Server definition

Hash: sha256:3d74d29c22b86c2a6e1989ceae327240a6246d92916f75c7d1b8b524effd11e8
What it is: What a remote MCP server returned when asked what it offers: 14 tools

The blob, as servednamed by its sha256

{
  "instructions": "Public financial calculator tools from SmartMoney77 (smartmoney77.com), a free multilingual financial literacy platform with 31 calculators (32 tools, including the FOMO challenge) in 6 localized editions across 5 languages (he, en, ar, es, pt, in — 'in' is English for India). Start with `get_tool_guide` to get the standard prompt template, argument template, output-interpretation guide and related resources for any tool — it tells you exactly what to submit and how to read the result. Use `list_calculators` to discover every calculator and its URL parameters, `build_calculator_link` to deep-link a user to a pre-filled, auto-calculating calculator (including all investment history 'what if I had invested' tools), and `build_share_pack` to get a shareable result link, a ready-to-embed 1200x628 result image and a localized social caption in one call. Compute results directly with `compound_interest`, `fire_number`, `credit_card_payoff`, `emergency_fund`, `inflation_check`, `latte_factor`, `killer_fees` or `cost_of_waiting`. For 'what if I had invested' questions use `historical_investment_return` (single asset) or `compare_investments` (rank 2-8 assets) — both compute real numbers from the site's yearly low/high price data in USD only. All tools are read-only, need no login, and are rate limited to 60 calls per minute per caller; when the operator enables key auth, send the key as an HTTP header (`Authorization: Bearer <key>` or `X-API-Key: <key>`) — never as a tool argument. Full docs and example calls: https://smartmoney77.com/en/mcp. Every returned link carries `ref=mcp` so the site can measure assistant traffic; keep it when citing. Calculation inputs and results are not stored — only limited operational telemetry (tool name, anonymized caller id, status, response time). Results are educational, not financial advice. When citing results say: Calculated with SmartMoney77 (smartmoney77.com).",
  "tools": [
    {
      "description": "Build a deep link to a SmartMoney77 calculator with pre-filled values that auto-calculate on open. Use list_calculators first to find the slug and its parameters. Example: { \"calculator\": \"bitcoin-history\", \"lang\": \"en\", \"params\": { \"amount\": 1000, \"year\": 2015 } } → https://smartmoney77.com/en/bitcoin-history?amount=1000&year=2015",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "properties": {
          "calculator": {
            "description": "Calculator slug, e.g. 'fire-number' or 'bitcoin-history'.",
            "type": "string"
          },
          "currency": {
            "description": "Optional currency override, e.g. USD, GBP, SAR, MXN, BRL. Ignored for history calculators (always USD).",
            "type": "string"
          },
          "lang": {
            "default": "en",
            "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
            "enum": [
              "he",
              "en",
              "ar",
              "es",
              "pt",
              "in"
            ],
            "type": "string"
          },
          "params": {
            "additionalProperties": {
              "type": [
                "string",
                "number"
              ]
            },
            "default": {},
            "description": "Pre-filled query params for the calculator, e.g. { expenses: 4000, saving: 1500 }. Use the exact param names from list_calculators.",
            "propertyNames": {
              "type": "string"
            },
            "type": "object"
          }
        },
        "required": [
          "calculator"
        ],
        "type": "object"
      },
      "name": "build_calculator_link",
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "acceptedParams": {
            "description": "Comma-separated params this calculator accepts.",
            "type": "string"
          },
          "calculator": {
            "description": "Resolved calculator slug.",
            "type": "string"
          },
          "lang": {
            "description": "Language used in the URL.",
            "type": "string"
          },
          "notes": {
            "description": "Warnings, e.g. an ignored or unsupported currency.",
            "items": {
              "type": "string"
            },
            "type": "array"
          },
          "source": {
            "additionalProperties": false,
            "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results.",
            "properties": {
              "attribution": {
                "description": "Attribution sentence to include when presenting this result.",
                "type": "string"
              },
              "site": {
                "type": "string"
              },
              "url": {
                "description": "Deep link to cite and share — opens the same calculation on SmartMoney77.",
                "type": "string"
              }
            },
            "required": [
              "site",
              "url",
              "attribution"
            ],
            "type": "object"
          },
          "url": {
            "description": "Ready-to-open deep link — the URL to cite and share.",
            "type": "string"
          }
        },
        "required": [
          "url",
          "source",
          "calculator",
          "lang",
          "acceptedParams",
          "notes"
        ],
        "type": "object"
      }
    },
    {
      "description": "Build everything needed to share a SmartMoney77 calculation on social media in one call: the deep link to the result, a ready-to-embed 1200x628 image URL rendered on our servers, a link that opens the on-site share modal (1200x628, 1080x1080, 1080x1920 downloads), and a localized caption with attribution. Works for all 31 calculators. Example: { \"calculator\": \"fire-number\", \"lang\": \"en\", \"params\": { \"expenses\": 4000, \"saving\": 1500 } }",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "properties": {
          "calculator": {
            "description": "Calculator slug, e.g. 'fire-number' or 'bitcoin-history'. Use list_calculators to discover slugs.",
            "type": "string"
