Server definition
- Hash
- sha256:ecd6a67a330169dc577240b523f3e95d3b50845702f4c384e35aaa3bea626aa9
- What it is
- What a remote MCP server returned when asked what it offers: 99 tools
The blob, as servednamed by its sha256
{
"instructions": "99 deterministic personal-finance calculators spanning loans & mortgages, time value of money, investing & risk, bonds, options, retirement (FIRE), real estate, business, tax, and everyday money. Each tool is a pure function of its inputs: no user data, no live prices, no FX lookups — pass rates and statutory figures in. Exception: de-net-salary carries the official German statutory data for tax years 2023-2026 (BMF Programmablaufplan, exact to the euro). Returns numbers and schedules, never financial advice.",
"tools": [
{
"description": "Accrued interest since the last coupon: the annual coupon pro-rated by days elapsed over the day-count basis.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"couponRatePct": {
"description": "Annual coupon rate in percent.",
"type": "number"
},
"dayCountBasis": {
"description": "Day-count basis (default 360).",
"type": "number"
},
"daysSinceLastCoupon": {
"description": "Days since the last coupon.",
"type": "number"
},
"faceValue": {
"description": "Face value.",
"type": "number"
}
},
"required": [
"faceValue",
"couponRatePct",
"daysSinceLastCoupon"
],
"type": "object"
},
"name": "accrued-interest",
"outputSchema": {
"properties": {
"accrued": {
"description": "Accrued interest.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "After-tax yield: a yield reduced by the tax rate. Percents in and out.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"taxRatePct": {
"description": "Tax rate in percent.",
"type": "number"
},
"yieldPct": {
"description": "Pre-tax yield in percent.",
"type": "number"
}
},
"required": [
"yieldPct",
"taxRatePct"
],
"type": "object"
},
"name": "after-tax-yield",
"outputSchema": {
"properties": {
"afterTaxPct": {
"description": "After-tax yield, percent.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Monthly loan amortization schedule and summary. Supports dated extra principal payments and a rate-fixed period. detail controls output size: 'summary' (default) returns totals plus a per-year breakdown; 'monthly' returns the full schedule (paginate with offset/limit). Returns numbers and schedules; no advice.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"amount": {
"description": "Loan principal.",
"type": "number"
},
"detail": {
"description": "Output size. summary (default): totals + yearly breakdown. monthly: full schedule (use offset/limit to paginate).",
"enum": [
"summary",
"yearly",
"monthly"
],
"type": "string"
},
"extra": {
"description": "Optional dated extra principal payments.",
"items": {
"properties": {
"amount": {
"description": "Extra principal.",
"type": "number"
},
"date": {
"description": "ISO date.",
"type": "string"
}
},
"type": "object"
},
"type": "array"
},
"fixedUntil": {
"description": "Optional. Rate is certain until this ISO date; beyond it the schedule is an estimate.",
"type": "string"
},
"limit": {
"description": "Max monthly rows when detail=monthly (default and maximum 360; page with nextOffset).",
"type": "number"
},
"mode": {
"description": "Fix the term (compute the payment) or fix the payment (compute the term).",
"enum": [
"term",
"payment"
],
"type": "string"
},
"offset": {
"description": "Monthly schedule start index when detail=monthly (default 0).",
"type": "number"
},
"payment": {
"description": "Monthly payment, used when mode is 'payment'.",
"type": "number"
},
"rate": {
"description": "Annual interest rate in percent (6 = 6%).",
"type": "number"
},
"rateSteps": {
"description": "Optional rate changes (e.g. after a Zinsbindung). The installment is held; from each date the outstanding balance continues at the new annual rate.",
"items": {
"properties": {
"date": {
"description": "ISO date the new rate starts.",
"type": "string"
},
"rate": {
"description": "New annual rate in percent.",
"type": "number"
}
},
"required": [
"date",
"rate"
],
"type": "object"
},
"type": "array"
},
"startDate": {
"description": "First payment month as an ISO date (YYYY-MM-DD).",
"type": "string"
},
"termYears": {
"description": "Term in years, used when mode is 'term'.",
"type": "number"
}
},
"required": [
"amount",
"rate",
"mode",
"startDate"
],
"type": "object"
},
"name": "amortization",
"outputSchema": {
"properties": {
"monthlyPayment": {
"description": "Monthly payment.",
"type": "number"
},
"nextOffset": {
"description": "Next pagination offset, or null.",
"type": "number"
},
"payments": {
"description": "Number of payments made.",
"type": "number"
},
"payoffDate": {
"description": "Payoff date, ISO.",
"type": "string"
},
"schedule": {
"description": "Monthly rows (only when detail=monthly).",
"type": "array"
},
"scheduleTotal": {
"description": "Total monthly rows (when detail=monthly).",
"type": "number"
},
"scheduledMonths": {
"description": "Scheduled months (null if open-ended).",
"type": "number"
},
"totalInterest": {
"description": "Total interest paid.",
"type": "number"
},
"totalPaid": {
"description": "Total paid (incl. extras).",
"type": "number"
},
"yearly": {
"description": "Per-year totals: { year, interest, principal, extra, payments, endBalance }.",
"type": "array"
}
},
"type": "object"
}
},
{
"description": "Future value of an ordinary annuity. rate is the per-period rate in percent.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"payment": {
"description": "Payment per period.",
"type": "number"
},
"periods": {
"description": "Number of periods.",
"type": "number"
},
"ratePct": {
"description": "Rate per period in percent.",
"type": "number"
}
},
"required": [
"payment",
"ratePct",
"periods"
],
"type": "object"
},
"name": "annuity-fv",
"outputSchema": {
"properties": {
"fv": {
"description": "Future value.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "The level payment that amortizes a present value over n periods (the loan-payment formula). rate is per period.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"periods": {
"description": "Number of periods.",
"type": "number"
},
"presentValue": {
"description": "Present value / principal.",
"type": "number"
},
"ratePct": {
"description": "Rate per period in percent.",
"type": "number"
}
},
"required": [
"presentValue",
"ratePct",
"periods"
],
"type": "object"
},
"name": "annuity-payment",
"outputSchema": {
"properties": {
"payment": {
"description": "Level payment (null if periods<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Present value of an ordinary annuity (level payment at each period end). rate is the per-period rate in percent.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"payment": {
"description": "Payment per period.",
"type": "number"
},
"periods": {
"description": "Number of periods.",
"type": "number"
},
"ratePct": {
"description": "Rate per period in percent.",
"type": "number"
}
},
"required": [
"payment",
"ratePct",
"periods"
],
"type": "object"
},
"name": "annuity-pv",
"outputSchema": {
"properties": {
"pv": {
"description": "Present value.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Balloon loan: payment based on a long amortization, with the balloon being the balance still due after the shorter balloon term.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"amortMonths": {
"description": "Amortization basis in months.",
"type": "number"
},
"amount": {
"description": "Loan amount.",
"type": "number"
},
"balloonMonths": {
"description": "Months until the balloon is due.",
"type": "number"
},
"ratePct": {
"description": "Annual rate in percent.",
"type": "number"
}
},
"required": [
"amount",
"ratePct",
"balloonMonths",
"amortMonths"
],
"type": "object"
},
"name": "balloon-loan",
"outputSchema": {
"properties": {
"balloon": {
"description": "Balloon balance due.",
"type": "number"
},
"payment": {
"description": "Monthly payment.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Barista FIRE: the nest egg needed when part-time income covers part of the spending, so the portfolio only funds the remainder at the safe withdrawal rate.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"annualSpend": {
"description": "Yearly spending.",
"type": "number"
},
"partTimeIncome": {
"description": "Yearly part-time income.",
"type": "number"
},
"withdrawalRatePct": {
"description": "Safe withdrawal rate in percent (default 4).",
"type": "number"
}
},
"required": [
"annualSpend",
"partTimeIncome"
],
"type": "object"
},
"name": "barista-fire",
"outputSchema": {
"properties": {
"target": {
"description": "Nest egg needed (null if withdrawal rate<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Biweekly mortgage acceleration: paying half the monthly payment every two weeks. Returns the biweekly payment and the months and interest saved.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"amount": {
"description": "Loan amount.",
"type": "number"
},
"ratePct": {
"description": "Annual rate in percent.",
"type": "number"
},
"termMonths": {
"description": "Original term in months.",
"type": "number"
}
},
"required": [
"amount",
"ratePct",
"termMonths"
],
"type": "object"
},
"name": "biweekly-payoff",
"outputSchema": {
"properties": {
"biweeklyPayment": {
"description": "Biweekly payment.",
"type": "number"
},
"interestSaved": {
"description": "Interest saved.",
"type": "number"
},
"monthsSaved": {
"description": "Months saved.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Black-Scholes price of a European call or put option, plus d1/d2. Volatility and rates in percent; optional continuous dividend yield.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"dividendYieldPct": {
"description": "Continuous dividend yield in percent (default 0).",
"type": "number"
},
"riskFreePct": {
"description": "Risk-free rate in percent.",
"type": "number"
},
"spot": {
"description": "Current underlying price.",
"type": "number"
},
"strike": {
"description": "Strike price.",
"type": "number"
},
"type": {
"description": "Option type (default call).",
"enum": [
"call",
"put"
],
"type": "string"
},
"volatilityPct": {
"description": "Annualized volatility in percent.",
"type": "number"
},
"years": {
"description": "Time to expiry in years.",
"type": "number"
}
},
"required": [
"spot",
"strike",
"years",
"volatilityPct",
"riskFreePct"
],
"type": "object"
},
"name": "black-scholes",
"outputSchema": {
"properties": {
"d1": {
"description": "d1.",
"type": "number"
},
"d2": {
"description": "d2.",
