com.cleveralpha.www/calculators
REMOTE · CLEVERALPHA-CALCULATORS.VERCEL.APP
9 deterministic IRS tax, RMD, Roth, Solo 401k, Form 1040, TALS, Estate & SBLOC calculators.
Available components
Last scanned (4 hours ago)
Scores higher than 57% of remote servers
Reachable. Last reached 5 Nov 2026.
Category Finance and Payments
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security80
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- The HSTS (Strict-Transport-Security) header is present. View diagnostics → Pass
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability58
- AI-judged instruction clarity (excellent).Pass
- Context-footprint check failed: tool/resource definitions use about 3217 tokens (~357/item across 9 items; 9 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management7
- Stability observed for 2 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 9 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 9 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 5 Nov 26 0
- Tool “calculate_rmd_and_tax_cliffs” rewrote its description, which is the text the model reads security
- Schema quality: 297 → 357 ▼ functional
- Server version: 1.0.0 → 1.1.0 functional
- “calculate_rmd_and_tax_cliffs” added an optional parameter “fedWithholdingPct” cosmetic
- “calculate_rmd_and_tax_cliffs” added an optional parameter “federalTaxPaidToDate” cosmetic
- “calculate_rmd_and_tax_cliffs” added an optional parameter “priorYearAgi” cosmetic
- “calculate_rmd_and_tax_cliffs” added an optional parameter “priorYearTax” cosmetic
- “calculate_rmd_and_tax_cliffs” added an optional parameter “stateWithholdingPct” cosmetic
- “calculate_rmd_and_tax_cliffs” reworded the description of “otherIncome” cosmetic
- “calculate_rmd_and_tax_cliffs” reworded the description of “spouseBirthYear” cosmetic
- “calculate_rmd_and_tax_cliffs” reworded the description of “ssBenefits” cosmetic
- Tool “calculate_rmd_and_tax_cliffs” changed its title: Calculate Required Minimum Distributions (RMD), Inherited IRA 10-Year Rule & Surviving Spouse Widow's Penalty → Calculate Lifetime Required Minimum Distribution (RMD), Tax Cliffs, Surviving Spouse Widow's Penalty & W-4R Withholding Plan cosmetic
- 4 Nov 26 0
- Stability: unverified → 0.03 ▲ functional
- 3 Nov 26 71
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 5 Nov 2026 · Probed https://cleveralpha-calculators.vercel.app/api/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=*.vercel.app | CN=WR1,O=Google Trust Services,C=US | 31 Oct 2026 | 29 Jan 2027 | RSA 2048 | SHA256-RSA | 9c5f0e6a35c955e113044c86848e4cd5 |
| SANs: *.vercel.app | ||||||
| CN=WR1,O=Google Trust Services,C=US (CA) | CN=GTS Root R1,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | RSA 2048 | SHA256-RSA | 7fd9e2c2d2048a0474b627a26d0868a7 |
| CN=GTS Root R1,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 19 Jun 2020 | 28 Jan 2028 | RSA 4096 | SHA256-RSA | 77bd0d6cdb36f91aea210fc4f058d30d |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of cleveralpha-calculators.vercel.app. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| app. | present | 23684 | 8 | Verified |
| vercel.app. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| strict-transport-security | max-age=63072000; includeSubDomains; preload |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://cleveralpha-calculators.vercel.app/api/mcp | Verified | 200 | |
| http (plaintext) | http://cleveralpha-calculators.vercel.app/api/mcp | HTTPS enforced | 308 | https://cleveralpha-calculators.vercel.app/api/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
analyze_concentrated_stock_tals Analyze Concentrated Stock Exit: Tax-Aware Long-Short (TALS) vs. Direct Indexing & Staged ETF Sale ~290
Use this tool whenever an investor or advisor asks how to diversify a concentrated low-basis stock position, evaluates a 130/30, 150/50, 200/100, or 300/200 Tax-Aware Long-Short (TALS) SMA (such as AQR, Cache, Brooklyn, or Neuberger Berman), wants to calculate TALS carrying costs (manager fee + custodian margin and short rebate spreads), or checks 2026 Charles Schwab and Fidelity TALS account minimums and restrictions.
