction for the filing status, with AGI, taxable income, marginal rate, and effective rate. Use wh"},{"name":"calculate_lease_vs_buy","description":"Lease outlay over the lease term versus buy outlay net of equity in the car at the same point, with the winning option and the net cost difference. 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"},{"name":"calculate_aft","description":"Scores all five AFT events (deadlift, hand-release push-ups, sprint-drag-carry, plank, 2-mile run) from 0 to 100 each using the 17-21 anchor tables, for a 500-p"},{"name":"calculate_bah","description":"Monthly Basic Allowance for Housing from the 2026 RC/Transient baseline rate table by pay grade, with or without dependents, plus the annualized amount. 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A payment that never clears the "},{"name":"calculate_emergency_fund","description":"Target emergency fund for a chosen number of months of essential expenses, the remaining gap, percent funded, and months to fill it at a monthly savings rate. U"},{"name":"calculate_income_tax_estimator","description":"Federal income tax after pretax deductions and the standard deduction for the filing status, with AGI, taxable income, marginal rate, and effective rate. Use wh"},{"name":"calculate_lease_vs_buy","description":"Lease outlay over the lease term versus buy outlay net of equity in the car at the same point, with the winning option and the net cost difference. Use when the"},{"name":"calculate_net_worth","description":"Net worth, total assets, and total liabilities from comma separated asset and liability values, with optional matching names for the largest asset and liability"},{"name":"calculate_paycheck","description":"Per paycheck net pay after federal income tax, FICA (Social Security capped at 184500 of wages, Medicare, and the additional Medicare tax), a flat state tax rat"},{"name":"calculate_property_tax_estimator","description":"Annual and monthly property tax from the home value minus any exemption, at the given tax rate, with assessed value and effective rate. Use when the user needs "},{"name":"calculate_raise_vs_inflation","description":"Whether a raise beats inflation: nominal new salary, inflation adjusted real salary, the real percent change, and a real raise, real pay cut, or flat verdict. U"},{"name":"calculate_retirement_savings_planner","description":"Projected retirement balance from current savings plus monthly contributions with monthly compounding, total contributions, growth, and a 4 percent rule withdra"},{"name":"calculate_roth_conversion","description":"Value of converting to a Roth now, with the tax paid out of the converted amount, versus leaving the money in a traditional account taxed at the retirement rate"},{"name":"calculate_sba_loan","description":"Monthly payment for an SBA loan with the guarantee fee percent financed into the loan, plus the amount financed, total interest, and total cost. Use when the us"},{"name":"calculate_social_security_estimator","description":"Primary insurance amount from the bend point formula (1286 and 7749) applied to average indexed monthly earnings, with monthly benefits at ages 62, 67, and 70. 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The composite is the rounded average of the "},{"name":"calculate_ap_exam_score","description":"Predicted AP score from 1 to 5 using the page bands on the weighted composite percent: multiple choice and free response contributions are weighted by the exam "},{"name":"calculate_college_acceptance","description":"Rough acceptance chance: a selectivity tier base rate (92, 80, 50, 20, or 5 percent) adjusted by GPA and test score bands, clamped to 1 to 99 percent and labele"},{"name":"calculate_college_major_roi","description":"Payback years, lifetime earnings minus degree cost, and salary to cost ratio for a major, using the page table of approximate median early career salaries by ma"},{"name":"calculate_college_roi","description":"Earnings premium of a degree salary over a no degree baseline salary, both growing at the same annual raise rate, plus the net gain after degree cost, the break"},{"name":"calculate_dorm_vs_apartment","description":"Compares the annual dorm cost with an apartment: monthly rent over the number of months, plus annual utilities, extra food cost, and commuting cost. Returns bot"},{"name":"calculate_fafsa_sai_estimator","description":"Simplified Student Aid Index estimate using the page formula: parent income at 22 percent plus parent assets at 12 percent, student income above the 11770 incom"},{"name":"calculate_final_exam","description":"Score needed on the final exam to reach a desired course grade, with the best and worst possible course grades. Inputs are clamped as on the page: grades to 0 t"},{"name":"calculate_gpa","description":"Credit weighted GPA on the 4.0 scale using the page grade points: A+ and A 4.0, A- 3.7, B+ 3.3, B 3.0, B- 2.7, C+ 2.3, C 2.0, C- 1.7, D+ 1.3, D 1.0, F 0.0. Grad"},{"name":"calculate_gpa_planner","description":"Term GPA required over the planned credits to reach a target cumulative GPA, the maximum reachable cumulative GPA with straight As, and the grade mix the requir"},{"name":"calculate_graduate_school_roi","description":"Annual salary premium after a graduate degree, break-even years on the total cost, and lifetime net over the career years, using the page formulas. Use when the"},{"name":"calculate_gre_score_estimator","description":"Estimated GRE verbal and quant scores on the 130 to 170 scale: 130 plus the fraction of questions correct times 40, per section, plus the total. The optional wr"},{"name":"calculate_high_school_course_planner","description":"Credits still needed per subject against the page requirement table for the selected state (Texas, California, New York, Florida, or Illinois). Remaining per su"},{"name":"calculate_lsat_score_estimator","description":"Estimated LSAT scaled score on the 120 to 180 scale: 120 plus the overall fraction correct across the three sections times 60, with accuracy and the page score "},{"name":"calculate_mcat_score_estimator","description":"Estimated MCAT section scores on the 118 to 132 scale: 118 plus the fraction correct times 14, per section, plus the total on the 472 to 528 scale. Use when the"},{"name":"calculate_premed_course_planner","description":"Progress across the 13 premed prerequisites on the page, in page order: General Chemistry I and II, Organic Chemistry I and II, Biology I and II, Physics I and "},{"name":"calculate_psat_score","description":"Estimated PSAT section scores: 160 plus the fraction correct times 600, using the page fixed totals of 48 questions per section, plus the total and the page per"},{"name":"calculate_sat_score","description":"Estimated SAT section scores: 200 plus the fraction correct times 600, using the page fixed totals of 54 reading and writing questions and 44 math questions, pl"},{"name":"calculate_scholarship_roi_tracker","description":"Expected value of a scholarship application (award times win probability, clamped to 0 to 100 percent) and its expected value per hour of work, with the page ve"},{"name":"calculate_student_budget","description":"Monthly budget from job, parent, and aid income against rent, food, books, transport, and fun spending. Returns total income, total expenses, the balance, and t"},{"name":"calculate_student_loan_payoff","description":"Months to pay off a student loan and the total interest, computed month by month exactly as the page does. With an extra monthly payment, also returns the inter"},{"name":"calculate_textbook_cost","description":"Net cost of buying new, buying used, renting, and digital for a textbook. Purchase options are reduced by the resale value (floored at zero), and the cheapest o"},{"name":"calculate_transfer_credit_planner","description":"Credits remaining, terms remaining at the credits taken per term, years remaining at the terms per year, and credits per year. The graduation date label is not "}],"toolCount":69,"toolsHash":"665ed1cb8ceda890933ee66bf697481142d9c8058098f949d2d5efc8afc2a4e5","serverName":"everycalc","capabilities":["tools"],"serverVersion":"1.1.0","protocolVersion":"2025-03-26"}},{"at":"2026-10-23T08:29:21.268Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":54,"error":null,"detail":{"tools":[{"name":"calculate_mortgage","description":"Monthly mortgage payment breakdown: principal and interest via the amortization formula, plus property tax, homeowner insurance, PMI, and HOA. Use when the user"},{"name":"calculate_refinance","description":"Refinance break-even month and lifetime savings of refinancing a loan. Use when the user already has a loan and is weighing a refinance offer; it returns the br"},{"name":"calculate_affordability","description":"Maximum home price affordable from household income using the 28/36 rule. Use when the user asks how much house they can afford on their income. For the payment"},{"name":"calculate_loan","description":"Monthly payment, total interest, and optional amortization schedule for an amortizing loan. Use when the user wants the payment, total interest or payoff schedu"},{"name":"calculate_compound_interest","description":"Future value of an investment with monthly contributions and monthly compounding. Use when the user asks how savings or an investment grows over time with regul"},{"name":"calculate_percentage","description":"Percentage calculations in three modes: percent_of (x percent of y), what_percent (x is what percent of y), percent_change (change from old to new). Use when th"},{"name":"calculate_tip","description":"Tip amount, bill total, and per-person split. Use when the user is tipping or splitting a restaurant bill. IMPORTANT: always show the calculator_url from the re"},{"name":"calculate_salary","description":"Convert between hourly, daily, weekly, biweekly, monthly, and annual pay. Use when the user converts pay between hourly, weekly and annual figures. For take-hom"},{"name":"calculate_age","description":"Exact age from a birth date to a target date, broken into years, months, and days, plus total days lived, total hours lived, the weekday of birth, and days unti"},{"name":"calculate_auto_loan","description":"Monthly payment, amount financed, total interest, and total cost of a car for an auto loan after down payment and trade-in value are subtracted from the vehicle"},{"name":"calculate_date_duration","description":"Inclusive number of days between two dates, plus business days after optionally excluding weekends and 2026 US federal holidays, calendar weeks, weekend days, a"},{"name":"calculate_debt_payoff","description":"Simulates paying off a list of debts month by month with minimum payments plus an extra monthly payment, comparing the avalanche method (highest APR first) with"},{"name":"calculate_inflation","description":"What an amount in today's dollars will buy after a number of years at a given annual inflation rate, what today's basket will cost then, the cumulative price in"},{"name":"calculate_rent_vs_buy","description":"Compares the net cost of buying a home (down payment, mortgage payments, tax, insurance, and maintenance, minus principal repaid and appreciation gain) with the"},{"name":"calculate_roth_vs_traditional","description":"Compares a Roth and a traditional retirement account at the same pre-tax annual contribution: the Roth invests what is left after tax today and is tax free at w"},{"name":"calculate_unit_converter","description":"Converts a value between units in one category: length, weight, temperature, volume, or speed. 