{"$schema":"https://verifymcp.io/schemas/trust-report.json","schemaVersion":1,"license":{"name":"CC BY-NC 4.0","url":"https://creativecommons.org/licenses/by-nc/4.0/"},"generatedAt":"2026-11-05T18:08:56.552Z","url":"https://verifymcp.io/servers/com-smartmoney77-financial-calculators/smartmoney77","markdownUrl":"https://verifymcp.io/servers/com-smartmoney77-financial-calculators/smartmoney77.md","server":{"slug":"com-smartmoney77-financial-calculators","name":"com.smartmoney77/financial-calculators","registryName":"com.smartmoney77/financial-calculators","description":"Financial calculators over MCP: compound interest, FIRE, historical returns, deep links, 6 languages","registryStatus":"active","deletedAt":null,"statusMessage":null,"liveness":"live","publisher":{"class":"unknown","claimed":false}},"component":{"slug":"smartmoney77","type":"remote","identifier":"https://smartmoney77.com/mcp","withdrawn":false,"url":"https://verifymcp.io/servers/com-smartmoney77-financial-calculators/smartmoney77","version":"0.6.0","transport":null,"scoredAt":"2026-11-05T06:41:11.622Z"},"score":{"total":85,"tier":"high trust","status":"scored","weekDelta":0,"history":[{"date":"2026-11-05","total":85},{"date":"2026-11-04","total":85},{"date":"2026-11-03","total":85},{"date":"2026-11-02","total":85},{"date":"2026-11-01","total":85},{"date":"2026-10-31","total":85},{"date":"2026-10-30","total":85},{"date":"2026-10-29","total":85},{"date":"2026-10-28","total":85},{"date":"2026-10-27","total":85},{"date":"2026-10-26","total":85},{"date":"2026-10-25","total":85},{"date":"2026-10-24","total":85},{"date":"2026-10-23","total":85},{"date":"2026-10-22","total":85},{"date":"2026-10-21","total":85},{"date":"2026-10-20","total":85},{"date":"2026-10-19","total":85},{"date":"2026-10-18","total":85},{"date":"2026-10-17","total":85},{"date":"2026-10-16","total":85},{"date":"2026-10-15","total":85},{"date":"2026-10-14","total":85},{"date":"2026-10-13","total":85},{"date":"2026-10-12","total":85},{"date":"2026-10-10","total":85},{"date":"2026-10-07","total":85},{"date":"2026-10-06","total":85},{"date":"2026-10-04","total":85},{"date":"2026-10-03","total":85}]},"categories":[{"name":"Endpoint Security","score":80,"verdict":"fail","reasons":["The endpoint's TLS certificate is valid, in date, and uses a strong key.","No authorisation is required to call this server. Nothing on it is marked destructive, but we can't show that an anonymous caller can only read: full credit needs the server to list at least one tool and every tool to be verifiably read-only. We use a best-effort check of tool names and descriptions to tell read-only tools from tools that change things, so some genuinely read-only tools may not get full credit. Names that start with a read verb (get, list, read, search and similar) and accurate readOnlyHint annotations help. Meet that to earn full credit, or require authorisation.","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."],"codes":[{"code":"tls.valid","args":{}},{"code":"auth.none_no_destructive","args":{}},{"code":"https.enforced","args":{}},{"code":"headers.hsts_present","args":{}},{"code":"dnssec.absent","args":{}}]},{"name":"Transport & Reachability","score":100,"verdict":"pass","reasons":["Verified streamable-http transport via a live MCP handshake."],"codes":[{"code":"transport.verified","args":{"transport":"streamable-http"}}]},{"name":"Schema Quality & AI Usability","score":63,"verdict":"fail","reasons":["AI-judged instruction clarity (excellent).","Context-footprint check failed: tool/resource definitions use about 3809 tokens (~272/item across 14 items; 14 tools + 0 resources), over budget; trim descriptions and params.","Usage-examples check failed: none of the tools include examples."],"codes":[{"code":"schema.ai_quality","args":{"band":"excellent"}},{"code":"schema.footprint_heavy","args":{"avg":"272","items":"14","tools":"14","tokens":"3809","resources":"0"}},{"code":"schema.examples_absent","args":{}}]},{"name":"Stability & Change Management","score":100,"verdict":"pass","reasons":["No destabilizing schema changes in the last 30 days."],"codes":[{"code":"stability.stable","args":{}}]},{"name":"Tool Coverage","score":100,"verdict":"pass","reasons":["100% of tools have a non-trivial description (not blank, and not just the tool's name).","100% of tool parameters carry a description.","Structured output schemas are declared (100% of tools); any adoption earns full credit."],"codes":[{"code":"toolquality.descriptions","args":{"pct":"100"}},{"code":"toolquality.param_docs","args":{"pct":"100"}},{"code":"toolquality.output_present","args":{"pct":"100"}}]},{"name":"Tool Safety","score":100,"verdict":"pass","reasons":["No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.","We read all 14 captured tool definition(s), and