"type": "number"
},
"price": {
"description": "Option price (null if degenerate).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Macaulay duration (PV-weighted average time of cashflows, in years) and modified duration (price sensitivity to yield).",
"inputSchema": {
"additionalProperties": false,
"properties": {
"couponRatePct": {
"description": "Annual coupon rate in percent.",
"type": "number"
},
"faceValue": {
"description": "Face value.",
"type": "number"
},
"periodsPerYear": {
"description": "Coupon periods per year (default 2).",
"type": "number"
},
"years": {
"description": "Years to maturity.",
"type": "number"
},
"yieldPct": {
"description": "Annual yield in percent.",
"type": "number"
}
},
"required": [
"faceValue",
"couponRatePct",
"years",
"yieldPct"
],
"type": "object"
},
"name": "bond-duration",
"outputSchema": {
"properties": {
"macaulay": {
"description": "Macaulay duration, years.",
"type": "number"
},
"modified": {
"description": "Modified duration.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Price of a coupon bond given a yield: present value of the coupons plus the face at maturity.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"couponRatePct": {
"description": "Annual coupon rate in percent of face.",
"type": "number"
},
"faceValue": {
"description": "Face (par) value.",
"type": "number"
},
"periodsPerYear": {
"description": "Coupon periods per year (default 2).",
"type": "number"
},
"years": {
"description": "Years to maturity.",
"type": "number"
},
"yieldPct": {
"description": "Annual yield in percent.",
"type": "number"
}
},
"required": [
"faceValue",
"couponRatePct",
"years",
"yieldPct"
],
"type": "object"
},
"name": "bond-price",
"outputSchema": {
"properties": {
"price": {
"description": "Bond price (null if degenerate).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Break-even volume: fixed costs divided by the per-unit contribution (price - variable cost), plus the revenue at that volume.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"fixedCosts": {
"description": "Total fixed costs.",
"type": "number"
},
"pricePerUnit": {
"description": "Selling price per unit.",
"type": "number"
},
"variableCostPerUnit": {
"description": "Variable cost per unit.",
"type": "number"
}
},
"required": [
"fixedCosts",
"pricePerUnit",
"variableCostPerUnit"
],
"type": "object"
},
"name": "break-even-units",
"outputSchema": {
"properties": {
"revenue": {
"description": "Revenue at break-even (null if none).",
"type": "number"
},
"units": {
"description": "Break-even units (null if no contribution).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "The 50/30/20 budget split of monthly income into needs, wants, and savings.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"monthlyIncome": {
"description": "Monthly take-home income.",
"type": "number"
}
},
"required": [
"monthlyIncome"
],
"type": "object"
},
"name": "budget-50-30-20",
"outputSchema": {
"properties": {
"needs": {
"description": "50% needs.",
"type": "number"
},
"savings": {
"description": "20% savings.",
"type": "number"
},
"wants": {
"description": "30% wants.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Compound annual growth rate between two values over a number of years. Returns a decimal (0.07 means 7%).",
"inputSchema": {
"additionalProperties": false,
"properties": {
"begin": {
"description": "Starting value.",
"type": "number"
},
"end": {
"description": "Ending value.",
"type": "number"
},
"years": {
"description": "Number of years.",
"type": "number"
}
},
"required": [
"begin",
"end",
"years"
],
"type": "object"
},
"name": "cagr",
"outputSchema": {
"properties": {
"value": {
"description": "Result value.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Capitalization rate: net operating income as a percent of property value.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"noi": {
"description": "Net operating income.",
"type": "number"
},
"propertyValue": {
"description": "Property value.",
"type": "number"
}
},
"required": [
"noi",
"propertyValue"
],
"type": "object"
},
"name": "cap-rate",
"outputSchema": {
"properties": {
"capRatePct": {
"description": "Cap rate, percent (null if value<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Cash-on-cash return: annual pre-tax cash flow as a percent of the cash invested.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"annualCashFlow": {
"description": "Annual pre-tax cash flow.",
"type": "number"
},
"cashInvested": {
"description": "Cash invested.",
"type": "number"
}
},
"required": [
"annualCashFlow",
"cashInvested"
],
"type": "object"
},
"name": "cash-on-cash",
"outputSchema": {
"properties": {
"cashOnCashPct": {
"description": "Cash-on-cash return, percent (null if invested<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Coast FIRE: whether the current nest egg, left to grow untouched to retirement, already reaches the FIRE target. Returns the target, the projected balance, whether it coasts, and any shortfall.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"annualRatePct": {
"description": "Expected annual growth in percent.",
"type": "number"
},
"annualSpend": {
"description": "Yearly spending in retirement.",
"type": "number"
},
"currentNestEgg": {
"description": "Amount invested today.",
"type": "number"
},
"withdrawalRatePct": {
"description": "Safe withdrawal rate in percent (default 4).",
"type": "number"
},
"yearsToRetirement": {
"description": "Years until retirement.",
"type": "number"
}
},
"required": [
"currentNestEgg",
"annualRatePct",
"yearsToRetirement",
"annualSpend"
],
"type": "object"
},
"name": "coast-fire",
"outputSchema": {
"properties": {
"fireTarget": {
"description": "FIRE target.",
"type": "number"
},
"gap": {
"description": "Shortfall in future-value terms.",
"type": "number"
},
"isCoasting": {
"description": "True if it already coasts.",
"type": "boolean"
},
"projected": {
"description": "Projected balance at retirement.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Compound growth at any frequency, with an optional contribution each period (paid at period end). Generalizes future-value (periodsPerYear 1) and contributions (periodsPerYear 12).",
"inputSchema": {
"additionalProperties": false,
"properties": {
"annualRatePct": {
"description": "Annual growth rate in percent.",
"type": "number"
},
"contributionPerPeriod": {
"description": "Optional. Amount added each period (default 0).",
"type": "number"
},
"periodsPerYear": {
"description": "Compounding periods per year (default 1).",
"type": "number"
},
"principal": {
"description": "Starting amount.",
"type": "number"
},
"years": {
"description": "Number of years.",
"type": "number"
}
},
"required": [
"principal",
"annualRatePct",
"years"
],
"type": "object"
},
"name": "compound-interest",
"outputSchema": {
"properties": {
"value": {
"description": "Result value.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Contribution margin per unit and as a percent of price.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"pricePerUnit": {
"description": "Selling price per unit.",
"type": "number"
},
"variableCostPerUnit": {
"description": "Variable cost per unit.",
"type": "number"
}
},
"required": [
"pricePerUnit",
"variableCostPerUnit"
],
"type": "object"
},
"name": "contribution-margin",
"outputSchema": {
"properties": {
"contributionMargin": {
"description": "Contribution per unit.",
"type": "number"
},
"ratioPct": {
"description": "Contribution margin ratio, percent (null if price=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Future value of a fixed monthly contribution, optionally stepping up each year.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"annualRatePct": {
"description": "Annual growth rate in percent.",
"type": "number"
},
"contribGrowthPct": {
"description": "Optional. Contribution step-up percent per year.",
"type": "number"
},
"monthly": {
"description": "Monthly contribution.",
"type": "number"
},
"months": {
"description": "Number of months.",
"type": "number"
}
},
"required": [
"monthly",
"annualRatePct",
"months"
],
"type": "object"
},
"name": "contributions",
"outputSchema": {
"properties": {
"value": {
"description": "Result value.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Bond convexity (years^2): the curvature of price with respect to yield, used alongside duration.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"couponRatePct": {
"description": "Annual coupon rate in percent.",
"type": "number"
},
"faceValue": {
"description": "Face value.",
"type": "number"
},
"periodsPerYear": {
"description": "Coupon periods per year (default 2).",
"type": "number"
},
"years": {
"description": "Years to maturity.",
"type": "number"
},
"yieldPct": {
"description": "Annual yield in percent.",
"type": "number"
}
},
"required": [
"faceValue",
"couponRatePct",
"years",
"yieldPct"
],
"type": "object"
},
"name": "convexity",
"outputSchema": {
"properties": {
"convexity": {
"description": "Convexity, years^2.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Months to clear a credit-card balance at a fixed monthly payment, plus interest paid. Null when the payment can't cover the first month's interest.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"aprPct": {
"description": "Annual percentage rate in percent.",
"type": "number"
},
"balance": {
"description": "Current balance.",
"type": "number"
},
"monthlyPayment": {
"description": "Fixed monthly payment.",
"type": "number"
}
},
"required": [
"balance",
"aprPct",
"monthlyPayment"
],
"type": "object"
},
"name": "credit-card-payoff",
"outputSchema": {
"properties": {
"months": {
"description": "Months to clear (null if never).",
"type": "number"
},
"totalInterest": {
"description": "Total interest (null if never).",
"type": "number"
},
"totalPaid": {
"description": "Total paid (null if never).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Current ratio: current assets over current liabilities.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"currentAssets": {
"description": "Current assets.",
"type": "number"
},
"currentLiabilities": {
"description": "Current liabilities.",
"type": "number"
}
},
"required": [
"currentAssets",
"currentLiabilities"
],
"type": "object"
},
"name": "current-ratio",
"outputSchema": {
"properties": {
"currentRatio": {
"description": "Current ratio (null if liabilities<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Current yield: the annual coupon as a percent of the bond's current price.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"couponRatePct": {