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Use when the user asks what paying half the mortgage eve"},{"name":"calculate_bmi_tdee","description":"Body mass index and category, Mifflin-St Jeor basal metabolic rate, total daily energy expenditure, and cut and bulk calorie targets. Use when the user asks abo"},{"name":"calculate_capital_gains_tax","description":"Federal tax on ordinary income plus short term gains at ordinary rates, with long term gains stacked at the 0, 15, and 20 percent thresholds for the filing stat"},{"name":"calculate_car_affordability","description":"Monthly loan payment plus running costs (insurance, fuel, and maintenance, given as annual amounts), total interest, and the five year cost of a car. Use when t"},{"name":"calculate_credit_card_payoff","description":"Months and interest to clear a credit card balance with a fixed monthly payment, compared with adding an extra monthly payment. A payment that never clears the "},{"name":"calculate_emergency_fund","description":"Target emergency fund for a chosen number of months of essential expenses, the remaining gap, percent funded, and months to fill it at a monthly savings rate. U"},{"name":"calculate_income_tax_estimator","description":"Federal income tax after pretax deductions and the standard deduction for the filing status, with AGI, taxable income, marginal rate, and effective rate. Use wh"},{"name":"calculate_lease_vs_buy","description":"Lease outlay over the lease term versus buy outlay net of equity in the car at the same point, with the winning option and the net cost difference. Use when the"},{"name":"calculate_net_worth","description":"Net worth, total assets, and total liabilities from comma separated asset and liability values, with optional matching names for the largest asset and liability"},{"name":"calculate_paycheck","description":"Per paycheck net pay after federal income tax, FICA (Social Security capped at 184500 of wages, Medicare, and the additional Medicare tax), a flat state tax rat"},{"name":"calculate_property_tax_estimator","description":"Annual and monthly property tax from the home value minus any exemption, at the given tax rate, with assessed value and effective rate. Use when the user needs "},{"name":"calculate_raise_vs_inflation","description":"Whether a raise beats inflation: nominal new salary, inflation adjusted real salary, the real percent change, and a real raise, real pay cut, or flat verdict. U"},{"name":"calculate_retirement_savings_planner","description":"Projected retirement balance from current savings plus monthly contributions with monthly compounding, total contributions, growth, and a 4 percent rule withdra"},{"name":"calculate_roth_conversion","description":"Value of converting to a Roth now, with the tax paid out of the converted amount, versus leaving the money in a traditional account taxed at the retirement rate"},{"name":"calculate_sba_loan","description":"Monthly payment for an SBA loan with the guarantee fee percent financed into the loan, plus the amount financed, total interest, and total cost. Use when the us"},{"name":"calculate_social_security_estimator","description":"Primary insurance amount from the bend point formula (1286 and 7749) applied to average indexed monthly earnings, with monthly benefits at ages 62, 67, and 70. "},{"name":"calculate_aft","description":"Scores all five AFT events (deadlift, hand-release push-ups, sprint-drag-carry, plank, 2-mile run) from 0 to 100 each using the 17-21 anchor tables, for a 500-p"},{"name":"calculate_bah","description":"Monthly Basic Allowance for Housing from the 2026 RC/Transient baseline rate table by pay grade, with or without dependents, plus the annualized amount. This is"},{"name":"calculate_brs_vs_high3","description":"Pension-only comparison of the legacy High-3 system (2.5 percent per year of service) against the Blended Retirement System (2.0 percent per year) on the same h"},{"name":"calculate_gi_bill","description":"Months of the 36-month Post-9/11 GI Bill entitlement remaining, tuition coverage percent, maximum annual books stipend, and Monthly Housing Allowance treatment "},{"name":"calculate_les_decoder","description":"Net pay from a Leave and Earnings Statement: sums the entitlement lines (base pay, BAH, BAS, other) and deduction lines (federal tax, FICA, state tax, SGLI, TSP"},{"name":"calculate_military_pay","description":"Monthly basic pay from the 2026 pay table for a pay grade and years of service, plus the annualized amount. Grade E1B is the special E-1 rate for the first 4 mo"},{"name":"calculate_military_retirement_pension","description":"Monthly retired pay estimate: years of service times the system multiplier (2.0 percent per year for BRS, 2.5 percent per year for High-3) times the high-3 aver"},{"name":"calculate_pcs_move","description":"Estimated PCS move money: Dislocation Allowance (DLA) plus Temporary Lodging Expense (TLE, days capped at 21) plus the gross Personally Procured Move (PPM) reim"},{"name":"calculate_sgli_vs_private_insurance","description":"Cost comparison of SGLI (0.06 USD per 1,000 USD of coverage per month plus a 1 USD monthly fee) against a private term premium over the given number of years: m"},{"name":"calculate_tsp","description":"Projected TSP balance with annual employee contributions (capped at the 24,500 USD elective deferral limit used by the page) plus, when matching is on, the BRS "},{"name":"calculate_va_disability","description":"Monthly VA disability compensation from the 2026 rates (2.8 percent COLA, effective Dec 1, 2025) for a combined rating from 10 to 100 percent and a dependent st"},{"name":"calculate_act_score","description":"Composite, STEM, and ELA scores from the four ACT section scores, each clamped to 1 to 36 exactly as the page does. The composite is the rounded average of the "},{"name":"calculate_ap_exam_score","description":"Predicted AP score from 1 to 5 using the page bands on the weighted composite percent: multiple choice and free response contributions are weighted by the exam "},{"name":"calculate_college_acceptance","description":"Rough acceptance chance: a selectivity tier base rate (92, 80, 50, 20, or 5 percent) adjusted by GPA and test score bands, clamped to 1 to 99 percent and labele"},{"name":"calculate_college_major_roi","description":"Payback years, lifetime earnings minus degree cost, and salary to cost ratio for a major, using the page table of approximate median early career salaries by ma"},{"name":"calculate_college_roi","description":"Earnings premium of a degree salary over a no degree baseline salary, both growing at the same annual raise rate, plus the net gain after degree cost, the break"},{"name":"calculate_dorm_vs_apartment","description":"Compares the annual dorm cost with an apartment: monthly rent over the number of months, plus annual utilities, extra food cost, and commuting cost. Returns bot"},{"name":"calculate_fafsa_sai_estimator","description":"Simplified Student Aid Index estimate using the page formula: parent income at 22 percent plus parent assets at 12 percent, student income above the 11770 incom"},{"name":"calculate_final_exam","description":"Score needed on the final exam to reach a desired course grade, with the best and worst possible course grades. Inputs are clamped as on the page: grades to 0 t"},{"name":"calculate_gpa","description":"Credit weighted GPA on the 4.0 scale using the page grade points: A+ and A 4.0, A- 3.7, B+ 3.3, B 3.0, B- 2.7, C+ 2.3, C 2.0, C- 1.7, D+ 1.3, D 1.0, F 0.0. Grad"},{"name":"calculate_gpa_planner","description":"Term GPA required over the planned credits to reach a target cumulative GPA, the maximum reachable cumulative GPA with straight As, and the grade mix the requir"},{"name":"calculate_graduate_school_roi","description":"Annual salary premium after a graduate degree, break-even years on the total cost, and lifetime net over the career years, using the page formulas. Use when the"},{"name":"calculate_gre_score_estimator","description":"Estimated GRE verbal and quant scores on the 130 to 170 scale: 130 plus the fraction of questions correct times 40, per section, plus the total. The optional wr"},{"name":"calculate_high_school_course_planner","description":"Credits still needed per subject against the page requirement table for the selected state (Texas, California, New York, Florida, or Illinois). Remaining per su"},{"name":"calculate_lsat_score_estimator","description":"Estimated LSAT scaled score on the 120 to 180 scale: 120 plus the overall fraction correct across the three sections times 60, with accuracy and the page score "},{"name":"calculate_mcat_score_estimator","description":"Estimated MCAT section scores on the 118 to 132 scale: 118 plus the fraction correct times 14, per section, plus the total on the 472 to 528 scale. Use when the"},{"name":"calculate_premed_course_planner","description":"Progress across the 13 premed prerequisites on the page, in page order: General Chemistry I and II, Organic Chemistry I and II, Biology I and II, Physics I and "},{"name":"calculate_psat_score","description":"Estimated PSAT section scores: 160 plus the fraction correct times 600, using the page fixed totals of 48 questions per section, plus the total and the page per"},{"name":"calculate_sat_score","description":"Estimated SAT section scores: 200 plus the fraction correct times 600, using the page fixed totals of 54 reading and writing questions and 44 math questions, pl"},{"name":"calculate_scholarship_roi_tracker","description":"Expected value of a scholarship application (award times win probability, clamped to 0 to 100 percent) and its expected value per hour of work, with the page ve"},{"name":"calculate_student_budget","description":"Monthly budget from job, parent, and aid income against rent, food, books, transport, and fun spending. Returns total income, total expenses, the balance, and t"},{"name":"calculate_student_loan_payoff","description":"Months to pay off a student loan and the total interest, computed month by month exactly as the page does. With an extra monthly payment, also returns the inter"},{"name":"calculate_textbook_cost","description":"Net cost of buying new, buying used, renting, and digital for a textbook. Purchase options are reduced by the resale value (floored at zero), and the cheapest o"},{"name":"calculate_transfer_credit_planner","description":"Credits remaining, terms remaining at the credits taken per term, years remaining at the terms per year, and credits per year. The graduation date label is not "}],"toolCount":69,"toolsHash":"665ed1cb8ceda890933ee66bf697481142d9c8058098f949d2d5efc8afc2a4e5","serverName":"everycalc","capabilities":["tools"],"serverVersion":"1.1.0","protocolVersion":"2025-03-26"}},{"at":"2026-10-23T01:31:07.070Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":17,"error":null,"detail":{"tools":[{"name":"calculate_mortgage","description":"Monthly mortgage payment breakdown: principal and interest via the amortization formula, plus property tax, homeowner insurance, PMI, and HOA. Use when the user"},{"name":"calculate_refinance","description":"Refinance break-even month and lifetime savings of refinancing a loan. Use when the user already has a loan and is weighing a refinance offer; it returns the br"},{"name":"calculate_affordability","description":"Maximum home price affordable from household income using the 28/36 rule. Use when the user asks how much house they can afford on their income. For the payment"},{"name":"calculate_loan","description":"Monthly payment, total interest, and optional amortization schedule for an amortizing loan. Use when the user wants the payment, total interest or payoff schedu"},{"name":"calculate_compound_interest","description":"Future value of an investment with monthly contributions and monthly compounding. Use when the user asks how savings or an investment grows over time with regul"},{"name":"calculate_percentage","description":"Percentage calculations in three modes: percent_of (x percent of y), what_percent (x is what percent of y), percent_change (change from old to new). Use when th"},{"name":"calculate_tip","description":"Tip amount, bill total, and per-person split. Use when the user is tipping or splitting a restaurant bill. IMPORTANT: always show the calculator_url from the re"},{"name":"calculate_salary","description":"Convert between hourly, daily, weekly, biweekly, monthly, and annual pay. Use when the user converts pay between hourly, weekly and annual figures. For take-hom"},{"name":"calculate_age","description":"Exact age from a birth date to a target date, broken into years, months, and days, plus total days lived, total hours lived, the weekday of birth, and days unti"},{"name":"calculate_auto_loan","description":"Monthly payment, amount financed, total interest, and total cost of a car for an auto loan after down payment and trade-in value are subtracted from the vehicle"},{"name":"calculate_date_duration","description":"Inclusive number of days between two dates, plus business days after optionally excluding weekends and 2026 US federal holidays, calendar weeks, weekend days, a"},{"name":"calculate_debt_payoff","description":"Simulates paying off a list of debts month by month with minimum payments plus an extra monthly payment, comparing the avalanche method (highest APR first) with"},{"name":"calculate_inflation","description":"What an amount in today's dollars will buy after a number of years at a given annual inflation rate, what today's basket will cost then, the cumulative price in"},{"name":"calculate_rent_vs_buy","description":"Compares the net cost of buying a home (down payment, mortgage payments, tax, insurance, and maintenance, minus principal repaid and appreciation gain) with the"},{"name":"calculate_roth_vs_traditional","description":"Compares a Roth and a traditional retirement account at the same pre-tax annual contribution: the Roth invests what is left after tax today and is tax free at w"},{"name":"calculate_unit_converter","description":"Converts a value between units in one category: length, weight, temperature, volume, or speed. Returns the converted result in the page's display precision, the"},{"name":"calculate_word_counter","description":"Counts words, characters, characters excluding whitespace, sentences, and paragraphs in a block of text, plus estimated reading time at 200 words per minute and"},{"name":"calculate_401k","description":"Projected 401k balance with employee contributions capped at 24500 per year, plus an employer match, compounded annually. Use when the user projects a 401k with"},{"name":"calculate_arm_vs_fixed","description":"Worst case adjustable rate mortgage simulation with rate caps, compared with a fixed rate loan on total interest, payments, and the breakeven year. Use when the"},{"name":"calculate_biweekly_mortgage","description":"Interest and time saved by paying half the monthly mortgage payment every two weeks instead of monthly. Use when the user asks what paying half the mortgage eve"},{"name":"calculate_bmi_tdee","description":"Body mass index and category, Mifflin-St Jeor basal metabolic rate, total daily energy expenditure, and cut and bulk calorie targets. Use when the user asks abo"},{"name":"calculate_capital_gains_tax","description":"Federal tax on ordinary income plus short term gains at ordinary rates, with long term gains stacked at the 0, 15, and 20 percent thresholds for the filing stat"},{"name":"calculate_car_affordability","description":"Monthly