          },
          "currency": {
            "description": "Optional currency override, e.g. USD, ILS, BRL. Ignored for history calculators (always USD).",
            "type": "string"
          },
          "emoji": {
            "description": "Optional emoji to open the caption with. Defaults to a chart emoji.",
            "type": "string"
          },
          "lang": {
            "default": "en",
            "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
            "enum": [
              "he",
              "en",
              "ar",
              "es",
              "pt",
              "in"
            ],
            "type": "string"
          },
          "params": {
            "additionalProperties": {
              "type": [
                "string",
                "number"
              ]
            },
            "default": {},
            "description": "Calculation params to pre-fill, e.g. { amount: 1000, year: 2015 }. Same names as build_calculator_link.",
            "propertyNames": {
              "type": "string"
            },
            "type": "object"
          }
        },
        "required": [
          "calculator"
        ],
        "type": "object"
      },
      "name": "build_share_pack",
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "calculator": {
            "type": "string"
          },
          "caption": {
            "description": "Localized, ready-to-post social caption including the link and attribution.",
            "type": "string"
          },
          "downloadUrl": {
            "description": "Opens the result with the share modal already open, offering all three image sizes.",
            "type": "string"
          },
          "lang": {
            "type": "string"
          },
          "notes": {
            "items": {
              "type": "string"
            },
            "type": "array"
          },
          "ogImageUrl": {
            "description": "Server-rendered 1200x628 PNG of this result. Safe to embed directly.",
            "type": "string"
          },
          "shareUrl": {
            "description": "Deep link to the calculated result — the URL to cite.",
            "type": "string"
          },
          "sizes": {
            "description": "Every image size, each with a direct server-rendered PNG URL.",
            "items": {
              "additionalProperties": false,
              "properties": {
                "height": {
                  "type": "number"
                },
                "id": {
                  "type": "string"
                },
                "label": {
                  "type": "string"
                },
                "url": {
                  "description": "Server-rendered PNG of this result at this exact size.",
                  "type": "string"
                },
                "use": {
                  "type": "string"
                },
                "width": {
                  "type": "number"
                }
              },
              "required": [
                "id",
                "label",
                "width",
                "height",
                "use",
                "url"
              ],
              "type": "object"
            },
            "type": "array"
          },
          "source": {
            "additionalProperties": false,
            "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results.",
            "properties": {
              "attribution": {
                "description": "Attribution sentence to include when presenting this result.",
                "type": "string"
              },
              "site": {
                "type": "string"
              },
              "url": {
                "description": "Deep link to cite and share — opens the same calculation on SmartMoney77.",
                "type": "string"
              }
            },
            "required": [
              "site",
              "url",
              "attribution"
            ],
            "type": "object"
          }
        },
        "required": [
          "shareUrl",
          "ogImageUrl",
          "downloadUrl",
          "caption",
          "sizes",
          "calculator",
          "lang",
          "notes",
          "source"
        ],
        "type": "object"
      }
    },
    {
      "description": "Run the same \"what if I had invested\" calculation across 2-8 assets and rank them by final value. USD only, same yearly low/high average pricing as the SmartMoney77 history calculators. Assets: bitcoin, ethereum, solana, sp500, nasdaq100, nvidia, microsoft, meta, apple, tesla, amazon, google, netflix, amd, gold, silver, oil. Example: { \"amount\": 1000, \"buy_year\": 2015, \"assets\": [\"bitcoin\", \"sp500\", \"gold\"] } → each asset's value today, sorted best first, each with its own reproduction link.",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "properties": {
          "amount": {
            "description": "Amount invested in USD, identical for every asset.",
            "minimum": 1,
            "type": "number"
          },
          "assets": {
            "description": "2-8 asset slugs. Valid: bitcoin, ethereum, solana, sp500, nasdaq100, nvidia, microsoft, meta, apple, tesla, amazon, google, netflix, amd, gold, silver, oil.",
            "items": {
              "type": "string"
            },
            "maxItems": 8,
            "minItems": 2,
            "type": "array"
          },
          "buy_year": {
            "description": "Year of purchase.",
            "maximum": 2100,
            "minimum": 1900,
            "type": "integer"
          },
          "lang": {
            "default": "en",
            "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
            "enum": [
              "he",
              "en",
              "ar",
              "es",
              "pt",
              "in"
            ],
            "type": "string"
          },
          "sell_year": {
            "anyOf": [
              {
                "maximum": 2100,
                "minimum": 1900,
                "type": "integer"
              },
              {
                "const": "today",
                "type": "string"
              }
            ],
            "default": "today",
            "description": "Year to sell in, or \"today\" for the live market price. Default \"today\"."