"description": "Annual coupon rate in percent of face.",
"type": "number"
},
"faceValue": {
"description": "Face value.",
"type": "number"
},
"price": {
"description": "Current bond price.",
"type": "number"
}
},
"required": [
"price",
"faceValue",
"couponRatePct"
],
"type": "object"
},
"name": "current-yield",
"outputSchema": {
"properties": {
"currentYieldPct": {
"description": "Current yield, percent (null if price<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "German flat tax on capital income (Abgeltungsteuer, §32d EStG) for tax years 2023-2026 with the year's Sparerpauschbetrag built in. 25% above the allowance, Soli 5.5% on top (no Freigrenze for capital income), and with church tax the statutory reduced rate (e.g. 24.45% at 9%) plus the church tax itself.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"capitalIncome": {
"description": "Annual capital income (interest, dividends, realized gains) in EUR.",
"type": "number"
},
"churchTaxPct": {
"description": "Church tax rate: 8, 9, or 0 for none (default 0).",
"type": "number"
},
"foreignTaxCredit": {
"description": "Optional. Creditable foreign withholding tax (q in the §32d formula).",
"type": "number"
},
"joint": {
"description": "true for jointly assessed couples (doubles the Sparerpauschbetrag).",
"type": "boolean"
},
"year": {
"description": "Tax year: 2023, 2024, 2025 or 2026.",
"type": "number"
}
},
"required": [
"year",
"capitalIncome"
],
"type": "object"
},
"name": "de-abgeltungsteuer",
"outputSchema": {
"properties": {
"allowance": {
"description": "Sparerpauschbetrag applied.",
"type": "number"
},
"capitalIncome": {
"description": "Income.",
"type": "number"
},
"churchTax": {
"description": "Church tax.",
"type": "number"
},
"effectiveRatePct": {
"description": "Total tax / income, percent.",
"type": "number"
},
"incomeTax": {
"description": "Flat tax (25% or church-reduced).",
"type": "number"
},
"net": {
"description": "Income after taxes.",
"type": "number"
},
"soli": {
"description": "Soli (5.5%).",
"type": "number"
},
"taxable": {
"description": "Taxable after allowance.",
"type": "number"
},
"totalTax": {
"description": "All taxes.",
"type": "number"
},
"year": {
"description": "Tax year.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "German net (Netto) salary from gross (Brutto). No tax tables are baked in: look up the current year's statutory figures and pass them in. Income tax (Lohnsteuer) and Soli are amounts; church tax is a percent of the income tax; the four employee social rates and the two contribution ceilings are inputs. Use consistent units (e.g. all annual).",
"inputSchema": {
"additionalProperties": false,
"properties": {
"carePct": {
"description": "Employee long-term care (Pflegeversicherung) rate in percent.",
"type": "number"
},
"churchTaxPct": {
"description": "Church tax (Kirchensteuer) rate in percent of income tax (8 or 9, 0 if none).",
"type": "number"
},
"gross": {
"description": "Gross salary (Brutto).",
"type": "number"
},
"healthCeiling": {
"description": "Contribution ceiling for health and care.",
"type": "number"
},
"healthPct": {
"description": "Employee health (Krankenversicherung incl. Zusatzbeitrag) rate in percent.",
"type": "number"
},
"incomeTax": {
"description": "Income tax (Lohnsteuer) amount for the period — look up via the §32a / Steuerklasse tables.",
"type": "number"
},
"pensionCeiling": {
"description": "Contribution ceiling (Beitragsbemessungsgrenze) for pension and unemployment.",
"type": "number"
},
"pensionPct": {
"description": "Employee pension (Rentenversicherung) rate in percent (e.g. 9.3).",
"type": "number"
},
"soli": {
"description": "Solidarity surcharge (Solidaritätszuschlag) amount (often 0 below the threshold).",
"type": "number"
},
"unemploymentPct": {
"description": "Employee unemployment (Arbeitslosenversicherung) rate in percent (e.g. 1.3).",
"type": "number"
}
},
"required": [
"gross"
],
"type": "object"
},
"name": "de-gross-to-net",
"outputSchema": {
"properties": {
"churchTax": {
"description": "Church tax.",
"type": "number"
},
"contributions": {
"description": "{ pension, unemployment, health, care, total }.",
"type": "object"
},
"gross": {
"description": "Gross.",
"type": "number"
},
"incomeTax": {
"description": "Income tax.",
"type": "number"
},
"net": {
"description": "Net.",
"type": "number"
},
"soli": {
"description": "Soli.",
"type": "number"
},
"totalDeductions": {
"description": "Total deductions.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "German child benefit (Kindergeld) for 2023-2026: the year's flat monthly amount per child (uniform since 2023), as monthly and annual totals.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"children": {
"description": "Number of children (default 1).",
"type": "number"
},
"year": {
"description": "Year: 2023, 2024, 2025 or 2026.",
"type": "number"
}
},
"required": [
"year"
],
"type": "object"
},
"name": "de-kindergeld",
"outputSchema": {
"properties": {
"annual": {
"description": "Total annual.",
"type": "number"
},
"children": {
"description": "Children.",
"type": "number"
},
"monthly": {
"description": "Total monthly.",
"type": "number"
},
"perChildMonthly": {
"description": "Monthly amount per child.",
"type": "number"
},
"year": {
"description": "Year.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "German Midijob / Uebergangsbereich (paragraph 20 Abs. 2a SGB IV) for 2023-2026: classifies a monthly pay as Minijob / Midijob / regular against the year's thresholds and, inside the Midijob band, computes the reduced contribution bases (Faktor F from the year's rates) and the employee vs employer social-insurance split.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"age": {
"description": "Optional. Age - under 23 skips the childless care surcharge.",
"type": "number"
},
"bundesland": {
"description": "Optional. State code; SN applies the Saxony care split.",
"type": "string"
},
"children": {
"description": "Children, for the care-insurance rate (default 0).",
"type": "number"
},
"childrenUnder25": {
"description": "Optional. Children under 25 for the care discounts, when different.",
"type": "number"
},
"kvZusatzPct": {
"description": "Optional. Krankenkasse Zusatzbeitrag in percent; defaults to the year's average.",
"type": "number"
},
"monthlyPay": {
"description": "Gross monthly pay in EUR.",
"type": "number"
},
"year": {
"description": "Year: 2023, 2024, 2025 or 2026.",
"type": "number"
}
},
"required": [
"year",
"monthlyPay"
],
"type": "object"
},
"name": "de-midijob",
"outputSchema": {
"properties": {
"contributionBase": {
"description": "{ total, employee } reduced bases.",
"type": "object"
},
"employee": {
"description": "{ pension, unemployment, health, care, total }.",
"type": "object"
},
"employer": {
"description": "{ total }.",
"type": "object"
},
"faktorF": {
"description": "Faktor F (midijob only).",
"type": "number"
},
"monthlyPay": {
"description": "Pay.",
"type": "number"
},
"rates": {
"description": "{ employee, total } percent rates.",
"type": "object"
},
"savingsVsFull": {
"description": "Employee saving vs full contributions.",
"type": "number"
},
"thresholds": {
"description": "{ minijobMonthly, midijobUpper }.",
"type": "object"
},
"year": {
"description": "Year.",
"type": "number"
},
"zone": {
"description": "minijob | midijob | regular | none.",
"type": "string"
}
},
"type": "object"
}
},
{
"description": "Exact German net (Netto) salary from annual gross (Brutto) for tax years 2023-2026. Income tax and Soli follow the official BMF Programmablaufplan for the year (to the euro; 2024 uses the retroactive December tariff), church tax comes from the PAP's Kirchensteuer base, and employee social insurance uses that year's ceilings and rates (KV Zusatzbeitrag defaults to the year's average). Earlier years are rejected - use de-gross-to-net with self-supplied figures instead.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"age": {
"description": "Optional. Age in years - under 23 skips the childless care surcharge.",
"type": "number"
},
"bundesland": {
"description": "Optional. State code (BW, BY, BE, ... SN, TH). Drives the Saxony care-insurance split and the pre-2025 East pension ceiling.",
"type": "string"
},
"children": {
"description": "Kinderfreibetrag counter (ZKF), halves allowed (default 0). Also drives the care-insurance child discounts.",
"type": "number"
},
"childrenUnder25": {
"description": "Optional. Children under 25 for the care-insurance discounts, when it differs from `children`.",
"type": "number"
},
"churchTaxPct": {
"description": "Church tax rate: 8, 9, or 0 for none (default 0).",
"type": "number"
},
"faktor": {
"description": "Optional. Tax-class-4 Faktorverfahren factor, default 1.0 (no factor). Only the small minority of married IV/IV couples who applied for it have one; it is assigned by the Finanzamt and printed on the payslip / ELStAM (e.g. 0.921, always <= 1). Leave unset unless the payslip shows a Faktor.",
"type": "number"
},
"grossAnnual": {
"description": "Annual gross salary (Brutto) in EUR.",
"type": "number"
},
"kvZusatzPct": {
"description": "Optional. The Krankenkasse's own Zusatzbeitrag in percent — pass the actual rate for exact results (rates change yearly, e.g. TK 2025: 2.45, 2026: 2.69). Defaults to the year's official average, which is only right for generic estimates.",
"type": "number"
},
"privateHealth": {
"additionalProperties": false,
"properties": {
"premiumAnnual": {
"description": "Annual private health+care premium in EUR.",
"type": "number"
}
},
"required": [
"premiumAnnual"
],
"type": "object"
},
"taxClass": {
"description": "Steuerklasse 1-6 (default 1).",
"type": "number"
},
"year": {
"description": "Tax year: 2023, 2024, 2025 or 2026.",
"type": "number"
}
},
"required": [
"year",
"grossAnnual"
],
"type": "object"
},
"name": "de-net-salary",
"outputSchema": {
"properties": {
"assumptions": {
"description": "Inputs as applied (tax class, Zusatzbeitrag, PAP basis, ...).",
"type": "object"
},
"churchTax": {
"description": "Kirchensteuer.",
"type": "number"
},
"contributions": {
"description": "{ pension, unemployment, health, care, total, rates, ceilingsApplied }.",
"type": "object"
},
"gross": {
"description": "{ annual, monthly }.",
"type": "object"
},
"incomeTax": {
"description": "Lohnsteuer (annual).",
"type": "number"
},
"net": {
"description": "{ annual, monthly }.",
"type": "object"
},
"soli": {
"description": "Solidaritätszuschlag.",
"type": "number"
},