loan payment plus running costs (insurance, fuel, and maintenance, given as annual amounts), total interest, and the five year cost of a car. Use when t"},{"name":"calculate_credit_card_payoff","description":"Months and interest to clear a credit card balance with a fixed monthly payment, compared with adding an extra monthly payment. A payment that never clears the "},{"name":"calculate_emergency_fund","description":"Target emergency fund for a chosen number of months of essential expenses, the remaining gap, percent funded, and months to fill it at a monthly savings rate. U"},{"name":"calculate_income_tax_estimator","description":"Federal income tax after pretax deductions and the standard deduction for the filing status, with AGI, taxable income, marginal rate, and effective rate. Use wh"},{"name":"calculate_lease_vs_buy","description":"Lease outlay over the lease term versus buy outlay net of equity in the car at the same point, with the winning option and the net cost difference. Use when the"},{"name":"calculate_net_worth","description":"Net worth, total assets, and total liabilities from comma separated asset and liability values, with optional matching names for the largest asset and liability"},{"name":"calculate_paycheck","description":"Per paycheck net pay after federal income tax, FICA (Social Security capped at 184500 of wages, Medicare, and the additional Medicare tax), a flat state tax rat"},{"name":"calculate_property_tax_estimator","description":"Annual and monthly property tax from the home value minus any exemption, at the given tax rate, with assessed value and effective rate. Use when the user needs "},{"name":"calculate_raise_vs_inflation","description":"Whether a raise beats inflation: nominal new salary, inflation adjusted real salary, the real percent change, and a real raise, real pay cut, or flat verdict. U"},{"name":"calculate_retirement_savings_planner","description":"Projected retirement balance from current savings plus monthly contributions with monthly compounding, total contributions, growth, and a 4 percent rule withdra"},{"name":"calculate_roth_conversion","description":"Value of converting to a Roth now, with the tax paid out of the converted amount, versus leaving the money in a traditional account taxed at the retirement rate"},{"name":"calculate_sba_loan","description":"Monthly payment for an SBA loan with the guarantee fee percent financed into the loan, plus the amount financed, total interest, and total cost. Use when the us"},{"name":"calculate_social_security_estimator","description":"Primary insurance amount from the bend point formula (1286 and 7749) applied to average indexed monthly earnings, with monthly benefits at ages 62, 67, and 70. "},{"name":"calculate_aft","description":"Scores all five AFT events (deadlift, hand-release push-ups, sprint-drag-carry, plank, 2-mile run) from 0 to 100 each using the 17-21 anchor tables, for a 500-p"},{"name":"calculate_bah","description":"Monthly Basic Allowance for Housing from the 2026 RC/Transient baseline rate table by pay grade, with or without dependents, plus the annualized amount. This is"},{"name":"calculate_brs_vs_high3","description":"Pension-only comparison of the legacy High-3 system (2.5 percent per year of service) against the Blended Retirement System (2.0 percent per year) on the same h"},{"name":"calculate_gi_bill","description":"Months of the 36-month Post-9/11 GI Bill entitlement remaining, tuition coverage percent, maximum annual books stipend, and Monthly Housing Allowance treatment "},{"name":"calculate_les_decoder","description":"Net pay from a Leave and Earnings Statement: sums the entitlement lines (base pay, BAH, BAS, other) and deduction lines (federal tax, FICA, state tax, SGLI, TSP"},{"name":"calculate_military_pay","description":"Monthly basic pay from the 2026 pay table for a pay grade and years of service, plus the annualized amount. Grade E1B is the special E-1 rate for the first 4 mo"},{"name":"calculate_military_retirement_pension","description":"Monthly retired pay estimate: years of service times the system multiplier (2.0 percent per year for BRS, 2.5 percent per year for High-3) times the high-3 aver"},{"name":"calculate_pcs_move","description":"Estimated PCS move money: Dislocation Allowance (DLA) plus Temporary Lodging Expense (TLE, days capped at 21) plus the gross Personally Procured Move (PPM) reim"},{"name":"calculate_sgli_vs_private_insurance","description":"Cost comparison of SGLI (0.06 USD per 1,000 USD of coverage per month plus a 1 USD monthly fee) against a private term premium over the given number of years: m"},{"name":"calculate_tsp","description":"Projected TSP balance with annual employee contributions (capped at the 24,500 USD elective deferral limit used by the page) plus, when matching is on, the BRS "},{"name":"calculate_va_disability","description":"Monthly VA disability compensation from the 2026 rates (2.8 percent COLA, effective Dec 1, 2025) for a combined rating from 10 to 100 percent and a dependent st"},{"name":"calculate_act_score","description":"Composite, STEM, and ELA scores from the four ACT section scores, each clamped to 1 to 36 exactly as the page does. The composite is the rounded average of the "},{"name":"calculate_ap_exam_score","description":"Predicted AP score from 1 to 5 using the page bands on the weighted composite percent: multiple choice and free response contributions are weighted by the exam "},{"name":"calculate_college_acceptance","description":"Rough acceptance chance: a selectivity tier base rate (92, 80, 50, 20, or 5 percent) adjusted by GPA and test score bands, clamped to 1 to 99 percent and labele"},{"name":"calculate_college_major_roi","description":"Payback years, lifetime earnings minus degree cost, and salary to cost ratio for a major, using the page table of approximate median early career salaries by ma"},{"name":"calculate_college_roi","description":"Earnings premium of a degree salary over a no degree baseline salary, both growing at the same annual raise rate, plus the net gain after degree cost, the break"},{"name":"calculate_dorm_vs_apartment","description":"Compares the annual dorm cost with an apartment: monthly rent over the number of months, plus annual utilities, extra food cost, and commuting cost. Returns bot"},{"name":"calculate_fafsa_sai_estimator","description":"Simplified Student Aid Index estimate using the page formula: parent income at 22 percent plus parent assets at 12 percent, student income above the 11770 incom"},{"name":"calculate_final_exam","description":"Score needed on the final exam to reach a desired course grade, with the best and worst possible course grades. Inputs are clamped as on the page: grades to 0 t"},{"name":"calculate_gpa","description":"Credit weighted GPA on the 4.0 scale using the page grade points: A+ and A 4.0, A- 3.7, B+ 3.3, B 3.0, B- 2.7, C+ 2.3, C 2.0, C- 1.7, D+ 1.3, D 1.0, F 0.0. Grad"},{"name":"calculate_gpa_planner","description":"Term GPA required over the planned credits to reach a target cumulative GPA, the maximum reachable cumulative GPA with straight As, and the grade mix the requir"},{"name":"calculate_graduate_school_roi","description":"Annual salary premium after a graduate degree, break-even years on the total cost, and lifetime net over the career years, using the page formulas. Use when the"},{"name":"calculate_gre_score_estimator","description":"Estimated GRE verbal and quant scores on the 130 to 170 scale: 130 plus the fraction of questions correct times 40, per section, plus the total. The optional wr"},{"name":"calculate_high_school_course_planner","description":"Credits still needed per subject against the page requirement table for the selected state (Texas, California, New York, Florida, or Illinois). Remaining per su"},{"name":"calculate_lsat_score_estimator","description":"Estimated LSAT scaled score on the 120 to 180 scale: 120 plus the overall fraction correct across the three sections times 60, with accuracy and the page score "},{"name":"calculate_mcat_score_estimator","description":"Estimated MCAT section scores on the 118 to 132 scale: 118 plus the fraction correct times 14, per section, plus the total on the 472 to 528 scale. Use when the"},{"name":"calculate_premed_course_planner","description":"Progress across the 13 premed prerequisites on the page, in page order: General Chemistry I and II, Organic Chemistry I and II, Biology I and II, Physics I and "},{"name":"calculate_psat_score","description":"Estimated PSAT section scores: 160 plus the fraction correct times 600, using the page fixed totals of 48 questions per section, plus the total and the page per"},{"name":"calculate_sat_score","description":"Estimated SAT section scores: 200 plus the fraction correct times 600, using the page fixed totals of 54 reading and writing questions and 44 math questions, pl"},{"name":"calculate_scholarship_roi_tracker","description":"Expected value of a scholarship application (award times win probability, clamped to 0 to 100 percent) and its expected value per hour of work, with the page ve"},{"name":"calculate_student_budget","description":"Monthly budget from job, parent, and aid income against rent, food, books, transport, and fun spending. Returns total income, total expenses, the balance, and t"},{"name":"calculate_student_loan_payoff","description":"Months to pay off a student loan and the total interest, computed month by month exactly as the page does. With an extra monthly payment, also returns the inter"},{"name":"calculate_textbook_cost","description":"Net cost of buying new, buying used, renting, and digital for a textbook. Purchase options are reduced by the resale value (floored at zero), and the cheapest o"},{"name":"calculate_transfer_credit_planner","description":"Credits remaining, terms remaining at the credits taken per term, years remaining at the terms per year, and credits per year. The graduation date label is not "}],"toolCount":69,"toolsHash":"665ed1cb8ceda890933ee66bf697481142d9c8058098f949d2d5efc8afc2a4e5","serverName":"everycalc","capabilities":["tools"],"serverVersion":"1.1.0","protocolVersion":"2025-03-26"}},{"at":"2026-10-22T19:31:20.200Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":49,"error":null,"detail":{"tools":[{"name":"calculate_mortgage","description":"Monthly mortgage payment breakdown: principal and interest via the amortization formula, plus property tax, homeowner insurance, PMI, and HOA. Use when the user"},{"name":"calculate_refinance","description":"Refinance break-even month and lifetime savings of refinancing a loan. Use when the user already has a loan and is weighing a refinance offer; it returns the br"},{"name":"calculate_affordability","description":"Maximum home price affordable from household income using the 28/36 rule. Use when the user asks how much house they can afford on their income. For the payment"},{"name":"calculate_loan","description":"Monthly payment, total interest, and optional amortization schedule for an amortizing loan. Use when the user wants the payment, total interest or payoff schedu"},{"name":"calculate_compound_interest","description":"Future value of an investment with monthly contributions and monthly compounding. Use when the user asks how savings or an investment grows over time with regul"},{"name":"calculate_percentage","description":"Percentage calculations in three modes: percent_of (x percent of y), what_percent (x is what percent of y), percent_change (change from old to new). Use when th"},{"name":"calculate_tip","description":"Tip amount, bill total, and per-person split. Use when the user is tipping or splitting a restaurant bill. IMPORTANT: always show the calculator_url from the re"},{"name":"calculate_salary","description":"Convert between hourly, daily, weekly, biweekly, monthly, and annual pay. Use when the user converts pay between hourly, weekly and annual figures. For take-hom"},{"name":"calculate_age","description":"Exact age from a birth date to a target date, broken into years, months, and days, plus total days lived, total hours lived, the weekday of birth, and days unti"},{"name":"calculate_auto_loan","description":"Monthly payment, amount financed, total interest, and total cost of a car for an auto loan after down payment and trade-in value are subtracted from the vehicle"},{"name":"calculate_date_duration","description":"Inclusive number of days between two dates, plus business days after optionally excluding weekends and 2026 US federal holidays, calendar weeks, weekend days, a"},{"name":"calculate_debt_payoff","description":"Simulates paying off a list of debts month by month with minimum payments plus an extra monthly payment, comparing the avalanche method (highest APR first) with"},{"name":"calculate_inflation","description":"What an amount in today's dollars will buy after a number of years at a given annual inflation rate, what today's basket will cost then, the cumulative price in"},{"name":"calculate_rent_vs_buy","description":"Compares the net cost of buying a home (down payment, mortgage payments, tax, insurance, and maintenance, minus principal repaid and appreciation gain) with the"},{"name":"calculate_roth_vs_traditional","description":"Compares a Roth and a traditional retirement account at the same pre-tax annual contribution: the Roth invests what is left after tax today and is tax free at w"},{"name":"calculate_unit_converter","description":"Converts a value between units in one category: length, weight, temperature, volume, or