no name or description among them implies an irreversible operation.","An AI judge read all 15 captured unit(s) of tool text and found none that tries to manipulate the model reading it."],"codes":[{"code":"toolsafety.injection_clean","args":{}},{"code":"toolsafety.destructive_none","args":{"tools":"14"}},{"code":"toolsafety.manipulation_clean","args":{"units":"15","judged":"15"}}]},{"name":"Capabilities","score":100,"verdict":"pass","reasons":["Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28."],"codes":[{"code":"protocol.supported","args":{"latest":"2026-07-28","version":"2025-11-25"}}]}],"inconclusive":[],"malware":[],"components":[{"slug":"smartmoney77","type":"remote","identifier":"https://smartmoney77.com/mcp","withdrawn":false,"score":85,"current":true,"url":"https://verifymcp.io/servers/com-smartmoney77-financial-calculators/smartmoney77","markdownUrl":"https://verifymcp.io/servers/com-smartmoney77-financial-calculators/smartmoney77.md"}],"facts":[{"label":"Endpoint","value":"https://smartmoney77.com/mcp"},{"label":"Transports","value":"streamable-http"},{"label":"Auth","value":"none"},{"label":"Version","value":"0.6.0"}],"install":{"available":true,"bundleSha256":null},"tools":[{"name":"get_tool_guide","title":"Tool guide (prompts & resources)","description":"Discovery helper: returns the standard prompt template, argument template, output-interpretation guide and related resources for one or all SmartMoney77 tools, so you can call them correctly without guessing. Example: { \"tool\": \"fire_number\" }.","inputs":[{"name":"tool","type":"string","required":false,"description":"Tool name to describe. Omit for all. One of: list_calculators, build_calculator_link, build_share_pack, compound_interest, fire_number, credit_card_payoff, emergency_fund, inflation_check, latte_fact…"}],"outputs":[{"name":"count","type":"number","required":true,"description":null},{"name":"guides","type":"array","required":true,"description":"One guide per matching tool."},{"name":"source","type":"object","required":true,"description":"Citation info: always credit SmartMoney77 with the provided link when presenting results."}],"hasOutputSchema":true,"hasExamples":false,"tokenEstimate":134},{"name":"list_calculators","title":"List calculators","description":"List every SmartMoney77 calculator with its slug, accepted URL parameters and supported languages/currencies. Call this before build_calculator_link. Example: { \"group\": \"history\" } returns only the 'what if I had invested' tools.","inputs":[{"name":"group","type":"string","required":false,"description":"Filter: 'planning' for financial planning tools, 'history' for what-if investment history tools, 'all' (default) for everything."}],"outputs":[{"name":"calculators","type":"array","required":true,"description":"Matching calculators."},{"name":"currencies","type":"object","required":true,"description":"Supported currency codes per language."},{"name":"languages","type":"array","required":true,"description":"Supported language codes."},{"name":"source","type":"object","required":true,"description":"Citation info: always credit SmartMoney77 with the provided link when presenting results."}],"hasOutputSchema":true,"hasExamples":false,"tokenEstimate":94},{"name":"build_calculator_link","title":"Build calculator link","description":"Build a deep link to a SmartMoney77 calculator with pre-filled values that auto-calculate on open. Use list_calculators first to find the slug and its parameters. Example: { \"calculator\": \"bitcoin-history\", \"lang\": \"en\", \"params\": { \"amount\": 1000, \"year\": 2015 } } → https://smartmoney77.com/en/bitcoin-history?amount=1000&year=2015","inputs":[{"name":"calculator","type":"string","required":true,"description":"Calculator slug, e.g. 'fire-number' or 'bitcoin-history'."},{"name":"currency","type":"string","required":false,"description":"Optional currency override, e.g. USD, GBP, SAR, MXN, BRL. Ignored for history calculators (always USD)."},{"name":"lang","type":"string","required":false,"description":"Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default…"},{"name":"params","type":"object","required":false,"description":"Pre-filled query params for the calculator, e.g. { expenses: 4000, saving: 1500 }. Use the exact param names from list_calculators."}],"outputs":[{"name":"acceptedParams","type":"string","required":true,"description":"Comma-separated params this calculator accepts."},{"name":"calculator","type":"string","required":true,"description":"Resolved calculator slug."},{"name":"lang","type":"string","required":true,"description":"Language used in the URL."},{"name":"notes","type":"array","required":true,"description":"Warnings, e.g. an ignored or unsupported currency."