"totalDeductions": {
"description": "Taxes + contributions.",
"type": "number"
},
"totalTax": {
"description": "All taxes.",
"type": "number"
},
"year": {
"description": "Tax year.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "German pension points (Entgeltpunkte, paragraph 63 SGB VI) for 2023-2026: points earned from an annual gross via the year's Durchschnittsentgelt (capped at the contribution ceiling), the aktueller Rentenwert for both halves of the year, and optionally the gross monthly state pension for a total point count.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"bundesland": {
"description": "Optional. State code - East states use the East ceiling before 2025.",
"type": "string"
},
"grossAnnual": {
"description": "Annual insured gross salary in EUR.",
"type": "number"
},
"totalPoints": {
"description": "Optional. Accumulated points, to project the gross monthly pension at today's Rentenwert.",
"type": "number"
},
"year": {
"description": "Year: 2023, 2024, 2025 or 2026.",
"type": "number"
}
},
"required": [
"year",
"grossAnnual"
],
"type": "object"
},
"name": "de-rentenpunkte",
"outputSchema": {
"properties": {
"ceilingApplied": {
"description": "True if capped.",
"type": "boolean"
},
"durchschnittsentgelt": {
"description": "Average earnings divisor.",
"type": "number"
},
"grossAnnual": {
"description": "Gross.",
"type": "number"
},
"insuredGross": {
"description": "Gross after the ceiling.",
"type": "number"
},
"maxPointsThisYear": {
"description": "Ceiling / average.",
"type": "number"
},
"monthlyPensionPerPoint": {
"description": "Current EUR per point.",
"type": "number"
},
"points": {
"description": "Points earned this year.",
"type": "number"
},
"projection": {
"description": "{ totalPoints, monthlyPension, note } when totalPoints given.",
"type": "object"
},
"rentenwert": {
"description": "{ janToJun, fromJuly } EUR per point per month.",
"type": "object"
},
"year": {
"description": "Year.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Multi-debt payoff plan under a fixed monthly budget. method 'avalanche' (highest rate first) minimizes interest; 'snowball' (smallest balance first) clears accounts soonest. Returns months, total interest, and payoff order; flags insolvent budgets.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"debts": {
"description": "The debts to pay off.",
"items": {
"properties": {
"balance": {
"description": "Current balance.",
"type": "number"
},
"minPayment": {
"description": "Minimum monthly payment.",
"type": "number"
},
"name": {
"description": "Optional label.",
"type": "string"
},
"rate": {
"description": "Annual interest rate in percent.",
"type": "number"
}
},
"required": [
"balance",
"rate",
"minPayment"
],
"type": "object"
},
"type": "array"
},
"method": {
"description": "Payoff strategy (default avalanche).",
"enum": [
"avalanche",
"snowball"
],
"type": "string"
},
"monthlyBudget": {
"description": "Total amount available across all debts each month.",
"type": "number"
}
},
"required": [
"debts",
"monthlyBudget"
],
"type": "object"
},
"name": "debt-payoff",
"outputSchema": {
"properties": {
"insolvent": {
"description": "True if the budget can't keep up.",
"type": "boolean"
},
"months": {
"description": "Months to debt-free (null if insolvent).",
"type": "number"
},
"payoffOrder": {
"description": "Debt names in payoff order.",
"type": "array"
},
"totalInterest": {
"description": "Total interest (null if insolvent).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Declining-balance depreciation: a fixed percent of the reducing book value, for a given year. Returns that year's depreciation and the remaining book value.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"ratePct": {
"description": "Annual depreciation rate in percent.",
"type": "number"
},
"value": {
"description": "Initial cost.",
"type": "number"
},
"year": {
"description": "Year (1-based).",
"type": "number"
}
},
"required": [
"value",
"ratePct",
"year"
],
"type": "object"
},
"name": "declining-balance-depreciation",
"outputSchema": {
"properties": {
"bookValue": {
"description": "Book value at year end.",
"type": "number"
},
"depreciation": {
"description": "Depreciation this year.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Value after compounding down (or up) at a yearly percentage rate over a number of years. This is the method the app uses for long-term assets.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"annualRatePct": {
"description": "Annual rate in percent.",
"type": "number"
},
"up": {
"description": "false depreciates, true appreciates.",
"type": "boolean"
},
"value": {
"description": "Starting value.",
"type": "number"
},
"years": {
"description": "Number of years.",
"type": "number"
}
},
"required": [
"value",
"annualRatePct",
"years"
],
"type": "object"
},
"name": "depreciate",
"outputSchema": {
"properties": {
"value": {
"description": "Result value.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "A single percentage discount: the amount off and the final price.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"discountPct": {
"description": "Discount in percent.",
"type": "number"
},
"price": {
"description": "Original price.",
"type": "number"
}
},
"required": [
"price",
"discountPct"
],
"type": "object"
},
"name": "discount",
"outputSchema": {
"properties": {
"discount": {
"description": "Amount off.",
"type": "number"
},
"finalPrice": {
"description": "Final price.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Discounted payback period: like payback-period but each cashflow is discounted at the per-period rate.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"cashflows": {
"description": "Inflow each period.",
"items": {
"type": "number"
},
"type": "array"
},
"initialCost": {
"description": "Upfront cost.",
"type": "number"
},
"ratePct": {
"description": "Discount rate per period in percent.",
"type": "number"
}
},
"required": [
"initialCost",
"cashflows",
"ratePct"
],
"type": "object"
},
"name": "discounted-payback",
"outputSchema": {
"properties": {
"years": {
"description": "Discounted payback in periods (null if never).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Dollar-cost averaging: buying a fixed amount each period at the given prices. Returns units accumulated, total invested, average cost, and final value at the last price.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"periodicInvestment": {
"description": "Fixed amount invested each period.",
"type": "number"
},
"prices": {
"description": "Price at each purchase period.",
"items": {
"type": "number"
},
"type": "array"
}
},
"required": [
"prices",
"periodicInvestment"
],
"type": "object"
},
"name": "dollar-cost-averaging",
"outputSchema": {
"properties": {
"avgCost": {
"description": "Average cost per unit (null if none).",
"type": "number"
},
"finalValue": {
"description": "Value at the last price.",
"type": "number"
},
"invested": {
"description": "Total invested.",
"type": "number"
},
"units": {
"description": "Units accumulated.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Double-declining-balance depreciation: 2/usefulYears of the book value each year, not falling below salvage.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"salvage": {
"description": "Salvage value (default 0).",
"type": "number"
},
"usefulYears": {
"description": "Useful life in years.",
"type": "number"
},
"value": {
"description": "Initial cost.",
"type": "number"
},
"year": {
"description": "Year (1-based).",
"type": "number"
}
},
"required": [
"value",
"usefulYears",
"year"
],
"type": "object"
},
"name": "double-declining-depreciation",
"outputSchema": {
"properties": {
"bookValue": {
"description": "Book value at year end.",
"type": "number"
},
"depreciation": {
"description": "Depreciation this year.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Debt service coverage ratio: net operating income divided by annual debt service.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"annualDebtService": {
"description": "Annual debt service.",
"type": "number"
},
"noi": {
"description": "Net operating income.",
"type": "number"
}
},
"required": [
"noi",
"annualDebtService"
],
"type": "object"
},
"name": "dscr",
"outputSchema": {
"properties": {
"dscr": {
"description": "Debt service coverage ratio (null if debt<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Debt-to-income ratio, percent (monthly debt / gross monthly income).",
"inputSchema": {
"additionalProperties": false,
"properties": {
"grossMonthlyIncome": {
"description": "Gross monthly income.",
"type": "number"
},
"monthlyDebt": {
"description": "Total monthly debt payments.",
"type": "number"
}
},
"required": [
"monthlyDebt",
"grossMonthlyIncome"
],
"type": "object"
},
"name": "dti",
"outputSchema": {
"properties": {
"dtiPct": {
"description": "Debt-to-income, percent (null if income<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Convert a nominal annual rate to the effective annual rate (APY) for a compounding frequency, or with toNominal recover the nominal rate from an APY.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"periodsPerYear": {
"description": "Compounding periods per year (12 monthly, 365 daily).",
"type": "number"
},
"ratePct": {
"description": "The rate in percent (nominal, or effective when toNominal is true).",
"type": "number"
},
"toNominal": {
"description": "false (default) returns the effective rate; true returns the nominal rate.",
"type": "boolean"
}
},
"required": [
"ratePct",
"periodsPerYear"
],
"type": "object"
},
"name": "effective-rate",
"outputSchema": {
"properties": {
"effectiveRatePct": {
"description": "Effective annual rate (APY), percent.",
"type": "number"
},
"nominalRatePct": {
"description": "Nominal rate, percent (when toNominal).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Months of runway: liquid savings divided by monthly expenses.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"liquidSavings": {
"description": "Cash and liquid savings on hand.",
"type": "number"
},
"monthlyExpenses": {
"description": "Total monthly expenses.",
"type": "number"
}
},
"required": [
"liquidSavings",
"monthlyExpenses"
],
"type": "object"
},
"name": "emergency-fund",
"outputSchema": {
"properties": {
"months": {
"description": "Months of runway (null if expenses<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Effect of an annual fee: the compounded balance at the gross rate vs net of the fee, and the amount lost to fees.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"feePct": {