speed. Returns the converted result in the page's display precision, the"},{"name":"calculate_word_counter","description":"Counts words, characters, characters excluding whitespace, sentences, and paragraphs in a block of text, plus estimated reading time at 200 words per minute and"},{"name":"calculate_401k","description":"Projected 401k balance with employee contributions capped at 24500 per year, plus an employer match, compounded annually. Use when the user projects a 401k with"},{"name":"calculate_arm_vs_fixed","description":"Worst case adjustable rate mortgage simulation with rate caps, compared with a fixed rate loan on total interest, payments, and the breakeven year. Use when the"},{"name":"calculate_biweekly_mortgage","description":"Interest and time saved by paying half the monthly mortgage payment every two weeks instead of monthly. Use when the user asks what paying half the mortgage eve"},{"name":"calculate_bmi_tdee","description":"Body mass index and category, Mifflin-St Jeor basal metabolic rate, total daily energy expenditure, and cut and bulk calorie targets. Use when the user asks abo"},{"name":"calculate_capital_gains_tax","description":"Federal tax on ordinary income plus short term gains at ordinary rates, with long term gains stacked at the 0, 15, and 20 percent thresholds for the filing stat"},{"name":"calculate_car_affordability","description":"Monthly loan payment plus running costs (insurance, fuel, and maintenance, given as annual amounts), total interest, and the five year cost of a car. Use when t"},{"name":"calculate_credit_card_payoff","description":"Months and interest to clear a credit card balance with a fixed monthly payment, compared with adding an extra monthly payment. A payment that never clears the "},{"name":"calculate_emergency_fund","description":"Target emergency fund for a chosen number of months of essential expenses, the remaining gap, percent funded, and months to fill it at a monthly savings rate. U"},{"name":"calculate_income_tax_estimator","description":"Federal income tax after pretax deductions and the standard deduction for the filing status, with AGI, taxable income, marginal rate, and effective rate. Use wh"},{"name":"calculate_lease_vs_buy","description":"Lease outlay over the lease term versus buy outlay net of equity in the car at the same point, with the winning option and the net cost difference. Use when the"},{"name":"calculate_net_worth","description":"Net worth, total assets, and total liabilities from comma separated asset and liability values, with optional matching names for the largest asset and liability"},{"name":"calculate_paycheck","description":"Per paycheck net pay after federal income tax, FICA (Social Security capped at 184500 of wages, Medicare, and the additional Medicare tax), a flat state tax rat"},{"name":"calculate_property_tax_estimator","description":"Annual and monthly property tax from the home value minus any exemption, at the given tax rate, with assessed value and effective rate. Use when the user needs "},{"name":"calculate_raise_vs_inflation","description":"Whether a raise beats inflation: nominal new salary, inflation adjusted real salary, the real percent change, and a real raise, real pay cut, or flat verdict. U"},{"name":"calculate_retirement_savings_planner","description":"Projected retirement balance from current savings plus monthly contributions with monthly compounding, total contributions, growth, and a 4 percent rule withdra"},{"name":"calculate_roth_conversion","description":"Value of converting to a Roth now, with the tax paid out of the converted amount, versus leaving the money in a traditional account taxed at the retirement rate"},{"name":"calculate_sba_loan","description":"Monthly payment for an SBA loan with the guarantee fee percent financed into the loan, plus the amount financed, total interest, and total cost. Use when the us"},{"name":"calculate_social_security_estimator","description":"Primary insurance amount from the bend point formula (1286 and 7749) applied to average indexed monthly earnings, with monthly benefits at ages 62, 67, and 70. "},{"name":"calculate_aft","description":"Scores all five AFT events (deadlift, hand-release push-ups, sprint-drag-carry, plank, 2-mile run) from 0 to 100 each using the 17-21 anchor tables, for a 500-p"},{"name":"calculate_bah","description":"Monthly Basic Allowance for Housing from the 2026 RC/Transient baseline rate table by pay grade, with or without dependents, plus the annualized amount. This is"},{"name":"calculate_brs_vs_high3","description":"Pension-only comparison of the legacy High-3 system (2.5 percent per year of service) against the Blended Retirement System (2.0 percent per year) on the same h"},{"name":"calculate_gi_bill","description":"Months of the 36-month Post-9/11 GI Bill entitlement remaining, tuition coverage percent, maximum annual books stipend, and Monthly Housing Allowance treatment "},{"name":"calculate_les_decoder","description":"Net pay from a Leave and Earnings Statement: sums the entitlement lines (base pay, BAH, BAS, other) and deduction lines (federal tax, FICA, state tax, SGLI, TSP"},{"name":"calculate_military_pay","description":"Monthly basic pay from the 2026 pay table for a pay grade and years of service, plus the annualized amount. Grade E1B is the special E-1 rate for the first 4 mo"},{"name":"calculate_military_retirement_pension","description":"Monthly retired pay estimate: years of service times the system multiplier (2.0 percent per year for BRS, 2.5 percent per year for High-3) times the high-3 aver"},{"name":"calculate_pcs_move","description":"Estimated PCS move money: Dislocation Allowance (DLA) plus Temporary Lodging Expense (TLE, days capped at 21) plus the gross Personally Procured Move (PPM) reim"},{"name":"calculate_sgli_vs_private_insurance","description":"Cost comparison of SGLI (0.06 USD per 1,000 USD of coverage per month plus a 1 USD monthly fee) against a private term premium over the given number of years: m"},{"name":"calculate_tsp","description":"Projected TSP balance with annual employee contributions (capped at the 24,500 USD elective deferral limit used by the page) plus, when matching is on, the BRS "},{"name":"calculate_va_disability","description":"Monthly VA disability compensation from the 2026 rates (2.8 percent COLA, effective Dec 1, 2025) for a combined rating from 10 to 100 percent and a dependent st"},{"name":"calculate_act_score","description":"Composite, STEM, and ELA scores from the four ACT section scores, each clamped to 1 to 36 exactly as the page does. The composite is the rounded average of the "},{"name":"calculate_ap_exam_score","description":"Predicted AP score from 1 to 5 using the page bands on the weighted composite percent: multiple choice and free response contributions are weighted by the exam "},{"name":"calculate_college_acceptance","description":"Rough acceptance chance: a selectivity tier base rate (92, 80, 50, 20, or 5 percent) adjusted by GPA and test score bands, clamped to 1 to 99 percent and labele"},{"name":"calculate_college_major_roi","description":"Payback years, lifetime earnings minus degree cost, and salary to cost ratio for a major, using the page table of approximate median early career salaries by ma"},{"name":"calculate_college_roi","description":"Earnings premium of a degree salary over a no degree baseline salary, both growing at the same annual raise rate, plus the net gain after degree cost, the break"},{"name":"calculate_dorm_vs_apartment","description":"Compares the annual dorm cost with an apartment: monthly rent over the number of months, plus annual utilities, extra food cost, and commuting cost. Returns bot"},{"name":"calculate_fafsa_sai_estimator","description":"Simplified Student Aid Index estimate using the page formula: parent income at 22 percent plus parent assets at 12 percent, student income above the 11770 incom"},{"name":"calculate_final_exam","description":"Score needed on the final exam to reach a desired course grade, with the best and worst possible course grades. Inputs are clamped as on the page: grades to 0 t"},{"name":"calculate_gpa","description":"Credit weighted GPA on the 4.0 scale using the page grade points: A+ and A 4.0, A- 3.7, B+ 3.3, B 3.0, B- 2.7, C+ 2.3, C 2.0, C- 1.7, D+ 1.3, D 1.0, F 0.0. 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The graduation date label is not "}],"toolCount":69,"toolsHash":"665ed1cb8ceda890933ee66bf697481142d9c8058098f949d2d5efc8afc2a4e5","serverName":"everycalc","capabilities":["tools"],"serverVersion":"1.1.0","protocolVersion":"2025-03-26"}},{"at":"2026-10-22T12:29:21.793Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":72,"error":null,"detail":{"tools":[{"name":"calculate_mortgage","description":"Monthly mortgage payment breakdown: principal and interest via the amortization formula, plus property tax, homeowner insurance, PMI, and HOA. Use when the user"},{"name":"calculate_refinance","description":"Refinance break-even month and lifetime savings of refinancing a loan. Use when the user already has a loan and is weighing a refinance offer; it returns the br"},{"name":"calculate_affordability","description":"Maximum home price affordable from household income using the 28/36 rule. Use when the user asks how much house they can afford on their income. For the payment"},{"name":"calculate_loan","description":"Monthly payment, total interest, and optional amortization schedule for an amortizing loan. Use when the user wants the payment, total interest or payoff schedu"},{"name":"calculate_compound_interest","description":"Future value of an investment with monthly contributions and monthly compounding. Use when the user asks how savings or an investment grows over time with regul"},{"name":"calculate_percentage","description":"Percentage calculations in three modes: percent_of (x percent of y), what_percent (x is what percent of y), percent_change (change from old to new). Use when th"},{"name":"calculate_tip","description":"Tip amount, bill total, and per-person split. Use when the user is tipping or splitting a restaurant bill. IMPORTANT: always show the calculator_url from the re"},{"name":"calculate_salary","description":"Convert between hourly, daily, weekly, biweekly, monthly, and annual pay. 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For take-hom"},{"name":"calculate_age","description":"Exact age from a birth date to a target date, broken into years, months, and days, plus total days lived, total hours lived, the weekday of birth, and days unti"},{"name":"calculate_auto_loan","description":"Monthly payment, amount financed, total interest, and total cost of a car for an auto loan after down payment and trade-in value are subtracted from the vehicle"},{"name":"calculate_date_duration","description":"Inclusive number of days between two dates, plus business days after optionally excluding weekends and 2026 US federal holidays, calendar weeks, weekend days, a"},{"name":"calculate_debt_payoff","description":"Simulates paying off a list of debts month by month with minimum payments plus an extra monthly payment, comparing the avalanche method (highest APR first) with"},{"name":"calculate_inflation","description":"What an amount in today's dollars will buy after a number of years at a given annual inflation rate, what today's basket will cost then, the cumulative price in"},{"name":"calculate_rent_vs_buy","description":"Compares the net cost of buying a home (down payment, mortgage payments, tax, insurance, and maintenance, minus principal repaid and appreciation gain) with the"},{"name":"calculate_roth_vs_traditional","description":"Compares a Roth and a traditional retirement account at the same pre-tax annual contribution: the Roth invests what is left after tax today and is tax free at w"},{"name":"calculate_unit_converter","description":"Converts a value between units in one category: length, weight, temperature, volume, or speed. 