| Name | Type | Req | Description |
|---|---|---|---|
| costBasis | number | yes | Original cost basis of the concentrated stock position in USD. |
| custodian | string | – | Custodian platform ('schwab', 'fidelity', or 'ibkr'). |
| extensionPct | number | – | TALS long/short extension ratio: 0.3 (130/30), 0.5 (150/50), 1.0 (200/100), or 2.0 (300/200). |
| horizonYears | integer | – | Comparison time horizon in years. |
| marginType | string | – | Margin account type ('portfolio' for Portfolio Margin or 'reg_t' for Reg T Margin). |
| stagedYears | integer | – | Number of tax years over which to stage a direct taxable sale. |
| stockValue | number | yes | Current market value of the concentrated stock position in USD. |
No output schema declared.
No examples provided.
analyze_estate_tax_and_stepup Analyze Estate Tax, Revocable Trust Step-Up in Basis (IRC Sec. 1014) vs. Lifetime Gifting (Sec. 1015) ~315
Use this tool whenever a user asks about federal or state estate taxes, the 2026 $15,000,000 Single / $30,000,000 Married OBBBA estate tax exemption, whether to gift appreciated stock/real estate during life (IRC Sec. 1015 carryover basis) vs. holding in a Revocable Living Trust until death for the IRC Sec. 1014 step-up in basis, Irrevocable Grantor Trusts / SLATs under IRS Revenue Ruling 2023-2 and Sec. 675(4)(C) swap powers, or state estate tax cliffs (NY, MA, WA, OR, IL, MD, MN, CT).
| Name | Type | Req | Description |
|---|---|---|---|
| appreciatedAssetValue | number | yes | Current market value of appreciated taxable assets (stocks, ETFs, real estate) in USD. |
| assetCostBasis | number | – | Original cost basis of the appreciated assets in USD. |
| filing | string | – | 'mfj' for Married Couple (with DSUE Portability) or 'single' for Single/Widowed. |
| horizonYears | integer | – | Projected years until estate transfer. |
| stateCode | string | – | State estate tax jurisdiction code. |
| totalEstateNow | number | yes | Total current net worth / gross estate in USD. |
| year | integer | – | Exemption year (2025 $13.99M, 2026 $15.0M OBBBA, or 2027 $15.45M Projected). |
No output schema declared.
No examples provided.
calculate_rmd_and_tax_cliffs Calculate Lifetime Required Minimum Distribution (RMD), Tax Cliffs, Surviving Spouse Widow's Penalty & W-4R Withholding Plan ~903
Use this tool whenever a user asks to calculate the account owner's own lifetime Required Minimum Distribution (RMD) for 2025, 2026, or 2027 (Uniform Lifetime Table III, or Joint Table II when the sole-beneficiary spouse is more than 10 years younger), the federal and state tax cost of that RMD including Social Security taxation, the $6,000 OBBBA senior deduction phase-out and Medicare IRMAA tiers, Qualified Charitable Distribution (QCD) offsets, a surviving-spouse treat-as-own vs. inherited comparison with the Widow's Penalty tax jump, and an optional Form W-4R withholding plan (federal/state withholding on the RMD, net cash, and the IRC Sec. 6654 / Pub 505 prior-year safe-harbor gap). This tool does NOT compute inherited (non-spouse beneficiary) RMD schedules or missed-RMD excise penalties; for those, direct the user to the interactive calculator's Inherited and Missed-RMD modes at the returned interactiveCalculatorUrl.