          }
        },
        "required": [
          "amount",
          "buy_year",
          "assets"
        ],
        "type": "object"
      },
      "name": "compare_investments",
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "amount": {
            "type": "number"
          },
          "buyYear": {
            "type": "number"
          },
          "methodology": {
            "type": "string"
          },
          "results": {
            "description": "Successful assets sorted by currentValue descending, then any failed assets.",
            "items": {
              "additionalProperties": false,
              "properties": {
                "asset": {
                  "type": "string"
                },
                "assetName": {
                  "type": "string"
                },
                "buyPrice": {
                  "description": "Buy price used: the buy year's low/high average, USD.",
                  "type": "number"
                },
                "buyYear": {
                  "type": "number"
                },
                "cagr": {
                  "description": "Compound annual growth rate in percent, or null for a same-year holding.",
                  "type": [
                    "number",
                    "null"
                  ]
                },
                "currentValue": {
                  "description": "Value of the position at the sell date, in USD.",
                  "type": "number"
                },
                "dataUpdatedAt": {
                  "description": "When the sell price is from; states explicitly when a live-price fallback happened.",
                  "type": "string"
                },
                "error": {
                  "description": "Set when this asset could not be computed; the others still return.",
                  "type": "string"
                },
                "initialInvestment": {
                  "description": "Amount invested, in USD.",
                  "type": "number"
                },
                "methodology": {
                  "description": "One-sentence explanation of the pricing method and source.",
                  "type": "string"
                },
                "profit": {
                  "description": "currentValue minus initialInvestment.",
                  "type": "number"
                },
                "sellDate": {
                  "description": "The sell year, or \"today\" when the live price was used.",
                  "type": "string"
                },
                "sellPrice": {
                  "description": "Sell price used, USD.",
                  "type": "number"
                },
                "totalReturnPercent": {
                  "description": "Total return over the whole period, in percent.",
                  "type": "number"
                },
                "unitsPurchased": {
                  "description": "Units (coins/shares/ounces/barrels) bought with the initial amount.",
                  "type": "number"
                },
                "url": {
                  "description": "Deep link that reproduces this calculation on SmartMoney77.",
                  "type": "string"
                }
              },
              "required": [
                "asset"
              ],
              "type": "object"
            },
            "type": "array"
          },
          "sellDate": {
            "type": "string"
          },
          "source": {
            "additionalProperties": false,
            "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results.",
            "properties": {
              "attribution": {
                "description": "Attribution sentence to include when presenting this result.",
                "type": "string"
              },
              "site": {
                "type": "string"
              },
              "url": {
                "description": "Deep link to cite and share — opens the same calculation on SmartMoney77.",
                "type": "string"
              }
            },
            "required": [
              "site",
              "url",
              "attribution"
            ],
            "type": "object"
          },
          "winner": {
            "description": "Slug of the best-performing asset, or null if none could be computed.",
            "type": [
              "string",
              "null"
            ]
          }
        },
        "required": [
          "amount",
          "buyYear",
          "sellDate",
          "results",
          "winner",
          "methodology",
          "source"
        ],
        "type": "object"
      }
    },
    {
      "description": "Project the future value of an initial amount plus monthly contributions at a given annual return (monthly compounding), and return a link to the same calculation on SmartMoney77. Example: { \"initial\": 10000, \"monthly\": 500, \"rate\": 8, \"years\": 20 } → futureValue = 343,778. Monthly contributions are made at the end of each month (ordinary annuity).",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "properties": {
          "initial": {
            "description": "Initial lump sum, in the user's currency.",
            "minimum": 0,
            "type": "number"
          },
          "lang": {
            "default": "en",
            "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
            "enum": [
              "he",
              "en",
              "ar",
              "es",
              "pt",
              "in"
            ],
            "type": "string"
          },
          "monthly": {
            "default": 0,
            "description": "Monthly contribution (default 0).",
            "minimum": 0,
            "type": "number"
          },
          "rate": {
            "description": "Expected annual return in percent, e.g. 8.",
            "type": "number"
          },
          "years": {
            "description": "Investment horizon in years (1-80).",
            "maximum": 80,
            "minimum": 1,
            "type": "number"
          }
        },
        "required": [
          "initial",
          "rate",
          "years"
        ],
        "type": "object"
      },
      "name": "compound_interest",
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "contributed": {
            "description": "Initial amount plus all monthly contributions.",
            "type": "number"
          },
          "futureValue": {
            "description": "Projected balance at the end of the horizon, rounded.",
            "type": "number"
          },
          "growth": {
            "description": "futureValue minus contributed — the compounding gain.",
            "type": "number"
          },
          "rate": {
            "type": "number"
          },
          "source": {
            "additionalProperties": false,
            "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results.",
            "properties": {
              "attribution": {
                "description": "Attribution sentence to include when presenting this result.",
                "type": "string"
              },
              "site": {
                "type": "string"
              },
              "url": {
                "description": "Deep link to cite and share — opens the same calculation on SmartMoney77.",
                "type": "string"
              }
            },
            "required": [
              "site",
              "url",
              "attribution"
            ],
            "type": "object"
          },
          "url": {