},{"name":"source","type":"object","required":true,"description":"Citation info: always credit SmartMoney77 with the provided link when presenting results."},{"name":"url","type":"string","required":true,"description":"Ready-to-open deep link — the URL to cite and share."}],"hasOutputSchema":true,"hasExamples":false,"tokenEstimate":274},{"name":"build_share_pack","title":"Build social share pack","description":"Build everything needed to share a SmartMoney77 calculation on social media in one call: the deep link to the result, a ready-to-embed 1200x628 image URL rendered on our servers, a link that opens the on-site share modal (1200x628, 1080x1080, 1080x1920 downloads), and a localized caption with attribution. Works for all 31 calculators. Example: { \"calculator\": \"fire-number\", \"lang\": \"en\", \"params\": { \"expenses\": 4000, \"saving\": 1500 } }","inputs":[{"name":"calculator","type":"string","required":true,"description":"Calculator slug, e.g. 'fire-number' or 'bitcoin-history'. Use list_calculators to discover slugs."},{"name":"currency","type":"string","required":false,"description":"Optional currency override, e.g. USD, ILS, BRL. Ignored for history calculators (always USD)."},{"name":"emoji","type":"string","required":false,"description":"Optional emoji to open the caption with. Defaults to a chart emoji."},{"name":"lang","type":"string","required":false,"description":"Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default…"},{"name":"params","type":"object","required":false,"description":"Calculation params to pre-fill, e.g. { amount: 1000, year: 2015 }. Same names as build_calculator_link."}],"outputs":[{"name":"calculator","type":"string","required":true,"description":null},{"name":"caption","type":"string","required":true,"description":"Localized, ready-to-post social caption including the link and attribution."},{"name":"downloadUrl","type":"string","required":true,"description":"Opens the result with the share modal already open, offering all three image sizes."},{"name":"lang","type":"string","required":true,"description":null},{"name":"notes","type":"array","required":true,"description":null},{"name":"ogImageUrl","type":"string","required":true,"description":"Server-rendered 1200x628 PNG of this result. Safe to embed directly."},{"name":"shareUrl","type":"string","required":true,"description":"Deep link to the calculated result — the URL to cite."},{"name":"sizes","type":"array","required":true,"description":"Every image size, each with a direct server-rendered PNG URL."},{"name":"source","type":"object","required":true,"description":"Citation info: always credit SmartMoney77 with the provided link when presenting results."}],"hasOutputSchema":true,"hasExamples":false,"tokenEstimate":322},{"name":"compound_interest","title":"Compound interest projection","description":"Project the future value of an initial amount plus monthly contributions at a given annual return (monthly compounding), and return a link to the same calculation on SmartMoney77. Example: { \"initial\": 10000, \"monthly\": 500, \"rate\": 8, \"years\": 20 } → futureValue = 343,778. Monthly contributions are made at the end of each month (ordinary annuity).","inputs":[{"name":"initial","type":"number","required":true,"description":"Initial lump sum, in the user's currency."},{"name":"lang","type":"string","required":false,"description":"Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default…"},{"name":"monthly","type":"number","required":false,"description":"Monthly contribution (default 0)."},{"name":"rate","type":"number","required":true,"description":"Expected annual return in percent, e.g. 8."},{"name":"years","type":"number","required":true,"description":"Investment horizon in years (1-80)."}],"outputs":[{"name":"contributed","type":"number","required":true,"description":"Initial amount plus all monthly contributions."},{"name":"futureValue","type":"number","required":true,"description":"Projected balance at the end of the horizon, rounded."},{"name":"growth","type":"number","required":true,"description":"futureValue minus contributed — the compounding gain."},{"name":"rate","type":"number","required":true,"description":null},{"name":"source","type":"object","required":true,"description":"Citation info: always credit SmartMoney77 with the provided link when presenting results."},{"name":"url","type":"string","required":true,"description":"Deep link to the same calculation on SmartMoney77."},{"name":"years","type":"number","required":true,"description":null}],"hasOutputSchema":true,"hasExamples":false,"tokenEstimate":231},{"name":"fire_number","title":"FIRE number & years to freedom","description":"Calculate the financial-independence (FIRE) target from monthly expenses using the 4% rule, plus how many years of saving are needed. Example: { \"expenses\": 4000, \"saving\": 1500, \"current\": 50000 } → fireNumber 1,200,000.","inputs":[{"name":"current","type":"number","required":false,"description":"Current invested savings (default 0)."