# com.cleveralpha.www/calculators (remote · cleveralpha-calculators.vercel.app)

9 deterministic IRS tax, RMD, Roth, Solo 401k, Form 1040, TALS, Estate & SBLOC calculators.

- Trust score: 71/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `cleveralpha-calculators.vercel.app`: 71/100 (this document), [markdown](https://verifymcp.io/servers/com-cleveralpha-www-calculators/api-mcp.md), [page](https://verifymcp.io/servers/com-cleveralpha-www-calculators/api-mcp)

## Channel facts

- Endpoint: `https://cleveralpha-calculators.vercel.app/api/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 80/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 58/100
  - AI-judged instruction clarity (excellent).
  - 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.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 7/100
  - Stability observed for 2 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 9 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 9 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### 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.

### Claude

```bash
claude mcp add --transport http com-cleveralpha-www-calculators 'https://cleveralpha-calculators.vercel.app/api/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "com-cleveralpha-www-calculators": {
      "url": "https://cleveralpha-calculators.vercel.app/api/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "com-cleveralpha-www-calculators": {
      "type": "http",
      "url": "https://cleveralpha-calculators.vercel.app/api/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.com-cleveralpha-www-calculators]
url = "https://cleveralpha-calculators.vercel.app/api/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-cleveralpha-www-calculators": {
      "type": "remote",
      "url": "https://cleveralpha-calculators.vercel.app/api/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-cleveralpha-www-calculators --url 'https://cleveralpha-calculators.vercel.app/api/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-cleveralpha-www-calculators:
    url: "https://cleveralpha-calculators.vercel.app/api/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "com-cleveralpha-www-calculators": {
      "Transport": "http",
      "Url": "https://cleveralpha-calculators.vercel.app/api/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-cleveralpha-www-calculators -t streamable-http -u 'https://cleveralpha-calculators.vercel.app/api/mcp'
```

### Other

```json
{
  "mcpServers": {
    "com-cleveralpha-www-calculators": {
      "type": "http",
      "url": "https://cleveralpha-calculators.vercel.app/api/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-05 (score 71, 0)

- [security] Tool “calculate_rmd_and_tax_cliffs” rewrote its description, which is the text the model reads
- [functional regression] Schema quality: 297 → 357
- [functional] Server version: 1.0.0 → 1.1.0
- [cosmetic] “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

### 2026-11-04 (score 71, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-03 (score 71)

First indexed and scored.

## MCP tools (9)

### `get_irs_statutory_parameters` (~194 tokens)

Get 2025-2027 IRS Tax Brackets, Medicare IRMAA Tiers, 401(k)/IRA Limits & OBBBA Senior Deduction

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.

Input parameters:

- `taxYear` (integer, required): Tax year to retrieve statutory IRS, CMS Medicare IRMAA, and SECURE 2.0 parameters for (2025 Official, 2026 Official, or 2027 Projected).

### `calculate_rmd_and_tax_cliffs` (~903 tokens)

Calculate Lifetime Required Minimum Distribution (RMD), Tax Cliffs, Surviving Spouse Widow's Penalty & W-4R Withholding Plan

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.

Input parameters:

- `balance` (number, required): 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, required): 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).

### `calculate_roth_conversion` (~264 tokens)

Calculate Roth Conversion Tax Cost, Backdoor Roth Pro-Rata & IRMAA / Bracket Cliff Ceilings

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.

Input parameters:

- `age` (integer): Current age of the taxpayer (triggers Medicare IRMAA lookback at 63+ and OBBBA Senior Deduction at 65+).
- `convertAmount` (number, required): 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, required): 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.

### `compare_solo_401k_vs_sep_ira` (~300 tokens)

Compare Solo 401(k) vs. SEP IRA Contribution Limits & Solve Optimal S-Corp W-2 Salary

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.

Input parameters:

- `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, required): 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).

### `simulate_form_1040_and_bracket_room` (~348 tokens)

Simulate 2026 Federal Form 1040 Return (Lines 1a-38), Remaining Bracket Room & ACA / 0% LTCG Ceilings

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.

Input parameters:

- `filing` (string, required): 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).

### `analyze_concentrated_stock_tals` (~290 tokens)

Analyze Concentrated Stock Exit: Tax-Aware Long-Short (TALS) vs. Direct Indexing & Staged ETF Sale

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.

Input parameters:

- `costBasis` (number, required): 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, required): Current market value of the concentrated stock position in USD.

### `calculate_savers_credit_and_2027_match` (~325 tokens)

Calculate IRS Form 8880 Saver's Credit (2025-2026) & SECURE 2.0 50% Treasury Saver's Match (2027+)

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.

Input parameters:

- `age` (integer): Taxpayer age (must be 18+ to qualify).
- `filing` (string): Federal tax filing status.
- `grossIncome` (number, required): 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, required): Taxpayer's annual IRA or 401(k) contribution in USD (first $2,000 counts).

### `analyze_estate_tax_and_stepup` (~315 tokens)

Analyze Estate Tax, Revocable Trust Step-Up in Basis (IRC Sec. 1014) vs. Lifetime Gifting (Sec. 1015)

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).

Input parameters:

- `appreciatedAssetValue` (number, required): 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, required): Total current net worth / gross estate in USD.
- `year` (integer): Exemption year (2025 $13.99M, 2026 $15.0M OBBBA, or 2027 $15.45M Projected).

### `compare_sbloc_borrow_vs_sell` (~278 tokens)

Compare Selling Appreciated Investments vs. Borrowing via SBLOC / Pledged Asset Line

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.

Input parameters:

- `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, required): 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, required): Total taxable brokerage portfolio market value in USD.
- `sblocRate` (number): Annual SBLOC / Pledged Asset Line interest rate percentage (e.g. 6.25).

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-cleveralpha-www-calculators/api-mcp#diagnostics

## Score history

- 2026-11-05: 71
- 2026-11-04: 71
- 2026-11-03: 71

## Common questions

### 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.

## Links

- Remote endpoint: https://cleveralpha-calculators.vercel.app/api/mcp
- Changelog RSS feed: https://verifymcp.io/servers/com-cleveralpha-www-calculators/api-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-cleveralpha-www-calculators/api-mcp.json
- HTML version of this page: https://verifymcp.io/servers/com-cleveralpha-www-calculators/api-mcp