| Name | Type | Req | Description |
|---|---|---|---|
| balance | number | yes | Prior December 31 retirement account balance in USD (Form 5498 FMV). |
| fedWithholdingPct | number | – | OPTIONAL. Federal income tax withholding percentage to elect on Form W-4R line 2 for this RMD (0-100). Nonperiodic IRA distributions default to 10% if the payee makes no election. Supplying this (or… |
| federalTaxPaidToDate | number | – | OPTIONAL. Federal tax already paid for the current year in USD (paycheck/pension withholding plus Form 1040-ES estimates), not counting withholding on this RMD. |
| filing | string | – | Federal tax filing status (single, mfj, mfs, or hoh). |
| otherIncome | number | – | Estimated other ordinary taxable income in USD for the tax year, EXCLUDING this RMD and Social Security. For filing status mfj this must be the COMBINED income of both spouses (wages, pensions, inter… |
| ownerBirthYear | integer | yes | Account owner's 4-digit birth year (determines Applicable RMD Age: 70.5, 72, 73, or 75). |
| priorYearAgi | number | – | OPTIONAL. Prior-year adjusted gross income (Form 1040 line 11) in USD; determines whether the 100% or 110% prior-year safe-harbor percentage applies. |
| priorYearTax | number | – | OPTIONAL. Prior-year total federal tax (Form 1040 line 24) in USD. Unlocks the IRC Sec. 6654 / Pub 505 safe-harbor check: prepaying 100% of prior-year tax (110% if prior-year AGI exceeded $150,000; $… |
| qcdAmount | number | – | Qualified Charitable Distribution (QCD) amount in USD transferred directly from IRA to charity (IRC Sec. 408(d)(8)). |
| spouseBirthYear | integer | – | Spouse's 4-digit birth year. Triggers Joint Table II when the spouse is the sole primary beneficiary and more than 10 years younger; also used for the surviving-spouse comparison and (for mfj) the ho… |
| ssBenefits | number | – | Annual gross Social Security benefits in USD for the household (both spouses combined for mfj); enter 0 if not yet claiming. |
| stateRatePct | number | – | State income tax rate percentage (e.g. 9.3 for California, 0 for Texas/Florida). |
| stateWithholdingPct | number | – | OPTIONAL. State income tax withholding as a percentage of the distribution. California defaults to 10% of the federal amount (1% of the distribution at 10% federal) unless the payee elects otherwise… |
| year | integer | – | Distribution calendar year (2025, 2026, or 2027). |
No output schema declared.
No examples provided.
calculate_roth_conversion Calculate Roth Conversion Tax Cost, Backdoor Roth Pro-Rata & IRMAA / Bracket Cliff Ceilings ~264
Use this tool whenever a user asks how much to convert from a Traditional/Rollover IRA to a Roth IRA, how to avoid crossing the next federal tax bracket or Medicare IRMAA cliff, how the IRC Sec. 408(d)(2) Pro-Rata rule affects a Backdoor Roth IRA, or how to model a $72,000 Mega Backdoor Roth 401(k) conversion.
| Name | Type | Req | Description |
|---|---|---|---|
| age | integer | – | Current age of the taxpayer (triggers Medicare IRMAA lookback at 63+ and OBBBA Senior Deduction at 65+). |
| convertAmount | number | yes | Proposed dollar amount in USD to convert to a Roth IRA this year. |
| filing | string | – | Federal tax filing status (single, mfj, mfs, or hoh). |
| income | number | yes | Baseline household income (MAGI) in USD before the Roth conversion. |
| iraBasis | number | – | Existing non-deductible after-tax basis in Traditional IRAs reported on IRS Form 8606 in USD. |
| pretaxIra | number | – | Total pre-tax balance across all Traditional, Rollover, SEP, and SIMPLE IRAs in USD. |
| stateRatePct | number | – | State income tax rate percentage. |
No output schema declared.
No examples provided.
calculate_savers_credit_and_2027_match Calculate IRS Form 8880 Saver's Credit (2025-2026) & SECURE 2.0 50% Treasury Saver's Match (2027+) ~325
Use this tool whenever a user asks about the IRS Form 8880 Retirement Savings Contributions Credit (Saver's Credit under IRC Sec. 25B), the new 2027 SECURE 2.0 50% Federal Treasury Saver's Match direct deposit (IRC Sec. 6433), the Form 8880 Line 4 prior-distribution reduction rule, or how lowering AGI via pre-tax 401(k)/IRA deductions unlocks the credit/match.