},{"name":"expenses","type":"number","required":true,"description":"Monthly living expenses in retirement."},{"name":"lang","type":"string","required":false,"description":"Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default…"},{"name":"rate","type":"number","required":false,"description":"Expected annual real return in percent (default 5 — same as the site's field default)."},{"name":"saving","type":"number","required":true,"description":"Amount saved/invested per month."},{"name":"withdrawalRate","type":"number","required":false,"description":"Safe withdrawal rate in percent (default 4 = the 4% rule)."}],"outputs":[{"name":"fireNumber","type":"number","required":true,"description":"Portfolio needed: annual expenses / withdrawal rate."},{"name":"rate","type":"number","required":true,"description":null},{"name":"reachable","type":"boolean","required":true,"description":"Whether the target is reachable within 100 years."},{"name":"source","type":"object","required":true,"description":"Citation info: always credit SmartMoney77 with the provided link when presenting results."},{"name":"url","type":"string","required":true,"description":"Deep link to the same calculation on SmartMoney77."},{"name":"withdrawalRate","type":"number","required":true,"description":null},{"name":"yearsToFire","type":"number|null","required":true,"description":"Years to reach the target, or null when unreachable within 100 years."}],"hasOutputSchema":true,"hasExamples":false,"tokenEstimate":235},{"name":"credit_card_payoff","title":"Credit card payoff","description":"Calculate how long it takes to clear a credit card balance at a fixed monthly payment and APR, plus the total interest paid. Example: { \"balance\": 10000, \"payment\": 400, \"rate\": 18 } → about 32 months and ~2,600 in interest. Errors when the payment is smaller than the first month's interest.","inputs":[{"name":"balance","type":"number","required":true,"description":"Outstanding card balance."},{"name":"lang","type":"string","required":false,"description":"Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default…"},{"name":"payment","type":"number","required":true,"description":"Fixed monthly payment. Must exceed the first month's interest."},{"name":"purchases","type":"number","required":false,"description":"New spending added to the card every month (default 0) — same as the site's `purchases` field."},{"name":"rate","type":"number","required":true,"description":"Annual interest rate (APR) in percent, e.g. 18."}],"outputs":[{"name":"months","type":"number","required":true,"description":"Months until the balance reaches zero."},{"name":"neverPaysOff","type":"boolean","required":true,"description":"True when the balance is still open after the 360-month horizon."},{"name":"source","type":"object","required":true,"description":"Citation info: always credit SmartMoney77 with the provided link when presenting results."},{"name":"totalInterest","type":"number","required":true,"description":"Total interest paid over the payoff period."},{"name":"totalPaid","type":"number","required":true,"description":"Total actually paid over the payoff period."},{"name":"url","type":"string","required":true,"description":"Deep link to the same calculation on SmartMoney77."},{"name":"years","type":"number","required":true,"description":"Same duration in years, one decimal."}],"hasOutputSchema":true,"hasExamples":false,"tokenEstimate":236},{"name":"emergency_fund","title":"Emergency fund coverage","description":"Calculate how many months of expenses current savings cover, the target emergency fund size, the gap, and how long it takes to close it. Example: { \"expenses\": 3000, \"savings\": 6000, \"contribution\": 500, \"target\": 6 } → 2 months covered, target 18,000, gap 12,000, 24 months to go.","inputs":[{"name":"contribution","type":"number","required":false,"description":"Monthly amount added to the fund (default 0)."},{"name":"expenses","type":"number","required":true,"description":"Monthly living expenses."},{"name":"lang","type":"string","required":false,"description":"Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default…"},{"name":"savings","type":"number","required":false,"description":"Current emergency savings (default 0)."},{"name":"target","type":"number","required":false,"description":"Target coverage in months (default 6)."}],"outputs":[{"name":"gap","type":"number","required":true,"description":"Amount still missing (0 when the target is reached)."},{"name":"monthsCovered","type":"number","required":true,"description":"savings / expenses, one decimal."