            "description": "Deep link to the same calculation on SmartMoney77.",
            "type": "string"
          },
          "years": {
            "type": "number"
          }
        },
        "required": [
          "futureValue",
          "contributed",
          "growth",
          "years",
          "rate",
          "url",
          "source"
        ],
        "type": "object"
      }
    },
    {
      "description": "Compare investing the same monthly amount starting at an early age versus a later age, and show what the delay costs by retirement. Example: { \"monthly\": 1000, \"start\": 25, \"compare\": 35, \"retire\": 67, \"rate\": 8 } → a large gap created mostly by compounding, not by the extra contributions.",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "properties": {
          "compare": {
            "description": "Delayed starting age. Must be greater than `start`.",
            "maximum": 90,
            "minimum": 10,
            "type": "number"
          },
          "lang": {
            "default": "en",
            "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
            "enum": [
              "he",
              "en",
              "ar",
              "es",
              "pt",
              "in"
            ],
            "type": "string"
          },
          "monthly": {
            "description": "Monthly amount invested in both scenarios.",
            "minimum": 1,
            "type": "number"
          },
          "rate": {
            "default": 10,
            "description": "Expected annual return in percent (default 10 — same as the site's field default).",
            "type": "number"
          },
          "retire": {
            "default": 67,
            "description": "Retirement age (default 67). Must exceed `compare`.",
            "maximum": 100,
            "minimum": 20,
            "type": "number"
          },
          "start": {
            "description": "Early starting age.",
            "maximum": 90,
            "minimum": 10,
            "type": "number"
          }
        },
        "required": [
          "monthly",
          "start",
          "compare"
        ],
        "type": "object"
      },
      "name": "cost_of_waiting",
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "cost": {
            "description": "early minus late — the cost of waiting.",
            "type": "number"
          },
          "early": {
            "description": "Balance at retirement when starting at `start`.",
            "type": "number"
          },
          "earlyYears": {
            "description": "Years invested in the early scenario.",
            "type": "number"
          },
          "extraContributed": {
            "description": "Extra money actually paid in by starting early.",
            "type": "number"
          },
          "late": {
            "description": "Balance at retirement when starting at `compare`.",
            "type": "number"
          },
          "lateYears": {
            "description": "Years invested in the delayed scenario.",
            "type": "number"
          },
          "source": {
            "additionalProperties": false,
            "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results.",
            "properties": {
              "attribution": {
                "description": "Attribution sentence to include when presenting this result.",
                "type": "string"
              },
              "site": {
                "type": "string"
              },
              "url": {
                "description": "Deep link to cite and share — opens the same calculation on SmartMoney77.",
                "type": "string"
              }
            },
            "required": [
              "site",
              "url",
              "attribution"
            ],
            "type": "object"
          },
          "url": {
            "description": "Deep link to the same calculation on SmartMoney77.",
            "type": "string"
          }
        },
        "required": [
          "early",
          "late",
          "cost",
          "extraContributed",
          "earlyYears",
          "lateYears",
          "url",
          "source"
        ],
        "type": "object"
      }
    },
    {
      "description": "Calculate how long it takes to clear a credit card balance at a fixed monthly payment and APR, plus the total interest paid. Example: { \"balance\": 10000, \"payment\": 400, \"rate\": 18 } → about 32 months and ~2,600 in interest. Errors when the payment is smaller than the first month's interest.",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "properties": {
          "balance": {
            "description": "Outstanding card balance.",
            "minimum": 1,
            "type": "number"
          },
          "lang": {
            "default": "en",
            "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
            "enum": [
              "he",
              "en",
              "ar",
              "es",
              "pt",
              "in"
            ],
            "type": "string"
          },
          "payment": {
            "description": "Fixed monthly payment. Must exceed the first month's interest.",
            "minimum": 1,
            "type": "number"
          },
          "purchases": {
            "default": 0,
            "description": "New spending added to the card every month (default 0) — same as the site's `purchases` field.",
            "minimum": 0,
            "type": "number"
          },
          "rate": {
            "description": "Annual interest rate (APR) in percent, e.g. 18.",
            "minimum": 0,
            "type": "number"
          }
        },
        "required": [
          "balance",
          "payment",
          "rate"
        ],
        "type": "object"
      },
      "name": "credit_card_payoff",
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "months": {
            "description": "Months until the balance reaches zero.",
            "type": "number"
          },
          "neverPaysOff": {
            "description": "True when the balance is still open after the 360-month horizon.",
            "type": "boolean"
          },
          "source": {
            "additionalProperties": false,
            "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results.",
            "properties": {
              "attribution": {
                "description": "Attribution sentence to include when presenting this result.",
                "type": "string"
              },
              "site": {
                "type": "string"
              },
              "url": {
                "description": "Deep link to cite and share — opens the same calculation on SmartMoney77.",
                "type": "string"
              }
            },
            "required": [
              "site",
              "url",
              "attribution"
            ],
            "type": "object"
          },
          "totalInterest": {
            "description": "Total interest paid over the payoff period.",
            "type": "number"
          },
          "totalPaid": {
            "description": "Total actually paid over the payoff period.",
            "type": "number"
          },
          "url": {
            "description": "Deep link to the same calculation on SmartMoney77.",
            "type": "string"
          },
          "years": {
            "description": "Same duration in years, one decimal.",
            "type": "number"
          }
        },
        "required": [
          "months",