"description": "Annual fee in percent.",
"type": "number"
},
"grossAnnualPct": {
"description": "Gross annual return in percent.",
"type": "number"
},
"principal": {
"description": "Starting amount.",
"type": "number"
},
"years": {
"description": "Number of years.",
"type": "number"
}
},
"required": [
"principal",
"grossAnnualPct",
"feePct",
"years"
],
"type": "object"
},
"name": "fee-drag",
"outputSchema": {
"properties": {
"gross": {
"description": "Gross balance.",
"type": "number"
},
"lostToFees": {
"description": "Amount lost to fees.",
"type": "number"
},
"net": {
"description": "Net of fees.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "FIRE target nest egg from annual spend and a safe withdrawal rate (default 4%), plus the gap from today and the years to reach it given optional savings and growth. No advice.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"annualContribution": {
"description": "Optional. Amount saved per year (default 0).",
"type": "number"
},
"annualRatePct": {
"description": "Optional. Annual portfolio growth in percent (default 0).",
"type": "number"
},
"annualSpend": {
"description": "Yearly spending the nest egg must cover.",
"type": "number"
},
"currentNestEgg": {
"description": "Optional. Amount already saved (default 0).",
"type": "number"
},
"withdrawalRatePct": {
"description": "Safe withdrawal rate in percent (default 4 = the 4% rule).",
"type": "number"
}
},
"required": [
"annualSpend"
],
"type": "object"
},
"name": "fire-number",
"outputSchema": {
"properties": {
"gap": {
"description": "Gap from today.",
"type": "number"
},
"target": {
"description": "Target nest egg.",
"type": "number"
},
"yearsToFI": {
"description": "Years to FI (null if unreachable).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Future value of a single lump sum compounded annually.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"annualRatePct": {
"description": "Annual growth rate in percent.",
"type": "number"
},
"principal": {
"description": "Starting amount.",
"type": "number"
},
"years": {
"description": "Number of years.",
"type": "number"
}
},
"required": [
"principal",
"annualRatePct",
"years"
],
"type": "object"
},
"name": "future-value",
"outputSchema": {
"properties": {
"value": {
"description": "Result value.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Convert an amount using a rate supplied by the caller (units of target currency per unit of source). No rate is ever looked up.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"amount": {
"description": "Amount to convert.",
"type": "number"
},
"rate": {
"description": "Rate: target units per source unit.",
"type": "number"
}
},
"required": [
"amount",
"rate"
],
"type": "object"
},
"name": "fx-convert",
"outputSchema": {
"properties": {
"value": {
"description": "Result value.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Gross rent multiplier: price divided by gross annual rent.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"grossAnnualRent": {
"description": "Gross annual rent.",
"type": "number"
},
"price": {
"description": "Purchase price.",
"type": "number"
}
},
"required": [
"price",
"grossAnnualRent"
],
"type": "object"
},
"name": "gross-rent-multiplier",
"outputSchema": {
"properties": {
"grm": {
"description": "Gross rent multiplier (null if rent<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Holding-period return: (income + capital gain) / starting value, in percent.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"beginValue": {
"description": "Starting value.",
"type": "number"
},
"endValue": {
"description": "Ending value.",
"type": "number"
},
"income": {
"description": "Income received over the period.",
"type": "number"
}
},
"required": [
"income",
"endValue",
"beginValue"
],
"type": "object"
},
"name": "holding-period-return",
"outputSchema": {
"properties": {
"hprPct": {
"description": "Holding-period return, percent (null if begin=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Annualize an hourly rate (and the monthly equivalent).",
"inputSchema": {
"additionalProperties": false,
"properties": {
"hourlyRate": {
"description": "Hourly rate.",
"type": "number"
},
"hoursPerWeek": {
"description": "Hours per week (default 40).",
"type": "number"
},
"weeksPerYear": {
"description": "Weeks per year (default 52).",
"type": "number"
}
},
"required": [
"hourlyRate"
],
"type": "object"
},
"name": "hourly-to-salary",
"outputSchema": {
"properties": {
"annual": {
"description": "Annual salary.",
"type": "number"
},
"monthly": {
"description": "Monthly equivalent.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Convert a nominal amount to today's purchasing power (real), or with toNominal inflate a real amount forward, at a given annual inflation rate.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"amount": {
"description": "Amount to adjust.",
"type": "number"
},
"inflationRatePct": {
"description": "Annual inflation rate in percent.",
"type": "number"
},
"toNominal": {
"description": "false (default) deflates nominal to real; true inflates real to nominal.",
"type": "boolean"
},
"years": {
"description": "Number of years.",
"type": "number"
}
},
"required": [
"amount",
"inflationRatePct",
"years"
],
"type": "object"
},
"name": "inflation-adjust",
"outputSchema": {
"properties": {
"value": {
"description": "Result value.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Interest-only monthly payment on a balance.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"amount": {
"description": "Outstanding balance.",
"type": "number"
},
"ratePct": {
"description": "Annual rate in percent.",
"type": "number"
}
},
"required": [
"amount",
"ratePct"
],
"type": "object"
},
"name": "interest-only-payment",
"outputSchema": {
"properties": {
"payment": {
"description": "Monthly interest payment.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Split an option premium into intrinsic value (in-the-money amount) and time value.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"premium": {
"description": "Option premium.",
"type": "number"
},
"spot": {
"description": "Underlying price.",
"type": "number"
},
"strike": {
"description": "Strike price.",
"type": "number"
},
"type": {
"description": "Option type (default call).",
"enum": [
"call",
"put"
],
"type": "string"
}
},
"required": [
"spot",
"strike",
"premium"
],
"type": "object"
},
"name": "intrinsic-time-value",
"outputSchema": {
"properties": {
"intrinsic": {
"description": "Intrinsic value.",
"type": "number"
},
"timeValue": {
"description": "Time value.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Internal rate of return: the per-period rate that zeroes the NPV of a cashflow series. Returns a percent, or null when the series never crosses zero.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"cashflows": {
"description": "Cashflows by period, starting at period 0. Outflows are negative.",
"items": {
"type": "number"
},
"type": "array"
}
},
"required": [
"cashflows"
],
"type": "object"
},
"name": "irr",
"outputSchema": {
"properties": {
"irrPct": {
"description": "Internal rate of return, percent (null if none).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Effective APR including upfront fees: the note-rate payment priced against the net proceeds (amount - fees). Annual percent.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"amount": {
"description": "Loan amount.",
"type": "number"
},
"fees": {
"description": "Optional. Upfront fees / points in currency (default 0).",
"type": "number"
},
"ratePct": {
"description": "Note (nominal) annual rate in percent.",
"type": "number"
},
"termMonths": {
"description": "Term in months.",
"type": "number"
}
},
"required": [
"amount",
"ratePct",
"termMonths"
],
"type": "object"
},
"name": "loan-apr",
"outputSchema": {
"properties": {
"aprPct": {
"description": "Effective APR, percent (null if degenerate).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Time and interest saved by paying a fixed extra amount every month on a loan, versus the baseline schedule.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"amount": {
"description": "Loan principal.",
"type": "number"
},
"extra": {
"description": "Optional dated extra principal payments.",
"items": {
"properties": {
"amount": {
"description": "Extra principal.",
"type": "number"
},
"date": {
"description": "ISO date.",
"type": "string"
}
},
"type": "object"
},
"type": "array"
},
"extraMonthly": {
"description": "Extra principal paid each month.",
"type": "number"
},
"fixedUntil": {
"description": "Optional. Rate is certain until this ISO date; beyond it the schedule is an estimate.",
"type": "string"
},
"mode": {
"description": "Fix the term (compute the payment) or fix the payment (compute the term).",
"enum": [
"term",
"payment"
],
"type": "string"
},
"payment": {
"description": "Monthly payment, used when mode is 'payment'.",
"type": "number"
},
"rate": {
"description": "Annual interest rate in percent (6 = 6%).",
"type": "number"
},
"startDate": {
"description": "First payment month as an ISO date (YYYY-MM-DD).",
"type": "string"
},
"termYears": {
"description": "Term in years, used when mode is 'term'.",
"type": "number"
}
},
"required": [
"amount",
"rate",
"mode",
"startDate",
"extraMonthly"
],
"type": "object"
},
"name": "loan-payoff",
"outputSchema": {
"properties": {
"accelerated": {
"description": "Accelerated { months, totalInterest, payoffDate }.",
"type": "object"
},
"baseline": {
"description": "Baseline { months, totalInterest, payoffDate }.",
"type": "object"
},
"interestSaved": {
"description": "Interest saved.",
"type": "number"
},
"monthsSaved": {
"description": "Months saved.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Loan-to-value ratio, percent (loan / property value).",
"inputSchema": {
"additionalProperties": false,
"properties": {
"loanAmount": {
"description": "Loan amount.",
"type": "number"
},
"propertyValue": {
"description": "Property value.",
"type": "number"
}
},
"required": [
"loanAmount",
"propertyValue"
],
"type": "object"
},
"name": "ltv",
"outputSchema": {
"properties": {
"ltvPct": {
"description": "Loan-to-value, percent (null if value<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Convert between margin and markup. Supply any one of cost/price plus one of marginPct/markupPct (or both cost and price); returns cost, price, profit, marginPct, and markupPct.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"cost": {
"description": "Unit cost.",