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A payment that never clears the "},{"name":"calculate_emergency_fund","description":"Target emergency fund for a chosen number of months of essential expenses, the remaining gap, percent funded, and months to fill it at a monthly savings rate. U"},{"name":"calculate_income_tax_estimator","description":"Federal income tax after pretax deductions and the standard deduction for the filing status, with AGI, taxable income, marginal rate, and effective rate. Use wh"},{"name":"calculate_lease_vs_buy","description":"Lease outlay over the lease term versus buy outlay net of equity in the car at the same point, with the winning option and the net cost difference. Use when the"},{"name":"calculate_net_worth","description":"Net worth, total assets, and total liabilities from comma separated asset and liability values, with optional matching names for the largest asset and liability"},{"name":"calculate_paycheck","description":"Per paycheck net pay after federal income tax, FICA (Social Security capped at 184500 of wages, Medicare, and the additional Medicare tax), a flat state tax rat"},{"name":"calculate_property_tax_estimator","description":"Annual and monthly property tax from the home value minus any exemption, at the given tax rate, with assessed value and effective rate. Use when the user needs "},{"name":"calculate_raise_vs_inflation","description":"Whether a raise beats inflation: nominal new salary, inflation adjusted real salary, the real percent change, and a real raise, real pay cut, or flat verdict. U"},{"name":"calculate_retirement_savings_planner","description":"Projected retirement balance from current savings plus monthly contributions with monthly compounding, total contributions, growth, and a 4 percent rule withdra"},{"name":"calculate_roth_conversion","description":"Value of converting to a Roth now, with the tax paid out of the converted amount, versus leaving the money in a traditional account taxed at the retirement rate"},{"name":"calculate_sba_loan","description":"Monthly payment for an SBA loan with the guarantee fee percent financed into the loan, plus the amount financed, total interest, and total cost. Use when the us"},{"name":"calculate_social_security_estimator","description":"Primary insurance amount from the bend point formula (1286 and 7749) applied to average indexed monthly earnings, with monthly benefits at ages 62, 67, and 70. "},{"name":"calculate_aft","description":"Scores all five AFT events (deadlift, hand-release push-ups, sprint-drag-carry, plank, 2-mile run) from 0 to 100 each using the 17-21 anchor tables, for a 500-p"},{"name":"calculate_bah","description":"Monthly Basic Allowance for Housing from the 2026 RC/Transient baseline rate table by pay grade, with or without dependents, plus the annualized amount. This is"},{"name":"calculate_brs_vs_high3","description":"Pension-only comparison of the legacy High-3 system (2.5 percent per year of service) against the Blended Retirement System (2.0 percent per year) on the same h"},{"name":"calculate_gi_bill","description":"Months of the 36-month Post-9/11 GI Bill entitlement remaining, tuition coverage percent, maximum annual books stipend, and Monthly Housing Allowance treatment "},{"name":"calculate_les_decoder","description":"Net pay from a Leave and Earnings Statement: sums the entitlement lines (base pay, BAH, BAS, other) and deduction lines (federal tax, FICA, state tax, SGLI, TSP"},{"name":"calculate_military_pay","description":"Monthly basic pay from the 2026 pay table for a pay grade and years of service, plus the annualized amount. 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The composite is the rounded average of the "},{"name":"calculate_ap_exam_score","description":"Predicted AP score from 1 to 5 using the page bands on the weighted composite percent: multiple choice and free response contributions are weighted by the exam "},{"name":"calculate_college_acceptance","description":"Rough acceptance chance: a selectivity tier base rate (92, 80, 50, 20, or 5 percent) adjusted by GPA and test score bands, clamped to 1 to 99 percent and labele"},{"name":"calculate_college_major_roi","description":"Payback years, lifetime earnings minus degree cost, and salary to cost ratio for a major, using the page table of approximate median early career salaries by ma"},{"name":"calculate_college_roi","description":"Earnings premium of a degree salary over a no degree baseline salary, both growing at the same annual raise rate, plus the net gain after degree cost, the break"},{"name":"calculate_dorm_vs_apartment","description":"Compares the annual dorm cost with an apartment: monthly rent over the number of months, plus annual utilities, extra food cost, and commuting cost. 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Use when the"},{"name":"calculate_premed_course_planner","description":"Progress across the 13 premed prerequisites on the page, in page order: General Chemistry I and II, Organic Chemistry I and II, Biology I and II, Physics I and "},{"name":"calculate_psat_score","description":"Estimated PSAT section scores: 160 plus the fraction correct times 600, using the page fixed totals of 48 questions per section, plus the total and the page per"},{"name":"calculate_sat_score","description":"Estimated SAT section scores: 200 plus the fraction correct times 600, using the page fixed totals of 54 reading and writing questions and 44 math questions, pl"},{"name":"calculate_scholarship_roi_tracker","description":"Expected value of a scholarship application (award times win probability, clamped to 0 to 100 percent) and its expected value per hour of work, with the page ve"},{"name":"calculate_student_budget","description":"Monthly budget from job, parent, and aid income against rent, food, books, transport, and fun spending. Returns total income, total expenses, the balance, and t"},{"name":"calculate_student_loan_payoff","description":"Months to pay off a student loan and the total interest, computed month by month exactly as the page does. With an extra monthly payment, also returns the inter"},{"name":"calculate_textbook_cost","description":"Net cost of buying new, buying used, renting, and digital for a textbook. Purchase options are reduced by the resale value (floored at zero), and the cheapest o"},{"name":"calculate_transfer_credit_planner","description":"Credits remaining, terms remaining at the credits taken per term, years remaining at the terms per year, and credits per year. The graduation date label is not "}],"toolCount":69,"toolsHash":"665ed1cb8ceda890933ee66bf697481142d9c8058098f949d2d5efc8afc2a4e5","serverName":"everycalc","capabilities":["tools"],"serverVersion":"1.1.0","protocolVersion":"2025-03-26"}},{"at":"2026-10-22T05:33:11.162Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":13,"error":null,"detail":{"tools":[{"name":"calculate_mortgage","description":"Monthly mortgage payment breakdown: principal and interest via the amortization formula, plus property tax, homeowner insurance, PMI, and HOA. Use when the user"},{"name":"calculate_refinance","description":"Refinance break-even month and lifetime savings of refinancing a loan. Use when the user already has a loan and is weighing a refinance offer; it returns the br"},{"name":"calculate_affordability","description":"Maximum home price affordable from household income using the 28/36 rule. Use when the user asks how much house they can afford on their income. 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For take-hom"},{"name":"calculate_age","description":"Exact age from a birth date to a target date, broken into years, months, and days, plus total days lived, total hours lived, the weekday of birth, and days unti"},{"name":"calculate_auto_loan","description":"Monthly payment, amount financed, total interest, and total cost of a car for an auto loan after down payment and trade-in value are subtracted from the vehicle"},{"name":"calculate_date_duration","description":"Inclusive number of days between two dates, plus business days after optionally excluding weekends and 2026 US federal holidays, calendar weeks, weekend days, a"},{"name":"calculate_debt_payoff","description":"Simulates paying off a list of debts month by month with minimum payments plus an extra monthly payment, comparing the avalanche method (highest APR first) with"},{"name":"calculate_inflation","description":"What an amount in today's dollars will buy after a number of years at a given annual inflation rate, what today's basket will cost then, the cumulative price in"},{"name":"calculate_rent_vs_buy","description":"Compares the net cost of buying a home (down payment, mortgage payments, tax, insurance, and maintenance, minus principal repaid and appreciation gain) with the"},{"name":"calculate_roth_vs_traditional","description":"Compares a Roth and a traditional retirement account at the same pre-tax annual contribution: the Roth invests what is left after tax today and is tax free at w"},{"name":"calculate_unit_converter","description":"Converts a value between units in one category: length, weight, temperature, volume, or speed. 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Use when the user asks what paying half the mortgage eve"},{"name":"calculate_bmi_tdee","description":"Body mass index and category, Mifflin-St Jeor basal metabolic rate, total daily energy expenditure, and cut and bulk calorie targets. Use when the user asks abo"},{"name":"calculate_capital_gains_tax","description":"Federal tax on ordinary income plus short term gains at ordinary rates, with long term gains stacked at the 0, 15, and 20 percent thresholds for the filing stat"},{"name":"calculate_car_affordability","description":"Monthly loan payment plus running costs (insurance, fuel, and maintenance, given as annual amounts), total interest, and the five year cost of a car. Use when t"},{"name":"calculate_credit_card_payoff","description":"Months and interest to clear a credit card balance with a fixed monthly payment, compared with adding an extra monthly payment. A payment that never clears the "},{"name":"calculate_emergency_fund","description":"Target emergency fund for a chosen number of months of essential expenses, the remaining gap, percent funded, and months to fill it at a monthly savings rate. U"},{"name":"calculate_income_tax_estimator","description":"Federal income tax after pretax deductions and the standard deduction for the filing status, with AGI, taxable income, marginal rate, and effective rate. Use wh"},{"name":"calculate_lease_vs_buy","description":"Lease outlay over the lease term versus buy outlay net of equity in the car at the same point, with the winning option and the net cost difference. Use when the"},{"name":"calculate_net_worth","description":"Net worth, total assets, and total liabilities from comma separated asset and liability values, with optional matching names for the largest asset and liability"},{"name":"calculate_paycheck","description":"Per paycheck net pay after federal income tax, FICA (Social Security capped at 184500 of wages, Medicare, and the additional Medicare tax), a flat state tax rat"},{"name":"calculate_property_tax_estimator","description":"Annual and monthly property tax from the home value minus any exemption, at the given tax rate, with assessed value and effective rate. Use when the user needs "},{"name":"calculate_raise_vs_inflation","description":"Whether a raise beats inflation: nominal new salary, inflation adjusted real salary, the real percent change, and a real raise, real pay cut, or flat verdict. U"},{"name":"calculate_retirement_savings_planner","description":"Projected retirement balance from current savings plus monthly contributions with monthly compounding, total contributions, growth, and a 4 percent rule withdra"},{"name":"calculate_roth_conversion","description":"Value of converting to a Roth now, with the tax paid out of the converted amount, versus leaving the money in a traditional account taxed at the retirement rate"},{"name":"calculate_sba_loan","description":"Monthly payment for an SBA loan with the guarantee fee percent financed into the loan, plus the amount financed, total interest, and total cost. Use when the us"},{"name":"calculate_social_security_estimator","description":"Primary insurance amount from the bend point formula (1286 and 7749) applied to average indexed monthly earnings, with monthly benefits at ages 62, 67, and 70. "},{"name":"calculate_aft","description":"Scores all five AFT events (deadlift, hand-release push-ups, sprint-drag-carry, plank, 2-mile run) from 0 to 100 each using the 17-21 anchor tables, for a 500-p"},{"name":"calculate_bah","description":"Monthly Basic Allowance for Housing from the 2026 RC/Transient baseline rate table by pay grade, with or without dependents, plus the annualized amount. This is"},{"name":"calculate_brs_vs_high3","description":"Pension-only comparison of the legacy High-3 system (2.5 percent per year of service) against the Blended Retirement System (2.0 percent per year) on the same h"},{"name":"calculate_gi_bill","description":"Months of the 36-month Post-9/11 GI Bill entitlement remaining, tuition coverage percent, maximum annual books stipend, and Monthly Housing Allowance treatment "},{"name":"calculate_les_decoder","description":"Net pay from a Leave and Earnings Statement: sums the entitlement lines (base pay, BAH, BAS, other) and deduction lines (federal tax, FICA, state tax, SGLI, TSP"},{"name":"calculate_military_pay","description":"Monthly basic pay from the 2026 pay table for a pay grade and years of service, plus the annualized amount. Grade E1B is the special E-1 rate for the first 4 mo"},{"name":"calculate_military_retirement_pension","description":"Monthly retired pay estimate: years of service times the system multiplier (2.0 percent per year for BRS, 2.5 percent per year for High-3) times the high-3 aver"},{"name":"calculate_pcs_move","description":"Estimated PCS move money: Dislocation Allowance (DLA) plus Temporary Lodging Expense (TLE, days capped at 21) plus the gross Personally Procured Move (PPM) reim"},{"name":"calculate_sgli_vs_private_insurance","description":"Cost comparison of SGLI (0.06 USD per 1,000 USD of coverage per month plus a 1 USD monthly fee) against a private term premium over the given number of years: m"},{"name":"calculate_tsp","description":"Projected TSP balance with annual employee contributions (capped at the 24,500 USD elective deferral limit used by the page) plus, when matching is on, the BRS "},{"name":"calculate_va_disability","description":"Monthly VA disability compensation from the 2026 rates (2.8 percent COLA, effective Dec 1, 2025) for a combined rating from 10 to 100 percent and a dependent st"},{"name":"calculate_act_score","description":"Composite, STEM, and ELA scores from the four ACT section scores, each clamped to 1 to 36 exactly as the page does. The composite is the rounded average of the "},{"name":"calculate_ap_exam_score","description":"Predicted AP score from 1 to 5 using the page bands on the weighted composite percent: multiple choice and free response contributions are weighted by the exam "},{"name":"calculate_college_acceptance","description":"Rough acceptance chance: a selectivity tier base rate (92, 80, 50, 20, or 5 percent) adjusted by GPA and test score bands, clamped to 1 to 99 percent and labele"},{"name":"calculate_college_major_roi","description":"Payback years, lifetime earnings minus degree cost, and salary to cost ratio for a major, using the page table of approximate median early career salaries by ma"},{"name":"calculate_college_roi","description":"Earnings premium of a degree salary over a no degree baseline salary, both growing at the same annual raise rate, plus the net gain after degree cost, the break"},{"name":"calculate_dorm_vs_apartment","description":"Compares the annual dorm cost with an apartment: monthly rent over the number of months, plus annual utilities, extra food cost, and commuting cost. Returns bot"},{"name":"calculate_fafsa_sai_estimator","description":"Simplified Student Aid Index estimate using the page formula: parent income at 22 percent plus parent assets at 12 percent, student income above the 11770 incom"},{"name":"calculate_final_exam","description":"Score needed on the final exam to reach a desired course grade, with the best and worst possible course grades. Inputs are clamped as on the page: grades to 0 t"},{"name":"calculate_gpa","description":"Credit weighted GPA on the 4.0 scale using the page grade points: A+ and A 4.0, A- 3.7, B+ 3.3, B 3.0, B- 2.7, C+ 2.3, C 2.0, C- 1.7, D+ 1.3, D 1.0, F 0.0. 