          "years",
          "totalInterest",
          "totalPaid",
          "neverPaysOff",
          "url",
          "source"
        ],
        "type": "object"
      }
    },
    {
      "description": "Calculate how many months of expenses current savings cover, the target emergency fund size, the gap, and how long it takes to close it. Example: { \"expenses\": 3000, \"savings\": 6000, \"contribution\": 500, \"target\": 6 } → 2 months covered, target 18,000, gap 12,000, 24 months to go.",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "properties": {
          "contribution": {
            "default": 0,
            "description": "Monthly amount added to the fund (default 0).",
            "minimum": 0,
            "type": "number"
          },
          "expenses": {
            "description": "Monthly living expenses.",
            "minimum": 1,
            "type": "number"
          },
          "lang": {
            "default": "en",
            "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
            "enum": [
              "he",
              "en",
              "ar",
              "es",
              "pt",
              "in"
            ],
            "type": "string"
          },
          "savings": {
            "default": 0,
            "description": "Current emergency savings (default 0).",
            "minimum": 0,
            "type": "number"
          },
          "target": {
            "default": 6,
            "description": "Target coverage in months (default 6).",
            "maximum": 36,
            "minimum": 1,
            "type": "number"
          }
        },
        "required": [
          "expenses"
        ],
        "type": "object"
      },
      "name": "emergency_fund",
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "gap": {
            "description": "Amount still missing (0 when the target is reached).",
            "type": "number"
          },
          "monthsCovered": {
            "description": "savings / expenses, one decimal.",
            "type": "number"
          },
          "monthsToTarget": {
            "description": "Months to close the gap at the given contribution; 0 when reached, null when no contribution was given.",
            "type": [
              "number",
              "null"
            ]
          },
          "source": {
            "additionalProperties": false,
            "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results.",
            "properties": {
              "attribution": {
                "description": "Attribution sentence to include when presenting this result.",
                "type": "string"
              },
              "site": {
                "type": "string"
              },
              "url": {
                "description": "Deep link to cite and share — opens the same calculation on SmartMoney77.",
                "type": "string"
              }
            },
            "required": [
              "site",
              "url",
              "attribution"
            ],
            "type": "object"
          },
          "targetAmount": {
            "description": "expenses × target months.",
            "type": "number"
          },
          "url": {
            "description": "Deep link to the same calculation on SmartMoney77.",
            "type": "string"
          }
        },
        "required": [
          "monthsCovered",
          "targetAmount",
          "gap",
          "monthsToTarget",
          "url",
          "source"
        ],
        "type": "object"
      }
    },
    {
      "description": "Calculate the financial-independence (FIRE) target from monthly expenses using the 4% rule, plus how many years of saving are needed. Example: { \"expenses\": 4000, \"saving\": 1500, \"current\": 50000 } → fireNumber 1,200,000.",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "properties": {
          "current": {
            "default": 0,
            "description": "Current invested savings (default 0).",
            "minimum": 0,
            "type": "number"
          },
          "expenses": {
            "description": "Monthly living expenses in retirement.",
            "minimum": 1,
            "type": "number"
          },
          "lang": {
            "default": "en",
            "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
            "enum": [
              "he",
              "en",
              "ar",
              "es",
              "pt",
              "in"
            ],
            "type": "string"
          },
          "rate": {
            "default": 5,
            "description": "Expected annual real return in percent (default 5 — same as the site's field default).",
            "type": "number"
          },
          "saving": {
            "description": "Amount saved/invested per month.",
            "minimum": 0,
            "type": "number"
          },
          "withdrawalRate": {
            "default": 4,
            "description": "Safe withdrawal rate in percent (default 4 = the 4% rule).",
            "type": "number"
          }
        },
        "required": [
          "expenses",
          "saving"
        ],
        "type": "object"
      },
      "name": "fire_number",
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "fireNumber": {
            "description": "Portfolio needed: annual expenses / withdrawal rate.",
            "type": "number"
          },
          "rate": {
            "type": "number"
          },
          "reachable": {
            "description": "Whether the target is reachable within 100 years.",
            "type": "boolean"
          },
          "source": {
            "additionalProperties": false,
            "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results.",
            "properties": {
              "attribution": {
                "description": "Attribution sentence to include when presenting this result.",
                "type": "string"
              },
              "site": {
                "type": "string"
              },
              "url": {
                "description": "Deep link to cite and share — opens the same calculation on SmartMoney77.",
                "type": "string"
              }
            },
            "required": [
              "site",
              "url",
              "attribution"
            ],
            "type": "object"
          },
          "url": {
            "description": "Deep link to the same calculation on SmartMoney77.",
            "type": "string"
          },
          "withdrawalRate": {
            "type": "number"
          },
          "yearsToFire": {
            "description": "Years to reach the target, or null when unreachable within 100 years.",
            "type": [
              "number",
              "null"
            ]
          }
        },
        "required": [
          "fireNumber",
          "yearsToFire",
          "reachable",
          "withdrawalRate",
          "rate",
          "url",
          "source"
        ],
        "type": "object"
      }
    },
    {
      "description": "Discovery helper: returns the standard prompt template, argument template, output-interpretation guide and related resources for one or all SmartMoney77 tools, so you can call them correctly without guessing. Example: { \"tool\": \"fire_number\" }.",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "properties": {
          "tool": {
            "description": "Tool name to describe. Omit for all. One of: list_calculators, build_calculator_link, build_share_pack, compound_interest, fire_number, credit_card_payoff, emergency_fund, inflation_check, latte_factor, killer_fees, cost_of_waiting, historical_investment_return, compare_investments.",