"type": "number"
},
"marginPct": {
"description": "Profit as a percent of price.",
"type": "number"
},
"markupPct": {
"description": "Profit as a percent of cost.",
"type": "number"
},
"price": {
"description": "Selling price.",
"type": "number"
}
},
"required": [],
"type": "object"
},
"name": "margin-markup",
"outputSchema": {
"properties": {
"cost": {
"description": "Cost.",
"type": "number"
},
"marginPct": {
"description": "Margin, percent.",
"type": "number"
},
"markupPct": {
"description": "Markup, percent.",
"type": "number"
},
"price": {
"description": "Price.",
"type": "number"
},
"profit": {
"description": "Profit.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Maximum drawdown of a value series: the largest peak-to-trough decline, as a positive percent.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"series": {
"description": "Sequence of values (e.g. portfolio levels).",
"items": {
"type": "number"
},
"type": "array"
}
},
"required": [
"series"
],
"type": "object"
},
"name": "max-drawdown",
"outputSchema": {
"properties": {
"maxDrawdownPct": {
"description": "Largest peak-to-trough decline, percent.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Modified internal rate of return: negatives financed at financeRate, positives reinvested at reinvestRate. Percents in and out.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"cashflows": {
"description": "Cashflows by period (index 0 today; outflows negative).",
"items": {
"type": "number"
},
"type": "array"
},
"financeRatePct": {
"description": "Finance rate in percent.",
"type": "number"
},
"reinvestRatePct": {
"description": "Reinvestment rate in percent.",
"type": "number"
}
},
"required": [
"cashflows",
"financeRatePct",
"reinvestRatePct"
],
"type": "object"
},
"name": "mirr",
"outputSchema": {
"properties": {
"mirrPct": {
"description": "Modified IRR, percent (null if degenerate).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Maximum loan and home price the income supports: the DTI cap on gross monthly income (less existing debts) sets the payment, whose present value at the rate and term is the loan.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"annualIncome": {
"description": "Gross annual income.",
"type": "number"
},
"downPayment": {
"description": "Optional. Cash down payment, added to the loan for the home price (default 0).",
"type": "number"
},
"dtiPct": {
"description": "Max share of gross monthly income for the payment, in percent (e.g. 36).",
"type": "number"
},
"monthlyDebts": {
"description": "Optional. Existing monthly debt payments (default 0).",
"type": "number"
},
"rate": {
"description": "Annual interest rate in percent.",
"type": "number"
},
"termYears": {
"description": "Loan term in years.",
"type": "number"
}
},
"required": [
"annualIncome",
"dtiPct",
"rate",
"termYears"
],
"type": "object"
},
"name": "mortgage-affordability",
"outputSchema": {
"properties": {
"maxHomePrice": {
"description": "Max home price.",
"type": "number"
},
"maxLoan": {
"description": "Max loan.",
"type": "number"
},
"maxMonthlyPayment": {
"description": "Max payment.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Net worth: assets minus liabilities.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"assets": {
"description": "Total assets.",
"type": "number"
},
"liabilities": {
"description": "Total liabilities.",
"type": "number"
}
},
"required": [
"assets",
"liabilities"
],
"type": "object"
},
"name": "net-worth",
"outputSchema": {
"properties": {
"netWorth": {
"description": "Assets minus liabilities.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Net operating income: gross rental income less vacancy and operating expenses.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"grossRentalIncome": {
"description": "Gross annual rental income.",
"type": "number"
},
"operatingExpenses": {
"description": "Annual operating expenses.",
"type": "number"
},
"vacancyPct": {
"description": "Vacancy rate in percent.",
"type": "number"
}
},
"required": [
"grossRentalIncome",
"vacancyPct",
"operatingExpenses"
],
"type": "object"
},
"name": "noi",
"outputSchema": {
"properties": {
"noi": {
"description": "Net operating income.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Net present value of a cashflow series (index 0 is today; outflows negative) discounted at a per-period rate.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"cashflows": {
"description": "Cashflows by period, starting at period 0. Outflows are negative.",
"items": {
"type": "number"
},
"type": "array"
},
"discountRatePct": {
"description": "Discount rate per period in percent.",
"type": "number"
}
},
"required": [
"cashflows",
"discountRatePct"
],
"type": "object"
},
"name": "npv",
"outputSchema": {
"properties": {
"npv": {
"description": "Net present value.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Break-even underlying price at expiry: strike + premium for a call, strike - premium for a put.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"premium": {
"description": "Option premium paid.",
"type": "number"
},
"strike": {
"description": "Strike price.",
"type": "number"
},
"type": {
"description": "Option type (default call).",
"enum": [
"call",
"put"
],
"type": "string"
}
},
"required": [
"strike",
"premium"
],
"type": "object"
},
"name": "option-breakeven",
"outputSchema": {
"properties": {
"breakeven": {
"description": "Break-even underlying price.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Black-Scholes greeks for a European option: delta, gamma, vega (per 1% vol), theta (per day), rho (per 1% rate).",
"inputSchema": {
"additionalProperties": false,
"properties": {
"dividendYieldPct": {
"description": "Continuous dividend yield in percent (default 0).",
"type": "number"
},
"riskFreePct": {
"description": "Risk-free rate in percent.",
"type": "number"
},
"spot": {
"description": "Current underlying price.",
"type": "number"
},
"strike": {
"description": "Strike price.",
"type": "number"
},
"type": {
"description": "Option type (default call).",
"enum": [
"call",
"put"
],
"type": "string"
},
"volatilityPct": {
"description": "Annualized volatility in percent.",
"type": "number"
},
"years": {
"description": "Time to expiry in years.",
"type": "number"
}
},
"required": [
"spot",
"strike",
"years",
"volatilityPct",
"riskFreePct"
],
"type": "object"
},
"name": "option-greeks",
"outputSchema": {
"properties": {
"delta": {
"description": "Delta.",
"type": "number"
},
"gamma": {
"description": "Gamma.",
"type": "number"
},
"rho": {
"description": "Rho per 1% rate.",
"type": "number"
},
"theta": {
"description": "Theta per day.",
"type": "number"
},
"vega": {
"description": "Vega per 1% vol.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Simple payback period: periods until cumulative cashflows recover the initial cost, interpolated within the crossing period. Null if never.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"cashflows": {
"description": "Inflow each period.",
"items": {
"type": "number"
},
"type": "array"
},
"initialCost": {
"description": "Upfront cost.",
"type": "number"
}
},
"required": [
"initialCost",
"cashflows"
],
"type": "object"
},
"name": "payback-period",
"outputSchema": {
"properties": {
"years": {
"description": "Payback in periods (null if never).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Percentage change from one value to another. Null when the starting value is zero.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"from": {
"description": "Starting value.",
"type": "number"
},
"to": {
"description": "Ending value.",
"type": "number"
}
},
"required": [
"from",
"to"
],
"type": "object"
},
"name": "percentage-change",
"outputSchema": {
"properties": {
"changePct": {
"description": "Percentage change (null if from=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Present value of a level or growing perpetuity: payment / (rate - growth). Null when growth is not below the rate.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"growthPct": {
"description": "Optional. Payment growth rate in percent (default 0).",
"type": "number"
},
"payment": {
"description": "Periodic payment.",
"type": "number"
},
"ratePct": {
"description": "Discount rate in percent.",
"type": "number"
}
},
"required": [
"payment",
"ratePct"
],
"type": "object"
},
"name": "perpetuity",
"outputSchema": {
"properties": {
"pv": {
"description": "Present value (null if growth>=rate).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Mortgage points break-even: the upfront cost to buy down the rate, the monthly payment saving, and the whole months to recoup it.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"loanAmount": {
"description": "Loan amount.",
"type": "number"
},
"pointsPct": {
"description": "Points paid, percent of the loan.",
"type": "number"
},
"ratePct": {
"description": "Base annual rate in percent.",
"type": "number"
},
"reducedRatePct": {
"description": "Reduced annual rate after buying points.",
"type": "number"
},
"termMonths": {
"description": "Term in months.",
"type": "number"
}
},
"required": [
"loanAmount",
"ratePct",
"termMonths",
"pointsPct",
"reducedRatePct"
],
"type": "object"
},
"name": "points-breakeven",
"outputSchema": {
"properties": {
"breakevenMonths": {
"description": "Whole months to recoup (null if no saving).",
"type": "number"
},
"cost": {
"description": "Upfront cost of points.",
"type": "number"
},
"monthlySaving": {
"description": "Monthly payment saving.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "How many years a balance lasts while withdrawing from it: the balance grows each year, then the withdrawal (optionally stepping up) is taken. Returns the depletion year, or sustainable=true when it outlasts 200 years.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"annualRatePct": {
"description": "Annual portfolio growth in percent.",
"type": "number"
},
"annualWithdrawal": {
"description": "Amount withdrawn in the first year.",
"type": "number"
},
"balance": {
"description": "Starting balance.",
"type": "number"
},
"withdrawalGrowthPct": {
"description": "Optional. Yearly step-up of the withdrawal in percent (default 0).",
"type": "number"
}
},
"required": [
"balance",
"annualWithdrawal",
"annualRatePct"
],
"type": "object"
},
"name": "portfolio-longevity",
"outputSchema": {
"properties": {
"sustainable": {
"description": "True if it outlasts 200 years.",
"type": "boolean"
},
"years": {