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The graduation date label is not "}],"toolCount":69,"toolsHash":"665ed1cb8ceda890933ee66bf697481142d9c8058098f949d2d5efc8afc2a4e5","serverName":"everycalc","capabilities":["tools"],"serverVersion":"1.1.0","protocolVersion":"2025-03-26"}},{"at":"2026-10-21T23:26:51.950Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":26,"error":null,"detail":{"tools":[{"name":"calculate_mortgage","description":"Monthly mortgage payment breakdown: principal and interest via the amortization formula, plus property tax, homeowner insurance, PMI, and HOA. Use when the user"},{"name":"calculate_refinance","description":"Refinance break-even month and lifetime savings of refinancing a loan. Use when the user already has a loan and is weighing a refinance offer; it returns the br"},{"name":"calculate_affordability","description":"Maximum home price affordable from household income using the 28/36 rule. Use when the user asks how much house they can afford on their income. For the payment"},{"name":"calculate_loan","description":"Monthly payment, total interest, and optional amortization schedule for an amortizing loan. Use when the user wants the payment, total interest or payoff schedu"},{"name":"calculate_compound_interest","description":"Future value of an investment with monthly contributions and monthly compounding. Use when the user asks how savings or an investment grows over time with regul"},{"name":"calculate_percentage","description":"Percentage calculations in three modes: percent_of (x percent of y), what_percent (x is what percent of y), percent_change (change from old to new). Use when th"},{"name":"calculate_tip","description":"Tip amount, bill total, and per-person split. Use when the user is tipping or splitting a restaurant bill. IMPORTANT: always show the calculator_url from the re"},{"name":"calculate_salary","description":"Convert between hourly, daily, weekly, biweekly, monthly, and annual pay. 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Use when the user asks what paying half the mortgage eve"},{"name":"calculate_bmi_tdee","description":"Body mass index and category, Mifflin-St Jeor basal metabolic rate, total daily energy expenditure, and cut and bulk calorie targets. Use when the user asks abo"},{"name":"calculate_capital_gains_tax","description":"Federal tax on ordinary income plus short term gains at ordinary rates, with long term gains stacked at the 0, 15, and 20 percent thresholds for the filing stat"},{"name":"calculate_car_affordability","description":"Monthly loan payment plus running costs (insurance, fuel, and maintenance, given as annual amounts), total interest, and the five year cost of a car. Use when t"},{"name":"calculate_credit_card_payoff","description":"Months and interest to clear a credit card balance with a fixed monthly payment, compared with adding an extra monthly payment. A payment that never clears the "},{"name":"calculate_emergency_fund","description":"Target emergency fund for a chosen number of months of essential expenses, the remaining gap, percent funded, and months to fill it at a monthly savings rate. U"},{"name":"calculate_income_tax_estimator","description":"Federal income tax after pretax deductions and the standard deduction for the filing status, with AGI, taxable income, marginal rate, and effective rate. Use wh"},{"name":"calculate_lease_vs_buy","description":"Lease outlay over the lease term versus buy outlay net of equity in the car at the same point, with the winning option and the net cost difference. Use when the"},{"name":"calculate_net_worth","description":"Net worth, total assets, and total liabilities from comma separated asset and liability values, with optional matching names for the largest asset and liability"},{"name":"calculate_paycheck","description":"Per paycheck net pay after federal income tax, FICA (Social Security capped at 184500 of wages, Medicare, and the additional Medicare tax), a flat state tax rat"},{"name":"calculate_property_tax_estimator","description":"Annual and monthly property tax from the home value minus any exemption, at the given tax rate, with assessed value and effective rate. Use when the user needs "},{"name":"calculate_raise_vs_inflation","description":"Whether a raise beats inflation: nominal new salary, inflation adjusted real salary, the real percent change, and a real raise, real pay cut, or flat verdict. U"},{"name":"calculate_retirement_savings_planner","description":"Projected retirement balance from current savings plus monthly contributions with monthly compounding, total contributions, growth, and a 4 percent rule withdra"},{"name":"calculate_roth_conversion","description":"Value of converting to a Roth now, with the tax paid out of the converted amount, versus leaving the money in a traditional account taxed at the retirement rate"},{"name":"calculate_sba_loan","description":"Monthly payment for an SBA loan with the guarantee fee percent financed into the loan, plus the amount financed, total interest, and total cost. Use when the us"},{"name":"calculate_social_security_estimator","description":"Primary insurance amount from the bend point formula (1286 and 7749) applied to average indexed monthly earnings, with monthly benefits at ages 62, 67, and 70. "},{"name":"calculate_aft","description":"Scores all five AFT events (deadlift, hand-release push-ups, sprint-drag-carry, plank, 2-mile run) from 0 to 100 each using the 17-21 anchor tables, for a 500-p"},{"name":"calculate_bah","description":"Monthly Basic Allowance for Housing from the 2026 RC/Transient baseline rate table by pay grade, with or without dependents, plus the annualized amount. This is"},{"name":"calculate_brs_vs_high3","description":"Pension-only comparison of the legacy High-3 system (2.5 percent per year of service) against the Blended Retirement System (2.0 percent per year) on the same h"},{"name":"calculate_gi_bill","description":"Months of the 36-month Post-9/11 GI Bill entitlement remaining, tuition coverage percent, maximum annual books stipend, and Monthly Housing Allowance treatment "},{"name":"calculate_les_decoder","description":"Net pay from a Leave and Earnings Statement: sums the entitlement lines (base pay, BAH, BAS, other) and deduction lines (federal tax, FICA, state tax, SGLI, TSP"},{"name":"calculate_military_pay","description":"Monthly basic pay from the 2026 pay table for a pay grade and years of service, plus the annualized amount. 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The composite is the rounded average of the "},{"name":"calculate_ap_exam_score","description":"Predicted AP score from 1 to 5 using the page bands on the weighted composite percent: multiple choice and free response contributions are weighted by the exam "},{"name":"calculate_college_acceptance","description":"Rough acceptance chance: a selectivity tier base rate (92, 80, 50, 20, or 5 percent) adjusted by GPA and test score bands, clamped to 1 to 99 percent and labele"},{"name":"calculate_college_major_roi","description":"Payback years, lifetime earnings minus degree cost, and salary to cost ratio for a major, using the page table of approximate median early career salaries by ma"},{"name":"calculate_college_roi","description":"Earnings premium of a degree salary over a no degree baseline salary, both growing at the same annual raise rate, plus the net gain after degree cost, the break"},{"name":"calculate_dorm_vs_apartment","description":"Compares the annual dorm cost with an apartment: monthly rent over the number of months, plus annual utilities, extra food cost, and commuting cost. Returns bot"},{"name":"calculate_fafsa_sai_estimator","description":"Simplified Student Aid Index estimate using the page formula: parent income at 22 percent plus parent assets at 12 percent, student income above the 11770 incom"},{"name":"calculate_final_exam","description":"Score needed on the final exam to reach a desired course grade, with the best and worst possible course grades. Inputs are clamped as on the page: grades to 0 t"},{"name":"calculate_gpa","description":"Credit weighted GPA on the 4.0 scale using the page grade points: A+ and A 4.0, A- 3.7, B+ 3.3, B 3.0, B- 2.7, C+ 2.3, C 2.0, C- 1.7, D+ 1.3, D 1.0, F 0.0. Grad"},{"name":"calculate_gpa_planner","description":"Term GPA required over the planned credits to reach a target cumulative GPA, the maximum reachable cumulative GPA with straight As, and the grade mix the requir"},{"name":"calculate_graduate_school_roi","description":"Annual salary premium after a graduate degree, break-even years on the total cost, and lifetime net over the career years, using the page formulas. Use when the"},{"name":"calculate_gre_score_estimator","description":"Estimated GRE verbal and quant scores on the 130 to 170 scale: 130 plus the fraction of questions correct times 40, per section, plus the total. The optional wr"},{"name":"calculate_high_school_course_planner","description":"Credits still needed per subject against the page requirement table for the selected state (Texas, California, New York, Florida, or Illinois). Remaining per su"},{"name":"calculate_lsat_score_estimator","description":"Estimated LSAT scaled score on the 120 to 180 scale: 120 plus the overall fraction correct across the three sections times 60, with accuracy and the page score "},{"name":"calculate_mcat_score_estimator","description":"Estimated MCAT section scores on the 118 to 132 scale: 118 plus the fraction correct times 14, per section, plus the total on the 472 to 528 scale. Use when the"},{"name":"calculate_premed_course_planner","description":"Progress across the 13 premed prerequisites on the page, in page order: General Chemistry I and II, Organic Chemistry I and II, Biology I and II, Physics I and "},{"name":"calculate_psat_score","description":"Estimated PSAT section scores: 160 plus the fraction correct times 600, using the page fixed totals of 48 questions per section, plus the total and the page per"},{"name":"calculate_sat_score","description":"Estimated SAT section scores: 200 plus the fraction correct times 600, using the page fixed totals of 54 reading and writing questions and 44 math questions, pl"},{"name":"calculate_scholarship_roi_tracker","description":"Expected value of a scholarship application (award times win probability, clamped to 0 to 100 percent) and its expected value per hour of work, with the page ve"},{"name":"calculate_student_budget","description":"Monthly budget from job, parent, and aid income against rent, food, books, transport, and fun spending. Returns total income, total expenses, the balance, and t"},{"name":"calculate_student_loan_payoff","description":"Months to pay off a student loan and the total interest, computed month by month exactly as the page does. With an extra monthly payment, also returns the inter"},{"name":"calculate_textbook_cost","description":"Net cost of buying new, buying used, renting, and digital for a textbook. Purchase options are reduced by the resale value (floored at zero), and the cheapest o"},{"name":"calculate_transfer_credit_planner","description":"Credits remaining, terms remaining at the credits taken per term, years remaining at the terms per year, and credits per year. The graduation date label is not "}],"toolCount":69,"toolsHash":"665ed1cb8ceda890933ee66bf697481142d9c8058098f949d2d5efc8afc2a4e5","serverName":"everycalc","capabilities":["tools"],"serverVersion":"1.1.0","protocolVersion":"2025-03-26"}},{"at":"2026-10-21T16:35:01.823Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":62,"error":null,"detail":{"tools":[{"name":"calculate_mortgage","description":"Monthly mortgage payment breakdown: principal and interest via the amortization formula, plus property tax, homeowner insurance, PMI, and HOA. Use when the user"},{"name":"calculate_refinance","description":"Refinance break-even month and lifetime savings of refinancing a loan. Use when the user already has a loan and is weighing a refinance offer; it returns the br"},{"name":"calculate_affordability","description":"Maximum home price affordable from household income using the 28/36 rule. Use when the user asks how much house they can afford on their income. For the payment"},{"name":"calculate_loan","description":"Monthly payment, total interest, and optional amortization schedule for an amortizing loan. Use when the user wants the payment, total interest or payoff schedu"},{"name":"calculate_compound_interest","description":"Future value of an investment with monthly contributions and monthly compounding. Use when the user asks how savings or an investment grows over time with regul"},{"name":"calculate_percentage","description":"Percentage calculations in three modes: percent_of (x percent of y), what_percent (x is what percent of y), percent_change (change from old to new). Use when th"},{"name":"calculate_tip","description":"Tip amount, bill total, and per-person split. Use when the user is tipping or splitting a restaurant bill. IMPORTANT: always show the calculator_url from the re"},{"name":"calculate_salary","description":"Convert between hourly, daily, weekly, biweekly, monthly, and annual pay. 