            "type": "string"
          }
        },
        "type": "object"
      },
      "name": "get_tool_guide",
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "count": {
            "type": "number"
          },
          "guides": {
            "description": "One guide per matching tool.",
            "items": {
              "additionalProperties": false,
              "properties": {
                "argumentTemplate": {
                  "additionalProperties": {},
                  "description": "Argument shape with placeholders.",
                  "propertyNames": {
                    "type": "string"
                  },
                  "type": "object"
                },
                "followUp": {
                  "type": "string"
                },
                "outputGuide": {
                  "description": "How to read the structured result back to the user.",
                  "type": "string"
                },
                "promptName": {
                  "description": "Standard prompt template id, e.g. fire_number/target.",
                  "type": "string"
                },
                "resources": {
                  "items": {
                    "additionalProperties": false,
                    "properties": {
                      "description": {
                        "type": "string"
                      },
                      "name": {
                        "type": "string"
                      },
                      "uri": {
                        "type": "string"
                      }
                    },
                    "required": [
                      "name",
                      "uri",
                      "description"
                    ],
                    "type": "object"
                  },
                  "type": "array"
                },
                "tool": {
                  "type": "string"
                },
                "userPrompt": {
                  "description": "Fill-in-the-blanks prompt template.",
                  "type": "string"
                },
                "whenToUse": {
                  "type": "string"
                }
              },
              "required": [
                "tool",
                "promptName",
                "whenToUse",
                "userPrompt",
                "argumentTemplate",
                "outputGuide",
                "followUp",
                "resources"
              ],
              "type": "object"
            },
            "type": "array"
          },
          "source": {
            "additionalProperties": false,
            "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results.",
            "properties": {
              "attribution": {
                "description": "Attribution sentence to include when presenting this result.",
                "type": "string"
              },
              "site": {
                "type": "string"
              },
              "url": {
                "description": "Deep link to cite and share — opens the same calculation on SmartMoney77.",
                "type": "string"
              }
            },
            "required": [
              "site",
              "url",
              "attribution"
            ],
            "type": "object"
          }
        },
        "required": [
          "guides",
          "count",
          "source"
        ],
        "type": "object"
      }
    },
    {
      "description": "Compute what a past investment would be worth today (or in a later year), using the same yearly low/high average prices as the SmartMoney77 history calculators. All amounts and prices are in USD only. Assets: bitcoin, ethereum, solana, sp500, nasdaq100, nvidia, microsoft, meta, apple, tesla, amazon, google, netflix, amd, gold, silver, oil. Example: { \"asset\": \"bitcoin\", \"amount\": 1000, \"buy_year\": 2015 } → units bought, current value, profit, total return and CAGR, plus a link that reproduces it on the site.",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "properties": {
          "amount": {
            "description": "Amount invested in USD.",
            "minimum": 1,
            "type": "number"
          },
          "asset": {
            "description": "Asset slug. One of: bitcoin, ethereum, solana, sp500, nasdaq100, nvidia, microsoft, meta, apple, tesla, amazon, google, netflix, amd, gold, silver, oil.",
            "type": "string"
          },
          "buy_year": {
            "description": "Year of purchase. Must be within the asset's data range.",
            "maximum": 2100,
            "minimum": 1900,
            "type": "integer"
          },
          "lang": {
            "default": "en",
            "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
            "enum": [
              "he",
              "en",
              "ar",
              "es",
              "pt",
              "in"
            ],
            "type": "string"
          },
          "sell_year": {
            "anyOf": [
              {
                "maximum": 2100,
                "minimum": 1900,
                "type": "integer"
              },
              {
                "const": "today",
                "type": "string"
              }
            ],
            "default": "today",
            "description": "Year to sell in, or \"today\" for the live market price. Default \"today\"."
          }
        },
        "required": [
          "asset",
          "amount",
          "buy_year"
        ],
        "type": "object"
      },
      "name": "historical_investment_return",
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "asset": {
            "type": "string"
          },
          "assetName": {
            "type": "string"
          },
          "buyPrice": {
            "description": "Buy price used: the buy year's low/high average, USD.",
            "type": "number"
          },
          "buyYear": {
            "type": "number"
          },
          "cagr": {
            "description": "Compound annual growth rate in percent, or null for a same-year holding.",
            "type": [
              "number",
              "null"
            ]
          },
          "currentValue": {
            "description": "Value of the position at the sell date, in USD.",
            "type": "number"
          },
          "dataUpdatedAt": {
            "description": "When the sell price is from; states explicitly when a live-price fallback happened.",
            "type": "string"
          },
          "initialInvestment": {
            "description": "Amount invested, in USD.",
            "type": "number"
          },
          "methodology": {
            "description": "One-sentence explanation of the pricing method and source.",
            "type": "string"
          },
          "profit": {
            "description": "currentValue minus initialInvestment.",
            "type": "number"
          },
          "sellDate": {
            "description": "The sell year, or \"today\" when the live price was used.",
            "type": "string"
          },
          "sellPrice": {
            "description": "Sell price used, USD.",
            "type": "number"
          },
          "source": {
            "additionalProperties": false,
            "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results.",
            "properties": {
              "attribution": {