"description": "Depletion year (null if sustainable).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Present value of a single future amount discounted annually. The inverse of future-value.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"annualRatePct": {
"description": "Annual discount rate in percent.",
"type": "number"
},
"futureAmount": {
"description": "Amount received in the future.",
"type": "number"
},
"years": {
"description": "Number of years until the amount is received.",
"type": "number"
}
},
"required": [
"futureAmount",
"annualRatePct",
"years"
],
"type": "object"
},
"name": "present-value",
"outputSchema": {
"properties": {
"pv": {
"description": "Present value.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Put-call parity: given one option price, returns both. Provide call or put, plus spot, strike, years, and the rate.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"call": {
"description": "Call price (provide call or put).",
"type": "number"
},
"dividendYieldPct": {
"description": "Continuous dividend yield in percent (default 0).",
"type": "number"
},
"put": {
"description": "Put price (provide call or put).",
"type": "number"
},
"riskFreePct": {
"description": "Risk-free rate in percent.",
"type": "number"
},
"spot": {
"description": "Underlying price.",
"type": "number"
},
"strike": {
"description": "Strike price.",
"type": "number"
},
"years": {
"description": "Time to expiry in years.",
"type": "number"
}
},
"required": [
"spot",
"strike",
"years",
"riskFreePct"
],
"type": "object"
},
"name": "put-call-parity",
"outputSchema": {
"properties": {
"call": {
"description": "Call price.",
"type": "number"
},
"put": {
"description": "Put price.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Quick (acid-test) ratio: (current assets - inventory) over current liabilities.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"currentAssets": {
"description": "Current assets.",
"type": "number"
},
"currentLiabilities": {
"description": "Current liabilities.",
"type": "number"
},
"inventory": {
"description": "Inventory.",
"type": "number"
}
},
"required": [
"currentAssets",
"inventory",
"currentLiabilities"
],
"type": "object"
},
"name": "quick-ratio",
"outputSchema": {
"properties": {
"quickRatio": {
"description": "Quick ratio (null if liabilities<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Real (inflation-adjusted) return from a nominal rate via the Fisher relation: (1+nominal)/(1+inflation) - 1.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"inflationRatePct": {
"description": "Annual inflation in percent.",
"type": "number"
},
"nominalRatePct": {
"description": "Nominal annual rate in percent.",
"type": "number"
}
},
"required": [
"nominalRatePct",
"inflationRatePct"
],
"type": "object"
},
"name": "real-return",
"outputSchema": {
"properties": {
"realPct": {
"description": "Real return, percent.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Refinance break-even: monthly saving, whole months to recoup closing costs, and (if remainingMonths given) the net saving over the remaining term.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"closingCosts": {
"description": "Upfront cost to refinance.",
"type": "number"
},
"currentPayment": {
"description": "Current monthly payment.",
"type": "number"
},
"newPayment": {
"description": "New monthly payment after refinancing.",
"type": "number"
},
"remainingMonths": {
"description": "Optional. Months left on the loan, for the lifetime saving.",
"type": "number"
}
},
"required": [
"closingCosts",
"currentPayment",
"newPayment"
],
"type": "object"
},
"name": "refi-breakeven",
"outputSchema": {
"properties": {
"breakevenMonths": {
"description": "Whole months to recoup (null if no saving).",
"type": "number"
},
"lifetimeSaving": {
"description": "Net lifetime saving (null if no term).",
"type": "number"
},
"monthlySaving": {
"description": "Monthly saving.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Inverse of contributions: the fixed monthly amount needed to reach a target future value over a number of months, given an optional starting balance.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"annualRatePct": {
"description": "Annual growth rate in percent.",
"type": "number"
},
"months": {
"description": "Number of months.",
"type": "number"
},
"presentValue": {
"description": "Optional. Starting balance (default 0).",
"type": "number"
},
"targetValue": {
"description": "Future value goal.",
"type": "number"
}
},
"required": [
"targetValue",
"annualRatePct",
"months"
],
"type": "object"
},
"name": "required-contribution",
"outputSchema": {
"properties": {
"monthly": {
"description": "Monthly contribution needed (null if horizon<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Annual return needed to grow a starting value to a target over a number of years, optionally with a fixed annual contribution. With no contribution this equals CAGR. Returns a percent, or null when unreachable.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"annualContribution": {
"description": "Optional. Amount added each year (default 0).",
"type": "number"
},
"begin": {
"description": "Starting value.",
"type": "number"
},
"end": {
"description": "Target ending value.",
"type": "number"
},
"years": {
"description": "Number of years.",
"type": "number"
}
},
"required": [
"begin",
"end",
"years"
],
"type": "object"
},
"name": "required-return",
"outputSchema": {
"properties": {
"ratePct": {
"description": "Annual rate, percent (null if unreachable).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Mean, sample variance, and sample standard deviation (n-1) of a series of returns. Pass percents to get a percent stdev (volatility).",
"inputSchema": {
"additionalProperties": false,
"properties": {
"returns": {
"description": "The return series (e.g. yearly percents).",
"items": {
"type": "number"
},
"type": "array"
}
},
"required": [
"returns"
],
"type": "object"
},
"name": "return-stats",
"outputSchema": {
"properties": {
"count": {
"description": "Number of returns.",
"type": "number"
},
"mean": {
"description": "Mean return.",
"type": "number"
},
"stdev": {
"description": "Sample stdev / volatility (null if <2).",
"type": "number"
},
"variance": {
"description": "Sample variance (null if <2).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Return on assets, percent: net income over total assets.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"netIncome": {
"description": "Net income.",
"type": "number"
},
"totalAssets": {
"description": "Total assets.",
"type": "number"
}
},
"required": [
"netIncome",
"totalAssets"
],
"type": "object"
},
"name": "roa",
"outputSchema": {
"properties": {
"roaPct": {
"description": "Return on assets, percent (null if assets<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Return on equity, percent: net income over shareholders' equity.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"equity": {
"description": "Shareholders' equity.",
"type": "number"
},
"netIncome": {
"description": "Net income.",
"type": "number"
}
},
"required": [
"netIncome",
"equity"
],
"type": "object"
},
"name": "roe",
"outputSchema": {
"properties": {
"roePct": {
"description": "Return on equity, percent (null if equity<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Return on investment: total percent gain, plus the annualized rate when a holding period in years is given.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"finalValue": {
"description": "Ending value.",
"type": "number"
},
"initial": {
"description": "Amount invested.",
"type": "number"
},
"years": {
"description": "Optional. Holding period in years, for the annualized rate.",
"type": "number"
}
},
"required": [
"initial",
"finalValue"
],
"type": "object"
},
"name": "roi",
"outputSchema": {
"properties": {
"annualizedPct": {
"description": "Annualized return, percent (null if no years).",
"type": "number"
},
"roiPct": {
"description": "Total return, percent.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Years to double: the rule-of-72 estimate (72/rate) and the exact figure (ln2 / ln(1+rate)).",
"inputSchema": {
"additionalProperties": false,
"properties": {
"ratePct": {
"description": "Growth rate in percent.",
"type": "number"
}
},
"required": [
"ratePct"
],
"type": "object"
},
"name": "rule-of-72",
"outputSchema": {
"properties": {
"exactYears": {
"description": "Exact doubling time.",
"type": "number"
},
"years72": {
"description": "72/rate estimate.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Hourly rate implied by an annual salary.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"annualSalary": {
"description": "Annual salary.",
"type": "number"
},
"hoursPerWeek": {
"description": "Hours per week (default 40).",
"type": "number"
},
"weeksPerYear": {
"description": "Weeks per year (default 52).",
"type": "number"
}
},
"required": [
"annualSalary"
],
"type": "object"
},
"name": "salary-to-hourly",
"outputSchema": {
"properties": {
"hourly": {
"description": "Hourly rate (null if hours<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Fraction of income saved (savings divided by income). Returns a decimal.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"income": {
"description": "Income.",
"type": "number"
},
"savings": {
"description": "Amount saved.",
"type": "number"
}
},
"required": [
"income",
"savings"
],
"type": "object"
},
"name": "savings-rate",
"outputSchema": {
"properties": {
"value": {
"description": "Result value.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Sharpe ratio: excess mean return per unit of volatility, (mean - riskFree) / stdev. Null when volatility is undefined or zero.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"returns": {
"description": "The return series (percents).",
"items": {
"type": "number"
},
"type": "array"
},
"riskFreePct": {
"description": "Risk-free rate in the same unit (default 0).",
"type": "number"
}
},
"required": [
"returns"
],
"type": "object"
},
"name": "sharpe-ratio",
"outputSchema": {
"properties": {
"meanPct": {
"description": "Mean return.",
"type": "number"
},
"sharpe": {
"description": "Sharpe ratio (null if no volatility).",
"type": "number"
},
"stdevPct": {
"description": "Volatility.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Straight-line depreciation: value falling evenly to a salvage value over a useful life.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"salvage": {
"description": "Salvage value.",
"type": "number"
},
"usefulYears": {
"description": "Useful life in years.",