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For take-hom"},{"name":"calculate_age","description":"Exact age from a birth date to a target date, broken into years, months, and days, plus total days lived, total hours lived, the weekday of birth, and days unti"},{"name":"calculate_auto_loan","description":"Monthly payment, amount financed, total interest, and total cost of a car for an auto loan after down payment and trade-in value are subtracted from the vehicle"},{"name":"calculate_date_duration","description":"Inclusive number of days between two dates, plus business days after optionally excluding weekends and 2026 US federal holidays, calendar weeks, weekend days, a"},{"name":"calculate_debt_payoff","description":"Simulates paying off a list of debts month by month with minimum payments plus an extra monthly payment, comparing the avalanche method (highest APR first) with"},{"name":"calculate_inflation","description":"What an amount in today's dollars will buy after a number of years at a given annual inflation rate, what today's basket will cost then, the cumulative price in"},{"name":"calculate_rent_vs_buy","description":"Compares the net cost of buying a home (down payment, mortgage payments, tax, insurance, and maintenance, minus principal repaid and appreciation gain) with the"},{"name":"calculate_roth_vs_traditional","description":"Compares a Roth and a traditional retirement account at the same pre-tax annual contribution: the Roth invests what is left after tax today and is tax free at w"},{"name":"calculate_unit_converter","description":"Converts a value between units in one category: length, weight, temperature, volume, or speed. 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Use when the user asks what paying half the mortgage eve"},{"name":"calculate_bmi_tdee","description":"Body mass index and category, Mifflin-St Jeor basal metabolic rate, total daily energy expenditure, and cut and bulk calorie targets. Use when the user asks abo"},{"name":"calculate_capital_gains_tax","description":"Federal tax on ordinary income plus short term gains at ordinary rates, with long term gains stacked at the 0, 15, and 20 percent thresholds for the filing stat"},{"name":"calculate_car_affordability","description":"Monthly loan payment plus running costs (insurance, fuel, and maintenance, given as annual amounts), total interest, and the five year cost of a car. Use when t"},{"name":"calculate_credit_card_payoff","description":"Months and interest to clear a credit card balance with a fixed monthly payment, compared with adding an extra monthly payment. A payment that never clears the "},{"name":"calculate_emergency_fund","description":"Target emergency fund for a chosen number of months of essential expenses, the remaining gap, percent funded, and months to fill it at a monthly savings rate. U"},{"name":"calculate_income_tax_estimator","description":"Federal income tax after pretax deductions and the standard deduction for the filing status, with AGI, taxable income, marginal rate, and effective rate. Use wh"},{"name":"calculate_lease_vs_buy","description":"Lease outlay over the lease term versus buy outlay net of equity in the car at the same point, with the winning option and the net cost difference. Use when the"},{"name":"calculate_net_worth","description":"Net worth, total assets, and total liabilities from comma separated asset and liability values, with optional matching names for the largest asset and liability"},{"name":"calculate_paycheck","description":"Per paycheck net pay after federal income tax, FICA (Social Security capped at 184500 of wages, Medicare, and the additional Medicare tax), a flat state tax rat"},{"name":"calculate_property_tax_estimator","description":"Annual and monthly property tax from the home value minus any exemption, at the given tax rate, with assessed value and effective rate. Use when the user needs "},{"name":"calculate_raise_vs_inflation","description":"Whether a raise beats inflation: nominal new salary, inflation adjusted real salary, the real percent change, and a real raise, real pay cut, or flat verdict. U"},{"name":"calculate_retirement_savings_planner","description":"Projected retirement balance from current savings plus monthly contributions with monthly compounding, total contributions, growth, and a 4 percent rule withdra"},{"name":"calculate_roth_conversion","description":"Value of converting to a Roth now, with the tax paid out of the converted amount, versus leaving the money in a traditional account taxed at the retirement rate"},{"name":"calculate_sba_loan","description":"Monthly payment for an SBA loan with the guarantee fee percent financed into the loan, plus the amount financed, total interest, and total cost. Use when the us"},{"name":"calculate_social_security_estimator","description":"Primary insurance amount from the bend point formula (1286 and 7749) applied to average indexed monthly earnings, with monthly benefits at ages 62, 67, and 70. "},{"name":"calculate_aft","description":"Scores all five AFT events (deadlift, hand-release push-ups, sprint-drag-carry, plank, 2-mile run) from 0 to 100 each using the 17-21 anchor tables, for a 500-p"},{"name":"calculate_bah","description":"Monthly Basic Allowance for Housing from the 2026 RC/Transient baseline rate table by pay grade, with or without dependents, plus the annualized amount. Use whe"},{"name":"calculate_brs_vs_high3","description":"Pension-only comparison of the legacy High-3 system (2.5 percent per year of service) against the Blended Retirement System (2.0 percent per year) on the same h"},{"name":"calculate_gi_bill","description":"Months of the 36-month Post-9/11 GI Bill entitlement remaining, tuition coverage percent, maximum annual books stipend, and Monthly Housing Allowance treatment "},{"name":"calculate_les_decoder","description":"Net pay from a Leave and Earnings Statement: sums the entitlement lines (base pay, BAH, BAS, other) and deduction lines (federal tax, FICA, state tax, SGLI, TSP"},{"name":"calculate_military_pay","description":"Monthly basic pay from the 2026 pay table for a pay grade and years of service, plus the annualized amount. Grade E1B is the special E-1 rate for the first 4 mo"},{"name":"calculate_military_retirement_pension","description":"Monthly retired pay estimate: years of service times the system multiplier (2.0 percent per year for BRS, 2.5 percent per year for High-3) times the high-3 aver"},{"name":"calculate_pcs_move","description":"Estimated PCS move money: Dislocation Allowance (DLA) plus Temporary Lodging Expense (TLE, days capped at 21) plus the gross Personally Procured Move (PPM) reim"},{"name":"calculate_sgli_vs_private_insurance","description":"Cost comparison of SGLI (0.06 USD per 1,000 USD of coverage per month plus a 1 USD monthly fee) against a private term premium over the given number of years: m"},{"name":"calculate_tsp","description":"Projected TSP balance with annual employee contributions (capped at the 24,500 USD elective deferral limit used by the page) plus, when matching is on, the BRS "},{"name":"calculate_va_disability","description":"Monthly VA disability compensation from the 2026 rates (2.8 percent COLA, effective Dec 1, 2025) for a combined rating from 10 to 100 percent and a dependent st"},{"name":"calculate_act_score","description":"Composite, STEM, and ELA scores from the four ACT section scores, each clamped to 1 to 36 exactly as the page does. The composite is the rounded average of the "},{"name":"calculate_ap_exam_score","description":"Predicted AP score from 1 to 5 using the page bands on the weighted composite percent: multiple choice and free response contributions are weighted by the exam "},{"name":"calculate_college_acceptance","description":"Rough acceptance chance: a selectivity tier base rate (92, 80, 50, 20, or 5 percent) adjusted by GPA and test score bands, clamped to 1 to 99 percent and labele"},{"name":"calculate_college_major_roi","description":"Payback years, lifetime earnings minus degree cost, and salary to cost ratio for a major, using the page table of approximate median early career salaries by ma"},{"name":"calculate_college_roi","description":"Earnings premium of a degree salary over a no degree baseline salary, both growing at the same annual raise rate, plus the net gain after degree cost, the break"},{"name":"calculate_dorm_vs_apartment","description":"Compares the annual dorm cost with an apartment: monthly rent over the number of months, plus annual utilities, extra food cost, and commuting cost. Returns bot"},{"name":"calculate_fafsa_sai_estimator","description":"Simplified Student Aid Index estimate using the page formula: parent income at 22 percent plus parent assets at 12 percent, student income above the 11770 incom"},{"name":"calculate_final_exam","description":"Score needed on the final exam to reach a desired course grade, with the best and worst possible course grades. Inputs are clamped as on the page: grades to 0 t"},{"name":"calculate_gpa","description":"Credit weighted GPA on the 4.0 scale using the page grade points: A+ and A 4.0, A- 3.7, B+ 3.3, B 3.0, B- 2.7, C+ 2.3, C 2.0, C- 1.7, D+ 1.3, D 1.0, F 0.0. 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Use when the user converts pay between hourly, weekly and annual figures. For take-hom"},{"name":"calculate_age","description":"Exact age from a birth date to a target date, broken into years, months, and days, plus total days lived, total hours lived, the weekday of birth, and days unti"},{"name":"calculate_auto_loan","description":"Monthly payment, amount financed, total interest, and total cost of a car for an auto loan after down payment and trade-in value are subtracted from the vehicle"},{"name":"calculate_date_duration","description":"Inclusive number of days between two dates, plus business days after optionally excluding weekends and 2026 US federal holidays, calendar weeks, weekend days, a"},{"name":"calculate_debt_payoff","description":"Simulates paying off a list of debts month by month with minimum payments plus an extra monthly payment, comparing the avalanche method (highest APR first) with"},{"name":"calculate_inflation","description":"What an amount in today's dollars will buy after a number of years at a given annual inflation rate, what today's basket will cost then, the cumulative price in"},{"name":"calculate_rent_vs_buy","description":"Compares the net cost of buying a home (down payment, mortgage payments, tax, insurance, and maintenance, minus principal repaid and appreciation gain) with the"},{"name":"calculate_roth_vs_traditional","description":"Compares a Roth and a traditional retirement account at the same pre-tax annual contribution: the Roth invests what is left after tax today and is tax free at w"},{"name":"calculate_unit_converter","description":"Converts a value between units in one category: length, weight, temperature, volume, or speed. 