                "description": "Attribution sentence to include when presenting this result.",
                "type": "string"
              },
              "site": {
                "type": "string"
              },
              "url": {
                "description": "Deep link to cite and share — opens the same calculation on SmartMoney77.",
                "type": "string"
              }
            },
            "required": [
              "site",
              "url",
              "attribution"
            ],
            "type": "object"
          },
          "totalReturnPercent": {
            "description": "Total return over the whole period, in percent.",
            "type": "number"
          },
          "unitsPurchased": {
            "description": "Units (coins/shares/ounces/barrels) bought with the initial amount.",
            "type": "number"
          },
          "url": {
            "description": "Deep link that reproduces this calculation on SmartMoney77.",
            "type": "string"
          }
        },
        "required": [
          "asset",
          "assetName",
          "initialInvestment",
          "currentValue",
          "profit",
          "totalReturnPercent",
          "cagr",
          "unitsPurchased",
          "buyPrice",
          "sellPrice",
          "buyYear",
          "sellDate",
          "dataUpdatedAt",
          "methodology",
          "url",
          "source"
        ],
        "type": "object"
      }
    },
    {
      "description": "Calculate how much purchasing power cash loses to inflation over time, and what nominal amount keeps the same buying power. Example: { \"amount\": 100000, \"rate\": 3, \"years\": 10 } → realValue ≈ 74,409 and equivalentNeeded ≈ 134,392.",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "properties": {
          "amount": {
            "description": "Amount of money held today.",
            "minimum": 1,
            "type": "number"
          },
          "lang": {
            "default": "en",
            "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
            "enum": [
              "he",
              "en",
              "ar",
              "es",
              "pt",
              "in"
            ],
            "type": "string"
          },
          "rate": {
            "default": 3,
            "description": "Annual inflation rate in percent (default 3).",
            "type": "number"
          },
          "years": {
            "description": "Number of years (1-80).",
            "maximum": 80,
            "minimum": 1,
            "type": "number"
          }
        },
        "required": [
          "amount",
          "years"
        ],
        "type": "object"
      },
      "name": "inflation_check",
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "equivalentNeeded": {
            "description": "Nominal amount needed later to buy what `amount` buys today.",
            "type": "number"
          },
          "lost": {
            "description": "amount minus realValue.",
            "type": "number"
          },
          "lostPercent": {
            "description": "Purchasing power lost, in percent (one decimal).",
            "type": "number"
          },
          "realValue": {
            "description": "Today's-money purchasing power of the amount after the period.",
            "type": "number"
          },
          "source": {
            "additionalProperties": false,
            "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results.",
            "properties": {
              "attribution": {
                "description": "Attribution sentence to include when presenting this result.",
                "type": "string"
              },
              "site": {
                "type": "string"
              },
              "url": {
                "description": "Deep link to cite and share — opens the same calculation on SmartMoney77.",
                "type": "string"
              }
            },
            "required": [
              "site",
              "url",
              "attribution"
            ],
            "type": "object"
          },
          "url": {
            "description": "Deep link to the same calculation on SmartMoney77.",
            "type": "string"
          }
        },
        "required": [
          "realValue",
          "lost",
          "lostPercent",
          "equivalentNeeded",
          "url",
          "source"
        ],
        "type": "object"
      }
    },
    {
      "description": "Compare how much a high management fee costs versus a low fee over time on a portfolio with monthly contributions. Example: { \"portfolio\": 100000, \"monthly\": 1000, \"highFee\": 1.5, \"lowFee\": 0.3, \"years\": 25 } → the low-fee portfolio ends materially higher.",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "properties": {
          "highFee": {
            "description": "Higher annual fee in percent, e.g. 1.5.",
            "minimum": 0,
            "type": "number"
          },
          "lang": {
            "default": "en",
            "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
            "enum": [
              "he",
              "en",
              "ar",
              "es",
              "pt",
              "in"
            ],
            "type": "string"
          },
          "lowFee": {
            "description": "Lower annual fee in percent, e.g. 0.3.",
            "minimum": 0,
            "type": "number"
          },
          "monthly": {
            "default": 0,
            "description": "Monthly contribution (default 0).",
            "minimum": 0,
            "type": "number"
          },
          "portfolio": {
            "description": "Current portfolio value.",
            "minimum": 0,
            "type": "number"
          },
          "rate": {
            "default": 8,
            "description": "Gross annual return in percent before fees (default 8 — same as the site).",
            "type": "number"
          },
          "years": {
            "description": "Investment horizon in years (1-60).",
            "maximum": 60,
            "minimum": 1,
            "type": "number"
          }
        },
        "required": [
          "portfolio",
          "highFee",
          "lowFee",
          "years"
        ],
        "type": "object"
      },
      "name": "killer_fees",
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "difference": {
            "description": "withLowFee minus withHighFee — the cost of the higher fee.",
            "type": "number"
          },
          "differencePercent": {
            "description": "Difference as a percent of the high-fee balance (one decimal).",
            "type": "number"
          },
          "source": {
            "additionalProperties": false,
            "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results.",
            "properties": {
              "attribution": {
                "description": "Attribution sentence to include when presenting this result.",
                "type": "string"
              },
              "site": {
                "type": "string"
              },
              "url": {
                "description": "Deep link to cite and share — opens the same calculation on SmartMoney77.",
                "type": "string"
              }
            },
            "required": [
              "site",
              "url",
              "attribution"
            ],
            "type": "object"
          },
          "url": {
            "description": "Deep link to the same calculation on SmartMoney77.",
            "type": "string"