| Name | Type | Req | Description |
|---|---|---|---|
| age | integer | – | Taxpayer age (must be 18+ to qualify). |
| filing | string | – | Federal tax filing status. |
| grossIncome | number | yes | Gross income in USD before pre-tax 401(k)/IRA deductions. |
| preTax401kOrIraDeduction | number | – | Pre-tax 401(k), Solo 401(k), SEP, Traditional IRA, or HSA deductions reducing AGI in USD. |
| spouseContribution | number | – | Spouse's annual IRA or 401(k) contribution in USD if Married Filing Jointly (first $2,000 counts). |
| testingPeriodDistributions | number | – | Retirement distributions taken during the Form 8880 Line 4 testing period in USD. |
| year | integer | – | Tax year (2025, 2026 for Form 8880, or 2027 for SECURE 2.0 50% Saver's Match). |
| yourContribution | number | yes | Taxpayer's annual IRA or 401(k) contribution in USD (first $2,000 counts). |
No output schema declared.
No examples provided.
compare_sbloc_borrow_vs_sell Compare Selling Appreciated Investments vs. Borrowing via SBLOC / Pledged Asset Line ~278
Use this tool whenever a user needs cash liquidity (for a real estate purchase bridge, tax bill, tuition, or business investment) and asks whether they should sell appreciated stocks/ETFs (paying capital gains tax gross-up) or borrow against their portfolio using a Securities-Backed Line of Credit (SBLOC), Schwab Pledged Asset Line (PAL), or margin loan. Computes the tax gross-up penalty, break-even borrowing interest rate, IRC Sec. 163(d) Form 4952 interest deduction, and LTV market-crash margin call buffer.
| Name | Type | Req | Description |
|---|---|---|---|
| interestDeductible | boolean | – | True if loan proceeds are traced to a taxable investment or business purpose eligible for IRC Sec. 163(d) Form 4952 deduction. |
| liquidityNeeded | number | yes | Net after-tax cash liquidity required in USD. |
| loanYears | integer | – | Number of years the bridge loan / SBLOC will remain outstanding. |
| marketReturn | number | – | Expected annual portfolio return percentage while invested. |
| portfolioCostBasis | number | – | Total original cost basis of the taxable portfolio in USD. |
| portfolioValue | number | yes | Total taxable brokerage portfolio market value in USD. |
| sblocRate | number | – | Annual SBLOC / Pledged Asset Line interest rate percentage (e.g. 6.25). |
No output schema declared.
No examples provided.
compare_solo_401k_vs_sep_ira Compare Solo 401(k) vs. SEP IRA Contribution Limits & Solve Optimal S-Corp W-2 Salary ~300
Use this tool whenever a self-employed business owner, freelancer, 1099 contractor, LLC, or S-Corporation owner asks to compare a Solo 401(k) against a SEP IRA, calculate maximum 2026 employee + employer contributions ($72,000 base / $80,000 age 50+ / $83,250 ages 60-63), solve for the lowest S-Corp W-2 salary that maxes out retirement contributions ($190,000 vs. $288,000), or evaluate Sec. 199A QBI deduction and Backdoor Roth Reverse Rollover effects.
| Name | Type | Req | Description |
|---|---|---|---|
| age | integer | – | Business owner's age (unlocks $8,000 catch-up at 50+ and $11,250 super catch-up at ages 60-63). |
| comp | number | yes | Annual S-Corp W-2 salary or Schedule C net business profit in USD. |
| entity | string | – | Business entity structure: 'scorp' (W-2 wages) or 'soleprop' (Schedule C net self-employment profit). |
| existingIraBalance | number | – | Existing pre-tax Traditional/SEP IRA balance in USD (for Backdoor Roth Reverse Rollover check). |
| filing | string | – | Federal tax filing status. |
| k1Dist | number | – | Additional S-Corp K-1 shareholder distribution in USD (for S-Corp QBI modeling). |
No output schema declared.