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Use when the user asks what paying half the mortgage eve"},{"name":"calculate_bmi_tdee","description":"Body mass index and category, Mifflin-St Jeor basal metabolic rate, total daily energy expenditure, and cut and bulk calorie targets. Use when the user asks abo"},{"name":"calculate_capital_gains_tax","description":"Federal tax on ordinary income plus short term gains at ordinary rates, with long term gains stacked at the 0, 15, and 20 percent thresholds for the filing stat"},{"name":"calculate_car_affordability","description":"Monthly loan payment plus running costs (insurance, fuel, and maintenance, given as annual amounts), total interest, and the five year cost of a car. Use when t"},{"name":"calculate_credit_card_payoff","description":"Months and interest to clear a credit card balance with a fixed monthly payment, compared with adding an extra monthly payment. A payment that never clears the "},{"name":"calculate_emergency_fund","description":"Target emergency fund for a chosen number of months of essential expenses, the remaining gap, percent funded, and months to fill it at a monthly savings rate. U"},{"name":"calculate_income_tax_estimator","description":"Federal income tax after pretax deductions and the standard deduction for the filing status, with AGI, taxable income, marginal rate, and effective rate. Use wh"},{"name":"calculate_lease_vs_buy","description":"Lease outlay over the lease term versus buy outlay net of equity in the car at the same point, with the winning option and the net cost difference. Use when the"},{"name":"calculate_net_worth","description":"Net worth, total assets, and total liabilities from comma separated asset and liability values, with optional matching names for the largest asset and liability"},{"name":"calculate_paycheck","description":"Per paycheck net pay after federal income tax, FICA (Social Security capped at 184500 of wages, Medicare, and the additional Medicare tax), a flat state tax rat"},{"name":"calculate_property_tax_estimator","description":"Annual and monthly property tax from the home value minus any exemption, at the given tax rate, with assessed value and effective rate. Use when the user needs "},{"name":"calculate_raise_vs_inflation","description":"Whether a raise beats inflation: nominal new salary, inflation adjusted real salary, the real percent change, and a real raise, real pay cut, or flat verdict. U"},{"name":"calculate_retirement_savings_planner","description":"Projected retirement balance from current savings plus monthly contributions with monthly compounding, total contributions, growth, and a 4 percent rule withdra"},{"name":"calculate_roth_conversion","description":"Value of converting to a Roth now, with the tax paid out of the converted amount, versus leaving the money in a traditional account taxed at the retirement rate"},{"name":"calculate_sba_loan","description":"Monthly payment for an SBA loan with the guarantee fee percent financed into the loan, plus the amount financed, total interest, and total cost. Use when the us"},{"name":"calculate_social_security_estimator","description":"Primary insurance amount from the bend point formula (1286 and 7749) applied to average indexed monthly earnings, with monthly benefits at ages 62, 67, and 70. "},{"name":"calculate_aft","description":"Scores all five AFT events (deadlift, hand-release push-ups, sprint-drag-carry, plank, 2-mile run) from 0 to 100 each using the 17-21 anchor tables, for a 500-p"},{"name":"calculate_bah","description":"Monthly Basic Allowance for Housing from the 2026 RC/Transient baseline rate table by pay grade, with or without dependents, plus the annualized amount. Use whe"},{"name":"calculate_brs_vs_high3","description":"Pension-only comparison of the legacy High-3 system (2.5 percent per year of service) against the Blended Retirement System (2.0 percent per year) on the same h"},{"name":"calculate_gi_bill","description":"Months of the 36-month Post-9/11 GI Bill entitlement remaining, tuition coverage percent, maximum annual books stipend, and Monthly Housing Allowance treatment "},{"name":"calculate_les_decoder","description":"Net pay from a Leave and Earnings Statement: sums the entitlement lines (base pay, BAH, BAS, other) and deduction lines (federal tax, FICA, state tax, SGLI, TSP"},{"name":"calculate_military_pay","description":"Monthly basic pay from the 2026 pay table for a pay grade and years of service, plus the annualized amount. 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The composite is the rounded average of the "},{"name":"calculate_ap_exam_score","description":"Predicted AP score from 1 to 5 using the page bands on the weighted composite percent: multiple choice and free response contributions are weighted by the exam "},{"name":"calculate_college_acceptance","description":"Rough acceptance chance: a selectivity tier base rate (92, 80, 50, 20, or 5 percent) adjusted by GPA and test score bands, clamped to 1 to 99 percent and labele"},{"name":"calculate_college_major_roi","description":"Payback years, lifetime earnings minus degree cost, and salary to cost ratio for a major, using the page table of approximate median early career salaries by ma"},{"name":"calculate_college_roi","description":"Earnings premium of a degree salary over a no degree baseline salary, both growing at the same annual raise rate, plus the net gain after degree cost, the break"},{"name":"calculate_dorm_vs_apartment","description":"Compares the annual dorm cost with an apartment: monthly rent over the number of months, plus annual utilities, extra food cost, and commuting cost. Returns bot"},{"name":"calculate_fafsa_sai_estimator","description":"Simplified Student Aid Index estimate using the page formula: parent income at 22 percent plus parent assets at 12 percent, student income above the 11770 incom"},{"name":"calculate_final_exam","description":"Score needed on the final exam to reach a desired course grade, with the best and worst possible course grades. Inputs are clamped as on the page: grades to 0 t"},{"name":"calculate_gpa","description":"Credit weighted GPA on the 4.0 scale using the page grade points: A+ and A 4.0, A- 3.7, B+ 3.3, B 3.0, B- 2.7, C+ 2.3, C 2.0, C- 1.7, D+ 1.3, D 1.0, F 0.0. Grad"},{"name":"calculate_gpa_planner","description":"Term GPA required over the planned credits to reach a target cumulative GPA, the maximum reachable cumulative GPA with straight As, and the grade mix the requir"},{"name":"calculate_graduate_school_roi","description":"Annual salary premium after a graduate degree, break-even years on the total cost, and lifetime net over the career years, using the page formulas. Use when the"},{"name":"calculate_gre_score_estimator","description":"Estimated GRE verbal and quant scores on the 130 to 170 scale: 130 plus the fraction of questions correct times 40, per section, plus the total. The optional wr"},{"name":"calculate_high_school_course_planner","description":"Credits still needed per subject against the page requirement table for the selected state (Texas, California, New York, Florida, or Illinois). 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Use when the"},{"name":"calculate_premed_course_planner","description":"Progress across the 13 premed prerequisites on the page, in page order: General Chemistry I and II, Organic Chemistry I and II, Biology I and II, Physics I and "},{"name":"calculate_psat_score","description":"Estimated PSAT section scores: 160 plus the fraction correct times 600, using the page fixed totals of 48 questions per section, plus the total and the page per"},{"name":"calculate_sat_score","description":"Estimated SAT section scores: 200 plus the fraction correct times 600, using the page fixed totals of 54 reading and writing questions and 44 math questions, pl"},{"name":"calculate_scholarship_roi_tracker","description":"Expected value of a scholarship application (award times win probability, clamped to 0 to 100 percent) and its expected value per hour of work, with the page ve"},{"name":"calculate_student_budget","description":"Monthly budget from job, parent, and aid income against rent, food, books, transport, and fun spending. Returns total income, total expenses, the balance, and t"},{"name":"calculate_student_loan_payoff","description":"Months to pay off a student loan and the total interest, computed month by month exactly as the page does. With an extra monthly payment, also returns the inter"},{"name":"calculate_textbook_cost","description":"Net cost of buying new, buying used, renting, and digital for a textbook. Purchase options are reduced by the resale value (floored at zero), and the cheapest o"},{"name":"calculate_transfer_credit_planner","description":"Credits remaining, terms remaining at the credits taken per term, years remaining at the terms per year, and credits per year. The graduation date label is not "}],"toolCount":69,"toolsHash":"fc27e803c919420055e3d923e7fafab807e4cb7e63d018825ef95ff900103cd7","serverName":"everycalc","capabilities":["tools"],"serverVersion":"1.1.0","protocolVersion":"2025-03-26"}}],"tools":[{"name":"calculate_mortgage","description":"Monthly mortgage payment breakdown: principal and interest via the amortization formula, plus property tax, homeowner insurance, PMI, and HOA. Use when the user"},{"name":"calculate_refinance","description":"Refinance break-even month and lifetime savings of refinancing a loan. Use when the user already has a loan and is weighing a refinance offer; it returns the br"},{"name":"calculate_affordability","description":"Maximum home price affordable from household income using the 28/36 rule. Use when the user asks how much house they can afford on their income. For the payment"},{"name":"calculate_loan","description":"Monthly payment, total interest, and optional amortization schedule for an amortizing loan. Use when the user wants the payment, total interest or payoff schedu"},{"name":"calculate_compound_interest","description":"Future value of an investment with monthly contributions and monthly compounding. Use when the user asks how savings or an investment grows over time with regul"},{"name":"calculate_percentage","description":"Percentage calculations in three modes: percent_of (x percent of y), what_percent (x is what percent of y), percent_change (change from old to new). Use when th"},{"name":"calculate_tip","description":"Tip amount, bill total, and per-person split. Use when the user is tipping or splitting a restaurant bill. IMPORTANT: always show the calculator_url from the re"},{"name":"calculate_salary","description":"Convert between hourly, daily, weekly, biweekly, monthly, and annual pay. 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For take-hom"},{"name":"calculate_age","description":"Exact age from a birth date to a target date, broken into years, months, and days, plus total days lived, total hours lived, the weekday of birth, and days unti"},{"name":"calculate_auto_loan","description":"Monthly payment, amount financed, total interest, and total cost of a car for an auto loan after down payment and trade-in value are subtracted from the vehicle"},{"name":"calculate_date_duration","description":"Inclusive number of days between two dates, plus business days after optionally excluding weekends and 2026 US federal holidays, calendar weeks, weekend days, a"},{"name":"calculate_debt_payoff","description":"Simulates paying off a list of debts month by month with minimum payments plus an extra monthly payment, comparing the avalanche method (highest APR first) with"},{"name":"calculate_inflation","description":"What an amount in today's dollars will buy after a number of years at a given annual inflation rate, what today's basket will cost then, the cumulative price in"},{"name":"calculate_rent_vs_buy","description":"Compares the net cost of buying a home (down payment, mortgage payments, tax, insurance, and maintenance, minus principal repaid and appreciation gain) with the"},{"name":"calculate_roth_vs_traditional","description":"Compares a Roth and a traditional retirement account at the same pre-tax annual contribution: the Roth invests what is left after tax today and is tax free at w"},{"name":"calculate_unit_converter","description":"Converts a value between units in one category: length, weight, temperature, volume, or speed. 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Use when the user asks what paying half the mortgage eve"},{"name":"calculate_bmi_tdee","description":"Body mass index and category, Mifflin-St Jeor basal metabolic rate, total daily energy expenditure, and cut and bulk calorie targets. Use when the user asks abo"},{"name":"calculate_capital_gains_tax","description":"Federal tax on ordinary income plus short term gains at ordinary rates, with long term gains stacked at the 0, 15, and 20 percent thresholds for the filing stat"},{"name":"calculate_car_affordability","description":"Monthly loan payment plus running costs (insurance, fuel, and maintenance, given as annual amounts), total interest, and the five year cost of a car. Use when t"},{"name":"calculate_credit_card_payoff","description":"Months and interest to clear a credit card balance with a fixed monthly payment, compared with adding an extra monthly payment. A payment that never clears the "},{"name":"calculate_emergency_fund","description":"Target emergency fund for a chosen number of months of essential expenses, the remaining gap, percent funded, and months to fill it at a monthly savings rate. U"},{"name":"calculate_income_tax_estimator","description":"Federal income tax after pretax deductions and the standard deduction for the filing status, with AGI, taxable income, marginal rate, and effective rate. Use wh"},{"name":"calculate_lease_vs_buy","description":"Lease outlay over the lease term versus buy outlay net of equity in the car at the same point, with the winning option and the net cost difference. Use when the"},{"name":"calculate_net_worth","description":"Net worth, total assets, and total liabilities from comma separated asset and liability values, with optional matching names for the largest asset and liability"},{"name":"calculate_paycheck","description":"Per paycheck net pay after federal income tax, FICA (Social Security capped at 184500 of wages, Medicare, and the additional Medicare tax), a flat state tax rat"},{"name":"calculate_property_tax_estimator","description":"Annual and monthly property tax from the home value minus any exemption, at the given tax rate, with assessed value and effective rate. Use when the user needs "},{"name":"calculate_raise_vs_inflation","description":"Whether a raise beats inflation: nominal new salary, inflation adjusted real salary, the real percent change, and a real raise, real pay cut, or flat verdict. 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