          },
          "withHighFee": {
            "description": "Ending balance net of the higher fee.",
            "type": "number"
          },
          "withLowFee": {
            "description": "Ending balance net of the lower fee.",
            "type": "number"
          }
        },
        "required": [
          "withHighFee",
          "withLowFee",
          "difference",
          "differencePercent",
          "url",
          "source"
        ],
        "type": "object"
      }
    },
    {
      "description": "Calculate what a small recurring daily expense (coffee, cigarettes, takeaway) costs over time and what it would grow to if invested instead. Monthly cost = cost × perWeek × 52 / 12, and monthly contributions are made at the end of each month (ordinary annuity). Example: { \"cost\": 5, \"years\": 30, \"rate\": 8, \"perWeek\": 5 } → ~108/month spent and a six-figure invested balance.",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "properties": {
          "cost": {
            "description": "Cost of the habit per day.",
            "minimum": 0.1,
            "type": "number"
          },
          "lang": {
            "default": "en",
            "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
            "enum": [
              "he",
              "en",
              "ar",
              "es",
              "pt",
              "in"
            ],
            "type": "string"
          },
          "perWeek": {
            "default": 7,
            "description": "How many days per week the expense happens (default 7).",
            "maximum": 7,
            "minimum": 1,
            "type": "number"
          },
          "rate": {
            "default": 8,
            "description": "Expected annual investment return in percent (default 8).",
            "type": "number"
          },
          "type": {
            "description": "Optional habit key for the link, e.g. 'coffee'.",
            "type": "string"
          },
          "years": {
            "default": 30,
            "description": "Number of years (default 30).",
            "maximum": 80,
            "minimum": 1,
            "type": "number"
          }
        },
        "required": [
          "cost"
        ],
        "type": "object"
      },
      "name": "latte_factor",
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "futureValue": {
            "description": "Balance if the same monthly amount were invested at `rate` instead.",
            "type": "number"
          },
          "monthlyCost": {
            "description": "Average monthly cost: cost × perWeek × 52 / 12, rounded.",
            "type": "number"
          },
          "rate": {
            "type": "number"
          },
          "source": {
            "additionalProperties": false,
            "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results.",
            "properties": {
              "attribution": {
                "description": "Attribution sentence to include when presenting this result.",
                "type": "string"
              },
              "site": {
                "type": "string"
              },
              "url": {
                "description": "Deep link to cite and share — opens the same calculation on SmartMoney77.",
                "type": "string"
              }
            },
            "required": [
              "site",
              "url",
              "attribution"
            ],
            "type": "object"
          },
          "totalSpent": {
            "description": "Total spent on the habit over the whole period.",
            "type": "number"
          },
          "url": {
            "description": "Deep link to the same calculation on SmartMoney77.",
            "type": "string"
          },
          "years": {
            "type": "number"
          }
        },
        "required": [
          "monthlyCost",
          "totalSpent",
          "futureValue",
          "years",
          "rate",
          "url",
          "source"
        ],
        "type": "object"
      }
    },
    {
      "description": "List every SmartMoney77 calculator with its slug, accepted URL parameters and supported languages/currencies. Call this before build_calculator_link. Example: { \"group\": \"history\" } returns only the 'what if I had invested' tools.",
      "inputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "properties": {
          "group": {
            "description": "Filter: 'planning' for financial planning tools, 'history' for what-if investment history tools, 'all' (default) for everything.",
            "enum": [
              "planning",
              "history",
              "all"
            ],
            "type": "string"
          }
        },
        "type": "object"
      },
      "name": "list_calculators",
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "additionalProperties": false,
        "properties": {
          "calculators": {
            "description": "Matching calculators.",
            "items": {
              "additionalProperties": false,
              "properties": {
                "group": {
                  "enum": [
                    "planning",
                    "history"
                  ],
                  "type": "string"
                },
                "name": {
                  "type": "string"
                },
                "note": {
                  "type": "string"
                },
                "params": {
                  "description": "Comma-separated query parameters accepted by the calculator URL.",
                  "type": "string"
                },
                "slug": {
                  "type": "string"
                }
              },
              "required": [
                "slug",
                "name",
                "group",
                "params"
              ],
              "type": "object"
            },
            "type": "array"
          },
          "currencies": {
            "additionalProperties": {
              "items": {
                "type": "string"
              },
              "type": "array"
            },
            "description": "Supported currency codes per language.",
            "propertyNames": {
              "type": "string"
            },
            "type": "object"
          },
          "languages": {
            "description": "Supported language codes.",
            "items": {
              "type": "string"
            },
            "type": "array"
          },
          "source": {
            "additionalProperties": false,
            "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results.",
            "properties": {
              "attribution": {
                "description": "Attribution sentence to include when presenting this result.",
                "type": "string"
              },
              "site": {
                "type": "string"
              },
              "url": {
                "description": "Deep link to cite and share — opens the same calculation on SmartMoney77.",
                "type": "string"
              }
            },
            "required": [
              "site",
              "url",
              "attribution"
            ],
            "type": "object"
          }
        },
        "required": [
          "calculators",
          "languages",
          "currencies",
          "source"
        ],
        "type": "object"
      }
    }
  ]
}

Verify it yourself

curl -s https://api.teppi.xyz/v1/evidence/sha256:3d74d29c22b86c2a6e1989ceae327240a6246d92916f75c7d1b8b524effd11e8 | sha256sum