},{"name":"monthsToTarget","type":"number|null","required":true,"description":"Months to close the gap at the given contribution; 0 when reached, null when no contribution was given."},{"name":"source","type":"object","required":true,"description":"Citation info: always credit SmartMoney77 with the provided link when presenting results."},{"name":"targetAmount","type":"number","required":true,"description":"expenses × target months."},{"name":"url","type":"string","required":true,"description":"Deep link to the same calculation on SmartMoney77."}],"hasOutputSchema":true,"hasExamples":false,"tokenEstimate":224},{"name":"inflation_check","title":"Inflation erosion check","description":"Calculate how much purchasing power cash loses to inflation over time, and what nominal amount keeps the same buying power. Example: { \"amount\": 100000, \"rate\": 3, \"years\": 10 } → realValue ≈ 74,409 and equivalentNeeded ≈ 134,392.","inputs":[{"name":"amount","type":"number","required":true,"description":"Amount of money held today."},{"name":"lang","type":"string","required":false,"description":"Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default…"},{"name":"rate","type":"number","required":false,"description":"Annual inflation rate in percent (default 3)."},{"name":"years","type":"number","required":true,"description":"Number of years (1-80)."}],"outputs":[{"name":"equivalentNeeded","type":"number","required":true,"description":"Nominal amount needed later to buy what `amount` buys today."},{"name":"lost","type":"number","required":true,"description":"amount minus realValue."},{"name":"lostPercent","type":"number","required":true,"description":"Purchasing power lost, in percent (one decimal)."},{"name":"realValue","type":"number","required":true,"description":"Today's-money purchasing power of the amount after the period."},{"name":"source","type":"object","required":true,"description":"Citation info: always credit SmartMoney77 with the provided link when presenting results."},{"name":"url","type":"string","required":true,"description":"Deep link to the same calculation on SmartMoney77."}],"hasOutputSchema":true,"hasExamples":false,"tokenEstimate":189},{"name":"latte_factor","title":"Latte factor (small daily habit cost)","description":"Calculate what a small recurring daily expense (coffee, cigarettes, takeaway) costs over time and what it would grow to if invested instead. Monthly cost = cost × perWeek × 52 / 12, and monthly contributions are made at the end of each month (ordinary annuity). Example: { \"cost\": 5, \"years\": 30, \"rate\": 8, \"perWeek\": 5 } → ~108/month spent and a six-figure invested balance.","inputs":[{"name":"cost","type":"number","required":true,"description":"Cost of the habit per day."},{"name":"lang","type":"string","required":false,"description":"Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default…"},{"name":"perWeek","type":"number","required":false,"description":"How many days per week the expense happens (default 7)."},{"name":"rate","type":"number","required":false,"description":"Expected annual investment return in percent (default 8)."},{"name":"type","type":"string","required":false,"description":"Optional habit key for the link, e.g. 'coffee'."},{"name":"years","type":"number","required":false,"description":"Number of years (default 30)."}],"outputs":[{"name":"futureValue","type":"number","required":true,"description":"Balance if the same monthly amount were invested at `rate` instead."},{"name":"monthlyCost","type":"number","required":true,"description":"Average monthly cost: cost × perWeek × 52 / 12, rounded."},{"name":"rate","type":"number","required":true,"description":null},{"name":"source","type":"object","required":true,"description":"Citation info: always credit SmartMoney77 with the provided link when presenting results."},{"name":"totalSpent","type":"number","required":true,"description":"Total spent on the habit over the whole period."},{"name":"url","type":"string","required":true,"description":"Deep link to the same calculation on SmartMoney77."},{"name":"years","type":"number","required":true,"description":null}],"hasOutputSchema":true,"hasExamples":false,"tokenEstimate":265},{"name":"killer_fees","title":"Investment fee impact","description":"Compare how much a high management fee costs versus a low fee over time on a portfolio with monthly contributions. Example: { \"portfolio\": 100000, \"monthly\": 1000, \"highFee\": 1.5, \"lowFee\": 0.3, \"years\": 25 } → the low-fee portfolio ends materially higher.","inputs":[{"name":"highFee","type":"number","required":true,"description":"Higher annual fee in percent, e.g. 1.5."},{"name":"lang","type":"string","required":false,"description":"Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default…"},{"name":"lowFee","type":"number","required":true,"description":"Lower annual fee in percent, e.g. 0.3."