"type": "number"
},
"value": {
"description": "Starting value.",
"type": "number"
},
"yearsElapsed": {
"description": "Years elapsed.",
"type": "number"
}
},
"required": [
"value",
"salvage",
"usefulYears",
"yearsElapsed"
],
"type": "object"
},
"name": "straight-line-depreciation",
"outputSchema": {
"properties": {
"value": {
"description": "Result value.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Stacked discounts applied in order: the final price and the effective single discount rate.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"discountsPct": {
"description": "Discounts in percent, applied in order.",
"items": {
"type": "number"
},
"type": "array"
},
"price": {
"description": "Original price.",
"type": "number"
}
},
"required": [
"price",
"discountsPct"
],
"type": "object"
},
"name": "successive-discounts",
"outputSchema": {
"properties": {
"effectivePct": {
"description": "Effective single discount, percent (null if price=0).",
"type": "number"
},
"finalPrice": {
"description": "Final price.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Sum-of-the-years'-digits depreciation: the depreciable base weighted toward the early years.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"salvage": {
"description": "Salvage value.",
"type": "number"
},
"usefulYears": {
"description": "Useful life in years.",
"type": "number"
},
"value": {
"description": "Initial cost.",
"type": "number"
},
"year": {
"description": "Year (1-based).",
"type": "number"
}
},
"required": [
"value",
"salvage",
"usefulYears",
"year"
],
"type": "object"
},
"name": "sum-of-years-digits",
"outputSchema": {
"properties": {
"bookValue": {
"description": "Book value at year end.",
"type": "number"
},
"depreciation": {
"description": "Depreciation this year.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Tax-equivalent yield: the taxable yield that matches a tax-free (e.g. muni) yield. Percents in and out.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"taxFreeYieldPct": {
"description": "Tax-free yield in percent.",
"type": "number"
},
"taxRatePct": {
"description": "Marginal tax rate in percent.",
"type": "number"
}
},
"required": [
"taxFreeYieldPct",
"taxRatePct"
],
"type": "object"
},
"name": "tax-equivalent-yield",
"outputSchema": {
"properties": {
"taxEquivalentPct": {
"description": "Tax-equivalent yield, percent (null if tax>=100%).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Progressive tax from caller-supplied brackets. No jurisdiction, year, or rates are baked in: pass the brackets yourself. Returns total tax, effective rate, and marginal rate.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"brackets": {
"description": "Ordered tax bands. The final band may omit upTo to run to infinity.",
"items": {
"properties": {
"ratePct": {
"description": "Marginal rate for this band in percent.",
"type": "number"
},
"upTo": {
"description": "Upper bound of this band (omit on the top band).",
"type": "number"
}
},
"required": [
"ratePct"
],
"type": "object"
},
"type": "array"
},
"income": {
"description": "Taxable income.",
"type": "number"
}
},
"required": [
"income",
"brackets"
],
"type": "object"
},
"name": "tax-from-brackets",
"outputSchema": {
"properties": {
"effectiveRatePct": {
"description": "Effective rate, percent.",
"type": "number"
},
"marginalRatePct": {
"description": "Marginal rate, percent.",
"type": "number"
},
"tax": {
"description": "Total tax.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Tip and split: the tip amount, the total, and the per-person share.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"billAmount": {
"description": "Bill amount.",
"type": "number"
},
"people": {
"description": "Number of people (default 1).",
"type": "number"
},
"tipPct": {
"description": "Tip in percent.",
"type": "number"
}
},
"required": [
"billAmount",
"tipPct"
],
"type": "object"
},
"name": "tip-split",
"outputSchema": {
"properties": {
"perPerson": {
"description": "Per-person share.",
"type": "number"
},
"tip": {
"description": "Tip amount.",
"type": "number"
},
"total": {
"description": "Total with tip.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Unit price: price divided by quantity (for comparing pack sizes). Null when quantity is zero.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"price": {
"description": "Price.",
"type": "number"
},
"quantity": {
"description": "Quantity / size.",
"type": "number"
}
},
"required": [
"price",
"quantity"
],
"type": "object"
},
"name": "unit-price",
"outputSchema": {
"properties": {
"unitPrice": {
"description": "Price per unit (null if quantity=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Units-of-production depreciation: the depreciable base spread over total expected units, charged by the units used this period.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"salvage": {
"description": "Salvage value.",
"type": "number"
},
"totalUnits": {
"description": "Total expected units over the life.",
"type": "number"
},
"unitsThisPeriod": {
"description": "Units produced this period.",
"type": "number"
},
"value": {
"description": "Initial cost.",
"type": "number"
}
},
"required": [
"value",
"salvage",
"totalUnits",
"unitsThisPeriod"
],
"type": "object"
},
"name": "units-of-production-depreciation",
"outputSchema": {
"properties": {
"depreciation": {
"description": "Depreciation this period (null if totalUnits<=0).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Value-added tax (MwSt/USt, sales tax) on a price. By default adds the tax to a net price; with inclusive=true treats the amount as gross and extracts the tax. The rate is always an input (19 or 7 for Germany, etc.).",
"inputSchema": {
"additionalProperties": false,
"properties": {
"amount": {
"description": "The price.",
"type": "number"
},
"inclusive": {
"description": "false (default): amount is net, add the tax. true: amount is gross, extract the tax.",
"type": "boolean"
},
"ratePct": {
"description": "VAT rate in percent (e.g. 19 or 7).",
"type": "number"
}
},
"required": [
"amount",
"ratePct"
],
"type": "object"
},
"name": "vat",
"outputSchema": {
"properties": {
"gross": {
"description": "Gross price.",
"type": "number"
},
"net": {
"description": "Net price.",
"type": "number"
},
"tax": {
"description": "Tax amount.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Weighted average cost of capital: equity and after-tax debt weighted by the capital structure. Percents in and out.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"costDebtPct": {
"description": "Cost of debt in percent.",
"type": "number"
},
"costEquityPct": {
"description": "Cost of equity in percent.",
"type": "number"
},
"debt": {
"description": "Market value of debt.",
"type": "number"
},
"equity": {
"description": "Market value of equity.",
"type": "number"
},
"taxRatePct": {
"description": "Tax rate in percent.",
"type": "number"
}
},
"required": [
"equity",
"debt",
"costEquityPct",
"costDebtPct",
"taxRatePct"
],
"type": "object"
},
"name": "wacc",
"outputSchema": {
"properties": {
"waccPct": {
"description": "WACC, percent (null if no capital).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Date-aware internal rate of return: the annual rate that zeroes the XNPV of irregular dated cashflows. Null if no rate fits.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"cashflows": {
"description": "Dated cashflows; the first date is the valuation date.",
"items": {
"properties": {
"amount": {
"description": "Cashflow amount (outflows negative).",
"type": "number"
},
"date": {
"description": "ISO date.",
"type": "string"
}
},
"required": [
"date",
"amount"
],
"type": "object"
},
"type": "array"
}
},
"required": [
"cashflows"
],
"type": "object"
},
"name": "xirr",
"outputSchema": {
"properties": {
"xirrPct": {
"description": "Date-aware IRR, percent (null if none).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Date-aware net present value: each amount discounted by its fractional years (act/365) from the first cashflow's date. Annual rate in percent.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"annualRatePct": {
"description": "Annual discount rate in percent.",
"type": "number"
},
"cashflows": {
"description": "Dated cashflows; the first date is the valuation date.",
"items": {
"properties": {
"amount": {
"description": "Cashflow amount (outflows negative).",
"type": "number"
},
"date": {
"description": "ISO date.",
"type": "string"
}
},
"required": [
"date",
"amount"
],
"type": "object"
},
"type": "array"
}
},
"required": [
"cashflows",
"annualRatePct"
],
"type": "object"
},
"name": "xnpv",
"outputSchema": {
"properties": {
"npv": {
"description": "Date-aware net present value.",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Bond yield to maturity: the nominal annual yield that prices a bond at the given price, with periodic coupons and face returned at maturity. Solved numerically. Returns a percent, or null.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"couponRatePct": {
"description": "Annual coupon rate in percent of face.",
"type": "number"
},
"faceValue": {
"description": "Face (par) value repaid at maturity.",
"type": "number"
},
"periodsPerYear": {
"description": "Coupon periods per year (default 2 = semiannual).",
"type": "number"
},
"price": {
"description": "Current bond price.",
"type": "number"
},
"years": {
"description": "Years to maturity.",
"type": "number"
}
},
"required": [
"price",
"faceValue",
"couponRatePct",
"years"
],
"type": "object"
},
"name": "yield-to-maturity",
"outputSchema": {
"properties": {
"yieldPct": {
"description": "Nominal annual yield, percent (null if none).",
"type": "number"
}
},
"type": "object"
}
},
{
"description": "Price of a zero-coupon bond: face value discounted to today at the yield.",
"inputSchema": {
"additionalProperties": false,
"properties": {
"compoundingPerYear": {
"description": "Compounding periods per year (default 1).",
"type": "number"
},
"faceValue": {
"description": "Face value.",
"type": "number"
},
"years": {
"description": "Years to maturity.",
"type": "number"
},
"yieldPct": {
"description": "Annual yield in percent.",
"type": "number"
}
},
"required": [
"faceValue",
"years",
"yieldPct"
],
"type": "object"
},
"name": "zero-coupon-price",
"outputSchema": {
"properties": {
"price": {
"description": "Zero-coupon price.",
"type": "number"
}
},
"type": "object"
}
}
]
}Verify it yourself
curl -s https://api.teppi.xyz/v1/evidence/sha256:ecd6a67a330169dc577240b523f3e95d3b50845702f4c384e35aaa3bea626aa9 | sha256sum