No examples provided.
get_irs_statutory_parameters Get 2025-2027 IRS Tax Brackets, Medicare IRMAA Tiers, 401(k)/IRA Limits & OBBBA Senior Deduction ~194
Use this tool whenever a user asks for official 2025, 2026, or projected 2027 IRS tax brackets, standard deduction amounts, the $6,000 OBBBA Sec. 70103 Senior Deduction phase-out, 401(k)/Solo 401(k)/SEP/IRA contribution and catch-up limits (including ages 60-63 SECURE 2.0 super catch-up), Medicare Part B and Part D IRMAA income brackets and surcharges, Qualified Charitable Distribution (QCD) caps, QLAC limits, RMD Uniform Lifetime Table III factors, or Form 8880 / 2027 Saver's Match thresholds.
| Name | Type | Req | Description |
|---|---|---|---|
| taxYear | integer | yes | Tax year to retrieve statutory IRS, CMS Medicare IRMAA, and SECURE 2.0 parameters for (2025 Official, 2026 Official, or 2027 Projected). |
No output schema declared.
No examples provided.
simulate_form_1040_and_bracket_room Simulate 2026 Federal Form 1040 Return (Lines 1a-38), Remaining Bracket Room & ACA / 0% LTCG Ceilings ~348
Use this tool whenever a user asks for a complete 2025, 2026, or 2027 Form 1040 federal tax return estimate, how much room they have left in their current marginal tax bracket, how much Long-Term Capital Gains they can harvest at 0% federal tax, whether they will breach the 2026 ACA 400% FPL health insurance subsidy cliff (Form 8962), or how Social Security taxation (Line 6b), the OBBBA Schedule 1-A Senior Deduction (Line 13a), and Form 8995 QBI (Line 13b) flow through Form 1040.
| Name | Type | Req | Description |
|---|---|---|---|
| filing | string | yes | Federal tax filing status (single, mfj, hoh, or mfs). |
| iraDistributions | number | – | Form 1040 Line 4b Taxable IRA, 401(k), or RMD distributions in USD. |
| netLtcg | number | – | Form 1040 Line 7a Net Long-Term Capital Gain in USD. |
| qualifiedDividends | number | – | Form 1040 Line 3a Qualified Dividends in USD. |
| rothConversions | number | – | Form 1040 Line 4b Taxable Roth conversions in USD. |
| seniors65Plus | integer | – | Number of taxpayers on the return age 65 or older (0, 1, or 2). |
| w2Wages | number | – | Form 1040 Line 1a W-2 wages in USD. |
| year | integer | – | Tax year to simulate (2025, 2026, or 2027). |
No output schema declared.
No examples provided.
How do I install the com.cleveralpha.www/calculators MCP server?
com.cleveralpha.www/calculators is a hosted endpoint at https://cleveralpha-calculators.vercel.app/api/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · cleveralpha-calculators.vercel.app
claude mcp add --transport http com-cleveralpha-www-calculators 'https://cleveralpha-calculators.vercel.app/api/mcp'
What is the com.cleveralpha.www/calculators MCP server?
com.cleveralpha.www/calculators is an MCP server listed in the public MCP registry as com.cleveralpha.www/calculators. 9 deterministic IRS tax, RMD, Roth, Solo 401k, Form 1040, TALS, Estate & SBLOC calculators. This page covers its hosted endpoint (https://cleveralpha-calculators.vercel.app/api/mcp).
Is the com.cleveralpha.www/calculators MCP server safe to use?
com.cleveralpha.www/calculators scores 71 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the com.cleveralpha.www/calculators MCP server expose?
com.cleveralpha.www/calculators exposes 9 tools: get_irs_statutory_parameters, calculate_rmd_and_tax_cliffs, calculate_roth_conversion, compare_solo_401k_vs_sep_ira, simulate_form_1040_and_bracket_room, and 4 more. Their descriptions and schemas cost roughly 3,217 tokens of context every time the server is loaded.
Does the com.cleveralpha.www/calculators MCP server require authentication?
No. We connected to com.cleveralpha.www/calculators without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the com.cleveralpha.www/calculators MCP server still maintained?
com.cleveralpha.www/calculators is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.