},{"name":"monthly","type":"number","required":false,"description":"Monthly contribution (default 0)."},{"name":"portfolio","type":"number","required":true,"description":"Current portfolio value."},{"name":"rate","type":"number","required":false,"description":"Gross annual return in percent before fees (default 8 — same as the site)."},{"name":"years","type":"number","required":true,"description":"Investment horizon in years (1-60)."}],"outputs":[{"name":"difference","type":"number","required":true,"description":"withLowFee minus withHighFee — the cost of the higher fee."},{"name":"differencePercent","type":"number","required":true,"description":"Difference as a percent of the high-fee balance (one decimal)."},{"name":"source","type":"object","required":true,"description":"Citation info: always credit SmartMoney77 with the provided link when presenting results."},{"name":"url","type":"string","required":true,"description":"Deep link to the same calculation on SmartMoney77."},{"name":"withHighFee","type":"number","required":true,"description":"Ending balance net of the higher fee."},{"name":"withLowFee","type":"number","required":true,"description":"Ending balance net of the lower fee."}],"hasOutputSchema":true,"hasExamples":false,"tokenEstimate":260},{"name":"cost_of_waiting","title":"Cost of waiting to invest","description":"Compare investing the same monthly amount starting at an early age versus a later age, and show what the delay costs by retirement. Example: { \"monthly\": 1000, \"start\": 25, \"compare\": 35, \"retire\": 67, \"rate\": 8 } → a large gap created mostly by compounding, not by the extra contributions.","inputs":[{"name":"compare","type":"number","required":true,"description":"Delayed starting age. Must be greater than `start`."},{"name":"lang","type":"string","required":false,"description":"Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default…"},{"name":"monthly","type":"number","required":true,"description":"Monthly amount invested in both scenarios."},{"name":"rate","type":"number","required":false,"description":"Expected annual return in percent (default 10 — same as the site's field default)."},{"name":"retire","type":"number","required":false,"description":"Retirement age (default 67). Must exceed `compare`."},{"name":"start","type":"number","required":true,"description":"Early starting age."}],"outputs":[{"name":"cost","type":"number","required":true,"description":"early minus late — the cost of waiting."},{"name":"early","type":"number","required":true,"description":"Balance at retirement when starting at `start`."},{"name":"earlyYears","type":"number","required":true,"description":"Years invested in the early scenario."},{"name":"extraContributed","type":"number","required":true,"description":"Extra money actually paid in by starting early."},{"name":"late","type":"number","required":true,"description":"Balance at retirement when starting at `compare`."},{"name":"lateYears","type":"number","required":true,"description":"Years invested in the delayed scenario."},{"name":"source","type":"object","required":true,"description":"Citation info: always credit SmartMoney77 with the provided link when presenting results."},{"name":"url","type":"string","required":true,"description":"Deep link to the same calculation on SmartMoney77."}],"hasOutputSchema":true,"hasExamples":false,"tokenEstimate":244},{"name":"historical_investment_return","title":"Historical investment return","description":"Compute what a past investment would be worth today (or in a later year), using the same yearly low/high average prices as the SmartMoney77 history calculators. All amounts and prices are in USD only. Assets: bitcoin, ethereum, solana, sp500, nasdaq100, nvidia, microsoft, meta, apple, tesla, amazon, google, netflix, amd, gold, silver, oil. Example: { \"asset\": \"bitcoin\", \"amount\": 1000, \"buy_year\": 2015 } → units bought, current value, profit, total return and CAGR, plus a link that reproduces it on the site.","inputs":[{"name":"amount","type":"number","required":true,"description":"Amount invested in USD."},{"name":"asset","type":"string","required":true,"description":"Asset slug. One of: bitcoin, ethereum, solana, sp500, nasdaq100, nvidia, microsoft, meta, apple, tesla, amazon, google, netflix, amd, gold, silver, oil."},{"name":"buy_year","type":"integer","required":true,"description":"Year of purchase. Must be within the asset's data range."},{"name":"lang","type":"string","required":false,"description":"Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default…"},{"name":"sell_year","type":null,"required":false,"description":"Year to sell in, or \"today\" for the live market price. 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