# EveryCalc (remote · everycalc.xyz) 69 free finance, military, school and everyday calculators as MCP tools. - Trust score: 75/100 (medium) - Change this week: +5 - Registry status: active - Liveness: live - Owner verified: no - Last scored: 2026-11-05 ## Components - remote · `everycalc.xyz`: 75/100 (this document), [markdown](https://verifymcp.io/servers/xyz-everycalc-every-calc/everycalc.md), [page](https://verifymcp.io/servers/xyz-everycalc-every-calc/everycalc) ## Channel facts - Endpoint: `https://everycalc.xyz/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**: 77/100 - 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. - HSTS check failed: the Strict-Transport-Security header is absent. - DNSSEC is configured correctly; the domain's records validate against the full chain to the root. - **Transport & Reachability**: 100/100 - Verified streamable-http transport via a live MCP handshake. - **Schema Quality & AI Usability**: 69/100 - AI-judged instruction clarity (excellent). - Context-footprint check failed: tool/resource definitions use about 12944 tokens (~187/item across 69 items; 69 tools + 0 resources), over budget; trim descriptions and params. - Usage-examples check failed: none of the tools include examples. - **Stability & Change Management**: 53/100 - Stability observed for 16 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. - Structured output schemas are declared (100% of tools); any adoption earns full credit. - **Tool Safety**: 75/100 - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured. - 0 of 2 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation; "calculate_military_pay" implies "pay" and declares readOnlyHint instead, contradicting what its own name says it does. - An AI judge read all 69 captured unit(s) of tool text and found none that tries to manipulate the model reading it. - **Capabilities**: 40/100 - Spec-recency check failed: implements MCP spec 2025-03-26; the latest is 2026-07-28. ## Install ### How do I install the EveryCalc MCP server? EveryCalc is a hosted endpoint at https://everycalc.xyz/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 xyz-everycalc-every-calc 'https://everycalc.xyz/mcp' ``` ### Cursor ```json { "mcpServers": { "xyz-everycalc-every-calc": { "url": "https://everycalc.xyz/mcp" } } } ``` ### VS Code ```json { "servers": { "xyz-everycalc-every-calc": { "type": "http", "url": "https://everycalc.xyz/mcp" } } } ``` ### Codex ```toml [mcp_servers.xyz-everycalc-every-calc] url = "https://everycalc.xyz/mcp" ``` ### opencode ```json { "$schema": "https://opencode.ai/config.json", "mcp": { "xyz-everycalc-every-calc": { "type": "remote", "url": "https://everycalc.xyz/mcp", "enabled": true } } } ``` ### OpenClaw ```bash openclaw mcp add xyz-everycalc-every-calc --url 'https://everycalc.xyz/mcp' --transport streamable-http ``` ### Hermes ```yaml mcp_servers: xyz-everycalc-every-calc: url: "https://everycalc.xyz/mcp" ``` ### Netclaw ```json { "McpServers": { "xyz-everycalc-every-calc": { "Transport": "http", "Url": "https://everycalc.xyz/mcp" } } } ``` ### Vellum ```bash assistant mcp add xyz-everycalc-every-calc -t streamable-http -u 'https://everycalc.xyz/mcp' ``` ### Other ```json { "mcpServers": { "xyz-everycalc-every-calc": { "type": "http", "url": "https://everycalc.xyz/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 75, +1) No change was recorded against any check on this day. Stability & Change Management went from 50 to 53. That category is still filling its 30-day observation window: 15 days of observed history at the previous scan, 16 at this one. The score rises as the window fills, whether or not the server changes. ### 2026-11-03 (score 74, +1) No change was recorded against any check on this day. Stability & Change Management went from 43 to 47. That category is still filling its 30-day observation window: 13 days of observed history at the previous scan, 14 at this one. The score rises as the window fills, whether or not the server changes. ### 2026-10-31 (score 73, +1) No change was recorded against any check on this day. Stability & Change Management went from 33 to 37. That category is still filling its 30-day observation window: 10 days of observed history at the previous scan, 11 at this one. The score rises as the window fills, whether or not the server changes. ### 2026-10-30 (score 72, +2) - [security improvement] DNSSEC: fail → pass ### 2026-10-28 (score 70, +1) No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes. ### 2026-10-27 (score 69, +4) - [security improvement] HTTPS: unverified → pass ### 2026-10-26 (score 65, +1) No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes. ### 2026-10-24 (score 64, +1) No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes. ## MCP tools (69) ### `calculate_mortgage` (~281 tokens) Monthly mortgage payment breakdown: principal and interest via the amortization formula, plus property tax, homeowner insurance, PMI, and HOA. Use when the user is buying a home and wants the full monthly payment including tax, insurance, PMI and HOA. For a plain loan without housing costs use calculate_loan; for the most they can afford use calculate_affordability. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive mortgage calculator. Input parameters: - `annual_rate_pct` (number, required): Annual interest rate percent, e.g. 6.5. - `down_payment_pct` (number): Down payment percent; default 20. - `down_payment_usd` (number): Down payment in USD (wins over down_payment_pct). - `hoa_monthly` (number): Monthly HOA dues in USD. - `home_insurance_annual` (number): Yearly homeowner insurance in USD. - `home_price` (number, required): Purchase price in USD. - `include_schedule` (boolean): Include the yearly amortization schedule. - `pmi_rate_pct` (number): Annual PMI rate percent; default 0.5. - `property_tax_annual` (number): Yearly property tax in USD. - `term_years` (number): Loan term in years; default 30. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_refinance` (~179 tokens) Refinance break-even month and lifetime savings of refinancing a loan. Use when the user already has a loan and is weighing a refinance offer; it returns the break-even month and lifetime savings. For a brand-new loan payment use calculate_loan or calculate_mortgage. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive refinance calculator. Input parameters: - `balance` (number, required): Current loan balance in USD. - `closing_costs` (number): Closing costs in USD. - `current_rate_pct` (number, required): Current annual rate percent. - `new_rate_pct` (number, required): Offered annual rate percent. - `new_term_years` (number): New loan term in years; default 30. - `years_left` (number, required): Years remaining on the current loan. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_affordability` (~195 tokens) Maximum home price affordable from household income using the 28/36 rule. Use when the user asks how much house they can afford on their income. For the payment on a specific home price use calculate_mortgage. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive home affordability calculator. Input parameters: - `annual_income` (number, required): Gross yearly household income in USD. - `annual_rate_pct` (number, required): Expected mortgage rate percent. - `back_ratio_pct` (number): Back-end ratio percent; default 36. - `down_payment` (number): Cash available for down payment in USD. - `front_ratio_pct` (number): Front-end ratio percent; default 28. - `monthly_debts` (number): Existing monthly debt payments in USD. - `term_years` (number): Loan term in years; default 30. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_loan` (~149 tokens) Monthly payment, total interest, and optional amortization schedule for an amortizing loan. Use when the user wants the payment, total interest or payoff schedule for a generic loan. For cars use calculate_auto_loan; for homes calculate_mortgage; for student debt calculate_student_loan_payoff. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive loan calculator. Input parameters: - `annual_rate_pct` (number, required): Annual rate percent. - `include_schedule` (boolean): Include the yearly amortization schedule. - `principal` (number, required): Amount borrowed in USD. - `term_years` (number, required): Term in years. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_compound_interest` (~170 tokens) Future value of an investment with monthly contributions and monthly compounding. Use when the user asks how savings or an investment grows over time with regular contributions. For a 401k with employer match use calculate_401k; for a retirement balance use calculate_retirement_savings_planner. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive compound interest calculator. Input parameters: - `annual_rate_pct` (number, required): Annual return percent. - `include_schedule` (boolean): Include the yearly growth schedule. - `monthly_contribution` (number): Added at the end of each month in USD. - `principal` (number): Starting balance in USD. - `years` (number): Projection horizon; default 30, max 100. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_percentage` (~173 tokens) Percentage calculations in three modes: percent_of (x percent of y), what_percent (x is what percent of y), percent_change (change from old to new). Use when the user needs a percent-of, what-percent or percent-change calculation with no financial product attached. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive percentage calculator. Input parameters: - `mode` (string, required): Which percentage calculation to perform. - `new` (number): For percent_change: the ending value. - `old` (number): For percent_change: the starting value. - `x` (number): For percent_of: the percent. For what_percent: the part. - `y` (number): For percent_of: the whole. For what_percent: the whole. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_tip` (~101 tokens) Tip amount, bill total, and per-person split. Use when the user is tipping or splitting a restaurant bill. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive tip calculator. Input parameters: - `bill` (number, required): Bill amount in USD. - `people` (number): Number of people; default 1. - `tip_pct` (number): Tip percent; default 20. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_salary` (~155 tokens) Convert between hourly, daily, weekly, biweekly, monthly, and annual pay. Use when the user converts pay between hourly, weekly and annual figures. For take-home pay after taxes use calculate_paycheck or calculate_income_tax_estimator. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive salary calculator. Input parameters: - `annual` (number): Annual salary in USD (annual mode). - `hourly` (number): Hourly rate in USD (hourly mode). - `hours_per_week` (number): Hours worked per week; default 40. - `mode` (string): Whether the input is an hourly rate or an annual salary; default hourly. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_age` (~158 tokens) Exact age from a birth date to a target date, broken into years, months, and days, plus total days lived, total hours lived, the weekday of birth, and days until the next birthday. Use when the user asks an exact age from a birth date, or days lived. For a plain span between two dates use calculate_date_duration. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive age calculator calculator. Input parameters: - `birth_date` (string, required): Date of birth in YYYY-MM-DD format. - `target_date` (string): Date to calculate the age as of, in YYYY-MM-DD format. If omitted, today is used, matching the page. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_auto_loan` (~204 tokens) Monthly payment, amount financed, total interest, and total cost of a car for an auto loan after down payment and trade-in value are subtracted from the vehicle price. Use when the user is financing a car purchase and wants the payment and total interest. For whether the car fits their budget use calculate_car_affordability; for leasing use calculate_lease_vs_buy. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive auto loan calculator calculator. Input parameters: - `annual_rate_pct` (number, required): Annual rate percent, e.g. 6.5. - `down_payment` (number): Down payment in USD. - `include_schedule` (boolean): Set to true to include the yearly amortization schedule. - `price` (number, required): Vehicle price in USD. - `term_years` (number, required): Loan term in years. - `trade_in` (number): Trade-in value in USD. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_date_duration` (~180 tokens) Inclusive number of days between two dates, plus business days after optionally excluding weekends and 2026 US federal holidays, calendar weeks, weekend days, and holidays in the range. Use when the user needs the days or business days between two dates. For age from a birth date use calculate_age. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive date duration calculator calculator. Input parameters: - `end_date` (string, required): End date in YYYY-MM-DD format. - `exclude_holidays` (boolean): Exclude 2026 US federal holidays from the business day count. - `exclude_weekends` (boolean): Exclude Saturdays and Sundays from the business day count. The page has this checked by default. - `start_date` (string, required): Start date in YYYY-MM-DD format. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_debt_payoff` (~287 tokens) Simulates paying off a list of debts month by month with minimum payments plus an extra monthly payment, comparing the avalanche method (highest APR first) with the snowball method (smallest balance first), and reports months to payoff, total interest, payoff order, and the interest and time the avalanche saves. Use when the user has several debts and wants a payoff plan comparing snowball and avalanche. For a single credit card use calculate_credit_card_payoff. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive debt payoff calculator calculator. Input parameters: - `debt_aprs` (array, required): Comma-separated annual percentage rates, in the same order as the balances. - `debt_balances` (array, required): Comma-separated debt balances in USD, in the same order as the other debt lists. Debts with a balance of 0 are skipped. - `debt_minimums` (array, required): Comma-separated minimum monthly payments in USD, in the same order as the balances. - `debt_names` (array): Comma-separated debt names, in the same order as the balances, APRs, and minimums. Blank names fall back to Debt 1, Debt 2, and so on. - `extra_payment` (number): Extra payment each month on top of the minimums, in USD. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_inflation` (~196 tokens) What an amount in today's dollars will buy after a number of years at a given annual inflation rate, what today's basket will cost then, the cumulative price increase percent, and the purchasing power lost. Use when the user asks what money will be worth in the future, or what a future amount costs in today's dollars. For whether a raise keeps up use calculate_raise_vs_inflation. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive inflation calculator calculator. Input parameters: - `amount` (number, required): Amount in today's dollars. - `annual_rate_pct` (number, required): Annual inflation rate percent, e.g. 3. - `include_schedule` (boolean): Set to true to include the purchasing power schedule in 5 year steps (or about 6 steps for longer horizons), matching the page table. - `years` (number): Years into the future. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_rent_vs_buy` (~296 tokens) Compares the net cost of buying a home (down payment, mortgage payments, tax, insurance, and maintenance, minus principal repaid and appreciation gain) with the total rent paid over the years you plan to stay, and gives a verdict plus the equity built. Use when the user is deciding between renting and buying a home over a period of years. For the buying payment alone use calculate_mortgage. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive rent vs buy calculator calculator. Input parameters: - `annual_rate_pct` (number, required): Mortgage annual rate percent, e.g. 6.5. - `appreciation_pct` (number): Annual home appreciation percent. - `down_payment_pct` (number): Down payment percent of the home price. - `home_insurance_annual` (number): Homeowner insurance per year in USD. - `maintenance_pct` (number): Maintenance per year as a percent of the home value. - `monthly_rent` (number, required): Current monthly rent in USD. - `price` (number, required): Home price in USD. - `property_tax_annual` (number): Property tax per year in USD. - `rent_increase_pct` (number): Annual rent increase percent. - `stay_years` (number): Years planning to stay in the home. - `term_years` (number): Loan term in years. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_roth_vs_traditional` (~216 tokens) Compares a Roth and a traditional retirement account at the same pre-tax annual contribution: the Roth invests what is left after tax today and is tax free at withdrawal, the traditional invests the full amount and is taxed at the retirement rate. Reports the winner, both after-tax values, and the tax each side pays. Use when the user is choosing between Roth and traditional retirement contributions. For converting an existing balance use calculate_roth_conversion. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Roth vs traditional calculator calculator. Input parameters: - `age` (number): Current age in years. - `annual_contribution` (number, required): Annual contribution before tax, in USD. - `annual_return_pct` (number): Expected annual return percent. - `current_tax_rate_pct` (number): Current marginal tax rate percent. - `retirement_age` (number): Retirement age in years. - `retirement_tax_rate_pct` (number): Expected tax rate in retirement percent. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_unit_converter` (~244 tokens) Converts a value between units in one category: length, weight, temperature, volume, or speed. Returns the converted result in the page's display precision, the value in base units, and the conversion rate (null for temperature, which uses an offset scale). Unit codes must belong to the chosen category. Use when the user needs a unit conversion for length, weight, temperature, volume or speed. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive unit converter calculator. Input parameters: - `category` (string): Unit category to convert within. - `from_unit` (string): Unit code to convert from. Must be a unit of the chosen category: length m, km, cm, mi, ft, in; weight kg, g, lb, oz; temperature C, F, K; volume L, mL, gal, floz; speed ms, kmh, mph. - `to_unit` (string): Unit code to convert to. Must be a unit of the chosen category, using the same code lists as from_unit. - `value` (number, required): Value to convert. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_word_counter` (~110 tokens) Counts words, characters, characters excluding whitespace, sentences, and paragraphs in a block of text, plus estimated reading time at 200 words per minute and speaking time at 130 words per minute. Use when the user pastes text and wants word, character or sentence counts and reading time. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive word counter calculator. Input parameters: - `text` (string, required): The text to count. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_401k` (~197 tokens) Projected 401k balance with employee contributions capped at 24500 per year, plus an employer match, compounded annually. Use when the user projects a 401k with contributions and an employer match. For a general investment projection use calculate_compound_interest; for TSP use calculate_tsp. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive 401k calculator. Input parameters: - `annual_return_pct` (number, required): Annual return percent. - `annual_salary` (number, required): Annual salary in USD. - `contribution_pct` (number, required): Employee contribution percent of salary. - `current_balance` (number, required): Current 401k balance in USD. - `match_cap_pct` (number, required): Percent of salary eligible for the employer match. - `match_pct` (number, required): Employer match percent of the matched contribution. - `years` (number, required): Years to project. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_arm_vs_fixed` (~244 tokens) Worst case adjustable rate mortgage simulation with rate caps, compared with a fixed rate loan on total interest, payments, and the breakeven year. Use when the user compares an adjustable rate mortgage with a fixed rate loan, including the worst case. For a standard fixed payment use calculate_mortgage. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive arm vs fixed calculator. Input parameters: - `arm_start_rate_pct` (number, required): ARM starting annual percent. - `fixed_period_years` (number, required): Years before the ARM first adjusts. - `fixed_rate_pct` (number, required): Fixed rate annual percent. - `fully_indexed_rate_pct` (number, required): Fully indexed annual percent the ARM can adjust toward. - `initial_cap_pct` (number, required): First adjustment cap in percentage points. - `lifetime_cap_pct` (number, required): Lifetime cap above the start rate in percentage points. - `loan_amount` (number, required): Loan amount in USD. - `periodic_cap_pct` (number, required): Cap per later adjustment in percentage points. - `term_years` (number): Loan term in years; default 30. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_biweekly_mortgage` (~156 tokens) Interest and time saved by paying half the monthly mortgage payment every two weeks instead of monthly. Use when the user asks what paying half the mortgage every two weeks saves versus monthly payments. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive biweekly mortgage calculator. Input parameters: - `annual_rate_pct` (number, required): Annual rate percent. - `balance` (number, required): Current mortgage balance in USD. - `current_monthly_payment` (number): Current monthly principal and interest payment in USD; leave at 0 to compute it from balance, rate, and term. - `term_years` (number): Remaining term in years; default 30. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_bmi_tdee` (~184 tokens) Body mass index and category, Mifflin-St Jeor basal metabolic rate, total daily energy expenditure, and cut and bulk calorie targets. Use when the user asks about BMI category, maintenance calories, or cut and bulk targets. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive bmi and tdee calculator. Input parameters: - `activity_factor` (number): Activity multiplier, for example 1.2 sedentary, 1.55 moderately active, 1.9 extremely active; default 1.55. - `age_years` (number, required): Age in years. - `height_cm` (number, required): Height in centimeters. - `sex` (string): Sex used by the BMR formula: m or f. - `weight_kg` (number, required): Weight in kilograms. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_capital_gains_tax` (~181 tokens) Federal tax on ordinary income plus short term gains at ordinary rates, with long term gains stacked at the 0, 15, and 20 percent thresholds for the filing status. Use when the user sells or plans to sell investments and needs the federal tax on the gains. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive capital gains tax calculator. Input parameters: - `filing_status` (string): Filing status: single, mfj (married filing jointly), or hoh (head of household). - `long_term_gains` (number, required): Long term capital gains in USD. - `ordinary_income` (number, required): Ordinary taxable income in USD, before capital gains. - `short_term_gains` (number): Short term capital gains in USD; default 0. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_car_affordability` (~216 tokens) Monthly loan payment plus running costs (insurance, fuel, and maintenance, given as annual amounts), total interest, and the five year cost of a car. Use when the user asks what car payment fits their budget including insurance, fuel and maintenance. For loan figures on a specific car use calculate_auto_loan. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive car affordability calculator. Input parameters: - `annual_rate_pct` (number, required): Loan annual rate percent. - `down_payment` (number): Down payment in USD; default 0. - `fuel_annual` (number): Fuel cost per year in USD; default 0. - `insurance_annual` (number): Insurance cost per year in USD; default 0. - `maintenance_annual` (number): Maintenance cost per year in USD; default 0. - `term_months` (number, required): Loan term in months. - `vehicle_price` (number, required): Vehicle price in USD. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_credit_card_payoff` (~170 tokens) Months and interest to clear a credit card balance with a fixed monthly payment, compared with adding an extra monthly payment. A payment that never clears the balance returns null months and interest. Use when the user wants to clear a credit card balance and asks how long it takes or how much interest it costs. For several different debts use calculate_debt_payoff. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive credit card payoff calculator. Input parameters: - `annual_rate_pct` (number, required): Card APR percent. - `balance` (number, required): Card balance in USD. - `extra_payment` (number): Extra payment added each month in USD; default 0. - `monthly_payment` (number, required): Base monthly payment in USD. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_emergency_fund` (~178 tokens) Target emergency fund for a chosen number of months of essential expenses, the remaining gap, percent funded, and months to fill it at a monthly savings rate. Use when the user asks how big an emergency fund should be, or how close they are to the target. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive emergency fund calculator. Input parameters: - `current_savings` (number): Already saved in USD; default 0. - `monthly_expenses` (number, required): Essential monthly expenses in USD. - `monthly_savings` (number): Added per month in USD; default 0. - `months_of_coverage` (number): Months of expenses to cover, typically 3, 6, 9, or 12; default 6. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_income_tax_estimator` (~161 tokens) Federal income tax after pretax deductions and the standard deduction for the filing status, with AGI, taxable income, marginal rate, and effective rate. Use when the user wants a federal income tax estimate for a salary. For per-paycheck take-home pay use calculate_paycheck. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive income tax estimator calculator. Input parameters: - `filing_status` (string): Filing status: single, mfj (married filing jointly), or hoh (head of household). - `gross_income` (number, required): Gross annual income in USD. - `pretax_deductions` (number): Pretax deductions in USD; default 0. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_lease_vs_buy` (~245 tokens) Lease outlay over the lease term versus buy outlay net of equity in the car at the same point, with the winning option and the net cost difference. Use when the user compares leasing a car against buying it. For loan-only figures use calculate_auto_loan. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive lease vs buy calculator. Input parameters: - `buy_down_payment` (number): Buy down payment in USD; default 0. - `buy_rate_pct` (number, required): Buy loan annual rate percent. - `buy_term_months` (number, required): Buy loan term in months. - `lease_down_payment` (number): Lease down payment in USD; default 0. - `lease_monthly_payment` (number, required): Lease monthly payment in USD. - `lease_months` (number, required): Lease term in months. - `money_factor` (number): Lease money factor, for example 0.0025; default 0. - `msrp` (number, required): Vehicle MSRP in USD. - `residual_pct` (number, required): Residual value as a percent of MSRP at lease end. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_net_worth` (~182 tokens) Net worth, total assets, and total liabilities from comma separated asset and liability values, with optional matching names for the largest asset and liability. Only positive values count, as on the page. Use when the user lists assets and debts and wants their net worth. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive net worth calculator. Input parameters: - `asset_names` (array): Asset names, comma separated, in the same order as asset_values. - `asset_values` (array, required): Asset values in USD, comma separated, in the same order as asset_names. - `liability_names` (array): Liability names, comma separated, in the same order as liability_values. - `liability_values` (array, required): Liability values in USD, comma separated, in the same order as liability_names. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_paycheck` (~233 tokens) Per paycheck net pay after federal income tax, FICA (Social Security capped at 184500 of wages, Medicare, and the additional Medicare tax), a flat state tax rate, and pretax deductions. Use when the user wants take-home pay per paycheck after federal tax and FICA. For an annual tax picture use calculate_income_tax_estimator. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive paycheck calculator. Input parameters: - `annual_salary` (number, required): Annual salary in USD. - `filing_status` (string): Filing status: single, mfj (married filing jointly), or hoh (head of household). - `pay_frequency` (number): Paychecks per year: 52 weekly, 26 biweekly, 24 semimonthly, or 12 monthly; default 26. - `pretax_deductions` (number): Annual pretax deductions in USD; default 0. - `state_tax_rate_pct` (number, required): Flat state tax rate percent, applied to the full salary as on the page. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_property_tax_estimator` (~140 tokens) Annual and monthly property tax from the home value minus any exemption, at the given tax rate, with assessed value and effective rate. Use when the user needs a property tax estimate from a home value and tax rate. For the full mortgage payment use calculate_mortgage. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive property tax estimator calculator. Input parameters: - `exemption_amount` (number): Exemption amount in USD; default 0. - `home_value` (number, required): Home value in USD. - `tax_rate_pct` (number, required): Property tax rate percent. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_raise_vs_inflation` (~129 tokens) Whether a raise beats inflation: nominal new salary, inflation adjusted real salary, the real percent change, and a real raise, real pay cut, or flat verdict. Use when the user asks whether a raise actually beats inflation in real terms. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive raise vs inflation calculator. Input parameters: - `current_salary` (number, required): Current salary in USD. - `inflation_pct` (number, required): Inflation percent over the same period. - `raise_pct` (number, required): Raise percent. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_retirement_savings_planner` (~175 tokens) Projected retirement balance from current savings plus monthly contributions with monthly compounding, total contributions, growth, and a 4 percent rule withdrawal figure. Use when the user projects a retirement balance from current savings and monthly contributions. For a 401k with employer match use calculate_401k. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive retirement savings planner calculator. Input parameters: - `annual_return_pct` (number, required): Annual return percent. - `current_age` (number, required): Current age in years. - `current_savings` (number): Current retirement savings in USD; default 0. - `monthly_contribution` (number): Monthly contribution in USD; default 0. - `retirement_age` (number, required): Retirement age in years. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_roth_conversion` (~177 tokens) Value of converting to a Roth now, with the tax paid out of the converted amount, versus leaving the money in a traditional account taxed at the retirement rate, after growth. Use when the user weighs converting traditional retirement money to a Roth and paying the tax now. For choosing future contributions use calculate_roth_vs_traditional. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive roth conversion calculator. Input parameters: - `annual_return_pct` (number, required): Annual return percent. - `conversion_amount` (number, required): Amount considered for conversion in USD. - `current_tax_rate_pct` (number, required): Tax rate percent if converting now. - `retirement_tax_rate_pct` (number, required): Expected tax rate percent in retirement. - `years` (number, required): Years of growth after conversion. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_sba_loan` (~149 tokens) Monthly payment for an SBA loan with the guarantee fee percent financed into the loan, plus the amount financed, total interest, and total cost. Use when the user is pricing an SBA small business loan including the guarantee fee. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive sba loan calculator. Input parameters: - `annual_rate_pct` (number, required): Annual rate percent. - `guarantee_fee_pct` (number): Guarantee fee percent of the loan amount, financed into the loan; default 0. - `loan_amount` (number, required): Loan amount in USD. - `term_years` (number, required): Term in years. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_social_security_estimator` (~159 tokens) Primary insurance amount from the bend point formula (1286 and 7749) applied to average indexed monthly earnings, with monthly benefits at ages 62, 67, and 70. Annual earnings, when given above 0, override AIME as annual divided by 12. Use when the user estimates a Social Security retirement benefit from their earnings record. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive social security estimator calculator. Input parameters: - `aime_monthly` (number, required): Average indexed monthly earnings in USD. - `annual_earnings` (number): Annual earnings in USD; when above 0 it overrides aime_monthly. Default 0. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_aft` (~280 tokens) Scores all five AFT events (deadlift, hand-release push-ups, sprint-drag-carry, plank, 2-mile run) from 0 to 100 each using the 17-21 anchor tables, for a 500-point total. Combat MOS scoring is sex-neutral and requires 350 total with every event at 60 or above; the general standard requires every event at 60 or above. Use when a soldier provides Army Fitness Test event results and wants the scores and pass or fail. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive AFT calculator. Input parameters: - `deadlift_lbs` (number, required): 3-rep max deadlift weight in pounds. - `plank_time` (string, required): Plank hold time as m:ss (or total seconds). - `push_ups` (number, required): Hand-release push-up repetitions in 2 minutes. - `run_time` (string, required): 2-mile run time as m:ss (or total seconds). - `sex` (string): Sex for the scoring tables (ignored for combat, which is sex-neutral). - `sprint_drag_carry_time` (string, required): Sprint-drag-carry time as m:ss (or total seconds). - `standard` (string): Scoring standard: general or combat MOS. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_bah` (~175 tokens) Monthly Basic Allowance for Housing from the 2026 RC/Transient baseline rate table by pay grade, with or without dependents, plus the annualized amount. This is the single national baseline rate; it does not vary by duty station or ZIP code. Use when the user needs a Basic Allowance for Housing baseline rate by pay grade and dependency status. For total monthly military pay use calculate_military_pay. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive BAH calculator. Input parameters: - `dependents` (string): Whether the rate is with or without dependents. - `pay_grade` (string, required): Pay grade, e.g. E-5 or O-3. O-7+ covers O-7 to O-10. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_brs_vs_high3` (~182 tokens) Pension-only comparison of the legacy High-3 system (2.5 percent per year of service) against the Blended Retirement System (2.0 percent per year) on the same high-3 average basic pay: monthly, annual, and 30-year lifetime differences. Excludes TSP matching, continuation pay, COLA, and taxes. Use when a service member compares the legacy High-3 pension with the Blended Retirement System pension. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive BRS vs High-3 calculator. Input parameters: - `high3_monthly_avg` (number, required): High-3 average monthly basic pay in USD. - `years_of_service` (number, required): Years of service, clamped by the page to 20 to 40. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_gi_bill` (~169 tokens) Months of the 36-month Post-9/11 GI Bill entitlement remaining, tuition coverage percent, maximum annual books stipend, and Monthly Housing Allowance treatment for the given benefit tier and enrollment level. Use when the user asks what the Post-9/11 GI Bill covers or how much entitlement remains. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive GI Bill calculator. Input parameters: - `enrollment` (string): Enrollment level: full-time, part-time (over half-time), or half-time or less. - `months_used` (number): Months of entitlement already used, 0 to 36. - `tier_pct` (string): Post-9/11 GI Bill benefit tier percent based on qualifying service. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_les_decoder` (~259 tokens) Net pay from a Leave and Earnings Statement: sums the entitlement lines (base pay, BAH, BAS, other) and deduction lines (federal tax, FICA, state tax, SGLI, TSP, other), and returns net pay plus deductions as a percent of entitlements. Negative line items count as zero, as on the page. Use when the user has Leave and Earnings Statement lines and wants the net pay explained. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive LES decoder calculator. Input parameters: - `bah` (number): BAH entitlement in USD. - `bas` (number): BAS entitlement in USD. - `base_pay` (number): Base pay entitlement in USD. - `federal_tax` (number): Federal tax deduction in USD. - `fica` (number): FICA deduction in USD. - `other_deductions` (number): Other deductions in USD. - `other_entitlements` (number): Other entitlements in USD. - `sgli` (number): SGLI deduction in USD. - `state_tax` (number): State tax deduction in USD. - `tsp` (number): TSP deduction in USD. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_military_pay` (~168 tokens) Monthly basic pay from the 2026 pay table for a pay grade and years of service, plus the annualized amount. Grade E1B is the special E-1 rate for the first 4 months of service. Combinations the table does not authorize return authorized=false with null pay. Use when the user wants basic pay for a pay grade and years of service from the 2026 table. For housing allowance use calculate_bah. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive military pay calculator. Input parameters: - `pay_grade` (string, required): Pay grade. E1B means E-1 with under 4 months of service. - `years_of_service` (number, required): Years of service. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_military_retirement_pension` (~192 tokens) Monthly retired pay estimate: years of service times the system multiplier (2.0 percent per year for BRS, 2.5 percent per year for High-3) times the high-3 average monthly basic pay, before taxes, plus annual and 20-year lifetime amounts. Use when the user estimates monthly military retired pay. For a BRS versus High-3 comparison use calculate_brs_vs_high3. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive military retirement pension calculator. Input parameters: - `high3_monthly_avg` (number, required): High-3 average monthly basic pay in USD. - `system` (string): Retirement system: brs (2.0 percent per year) or high3 (2.5 percent per year). - `years_of_service` (number, required): Years of service. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_pcs_move` (~204 tokens) Estimated PCS move money: Dislocation Allowance (DLA) plus Temporary Lodging Expense (TLE, days capped at 21) plus the gross Personally Procured Move (PPM) reimbursement, with the PPM profit after moving costs. Use when the user is planning a PCS move and wants DLA, TLE and per diem estimates. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive PCS move calculator. Input parameters: - `dla` (number): Dislocation Allowance in USD. - `ppm_costs` (number): Actual PPM moving costs in USD. - `ppm_rate` (number): PPM reimbursement rate per pound in USD. - `ppm_weight` (number): PPM shipment weight in pounds. - `tle_days` (number): Temporary Lodging Expense days, capped at 21. - `tle_rate` (number): Daily TLE rate in USD. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_sgli_vs_private_insurance` (~191 tokens) Cost comparison of SGLI (0.06 USD per 1,000 USD of coverage per month plus a 1 USD monthly fee) against a private term premium over the given number of years: monthly and total SGLI cost, total private cost, and which is cheaper. The page's age field is not used by its calculation and is not a parameter here. Use when the user compares SGLI coverage cost with a private life insurance quote. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive SGLI vs private insurance calculator. Input parameters: - `coverage` (number, required): Life insurance coverage amount in USD. - `private_monthly` (number, required): Private term insurance monthly premium in USD. - `years` (number, required): Comparison horizon in years (minimum 1, as on the page). Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_tsp` (~258 tokens) Projected TSP balance with annual employee contributions (capped at the 24,500 USD elective deferral limit used by the page) plus, when matching is on, the BRS agency contribution: 1 percent automatic plus a match of 100 percent of the first 3 percent of pay and 50 percent of the next 2 percent. Contributions are treated as annual amounts compounded with the starting balance, as on the page. The page's Roth percent field is not used by its calculation and is not a parameter here. Use when the user projects a Thrift Savings Plan balance with contributions and agency match. For a civilian 401k use calculate_401k. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive TSP calculator. Input parameters: - `balance` (number): Current TSP balance in USD. - `contrib_pct` (number, required): Employee contribution percent of salary. - `match_on` (boolean): Whether BRS agency automatic and matching contributions apply. - `return_pct` (number, required): Annual return percent. - `salary` (number, required): Annual salary (basic pay basis) in USD. - `years` (number, required): Projection horizon in years. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_va_disability` (~160 tokens) Monthly VA disability compensation from the 2026 rates (2.8 percent COLA, effective Dec 1, 2025) for a combined rating from 10 to 100 percent and a dependent status, plus the annualized amount. Dependency add-ons begin at 30 percent. Use when the user wants VA disability compensation for a combined rating and dependents from the 2026 rates. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive VA disability calculator. Input parameters: - `dependents` (string): Dependent status: alone, spouse, spouseChild, spouse2Children, or vetChild. - `rating` (string, required): VA combined disability rating percent. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_act_score` (~201 tokens) Composite, STEM, and ELA scores from the four ACT section scores, each clamped to 1 to 36 exactly as the page does. The composite is the rounded average of the four sections. Use when the user has ACT section scores and wants the composite, STEM and ELA scores. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive ACT Score calculator. Input parameters: - `english` (number, required): English section score, 1 to 36 (clamped and rounded as on the page). - `math` (number, required): Math section score, 1 to 36 (clamped and rounded as on the page). - `reading` (number, required): Reading section score, 1 to 36 (clamped and rounded as on the page). - `science` (number, required): Science section score, 1 to 36 (clamped and rounded as on the page). Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_ap_exam_score` (~205 tokens) Predicted AP score from 1 to 5 using the page bands on the weighted composite percent: multiple choice and free response contributions are weighted by the exam split, then banded at 70, 55, 40, and 25 percent. Use when the user estimates an AP exam score from multiple choice and free response results. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive AP Exam Score calculator. Input parameters: - `frq_earned` (number, required): Free response points earned. - `frq_total` (number, required): Total free response points possible. - `mc_correct` (number, required): Multiple choice questions answered correctly. - `mc_total` (number, required): Total multiple choice questions. - `mc_weight_pct` (number): Multiple choice weight percent for the exam (the page presets are 50, 40, 45, and 60 depending on the exam); default 50. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_college_acceptance` (~238 tokens) Rough acceptance chance: a selectivity tier base rate (92, 80, 50, 20, or 5 percent) adjusted by GPA and test score bands, clamped to 1 to 99 percent and labeled Safety, Target, Reach, or High reach. SAT is used when provided, otherwise ACT. Use when the user wants a rough admission chance for a college selectivity tier. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive College Acceptance calculator. Input parameters: - `act` (number): ACT composite score, used only when no SAT is given, or 0 to leave out; default 0. - `gpa` (number, required): Unweighted GPA on the 4.0 scale. - `sat` (number): SAT total score, or 0 to leave out; default 0. - `tier_base_pct` (number): Selectivity tier base rate percent from the page: 92 open admission, 80 less selective, 50 selective, 20 highly selective, 5 most selective; default 20. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_college_major_roi` (~139 tokens) Payback years, lifetime earnings minus degree cost, and salary to cost ratio for a major, using the page table of approximate median early career salaries by major. Use when the user compares a college major's cost against its earnings payback. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive College Major ROI calculator. Input parameters: - `career_years` (number): Projected career years; default 30. - `degree_cost` (number, required): Total degree cost in USD. - `major` (string): Major name from the page salary table; default Nursing. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_college_roi` (~180 tokens) Earnings premium of a degree salary over a no degree baseline salary, both growing at the same annual raise rate, plus the net gain after degree cost, the break-even year, and the return multiple on cost. Use when the user asks whether a degree pays off versus the no-degree baseline. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive College ROI calculator. Input parameters: - `annual_raise_pct` (number): Annual raise percent applied to both salaries; default 3. - `baseline_salary` (number, required): Starting yearly salary without the degree in USD. - `starting_salary` (number, required): Starting yearly salary with the degree in USD. - `total_cost` (number, required): Total degree cost in USD. - `years` (number): Working years to project; default 10. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_dorm_vs_apartment` (~203 tokens) Compares the annual dorm cost with an apartment: monthly rent over the number of months, plus annual utilities, extra food cost, and commuting cost. Returns both annual totals, the difference, and which is cheaper. Use when a student compares annual dorm cost with renting an apartment. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Dorm vs Apartment calculator. Input parameters: - `apartment_monthly_rent` (number, required): Monthly apartment rent in USD. - `commute_annual` (number, required): Annual commuting cost for the apartment in USD. - `dorm_annual_cost` (number, required): Annual dorm cost in USD. - `food_extra_annual` (number, required): Annual extra food cost versus the dorm meal plan in USD. - `months` (number): Months of rent per year; default 12. - `utilities_annual` (number, required): Annual utilities cost for the apartment in USD. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_fafsa_sai_estimator` (~176 tokens) Simplified Student Aid Index estimate using the page formula: parent income at 22 percent plus parent assets at 12 percent, student income above the 11770 income protection allowance at 50 percent plus student assets at 20 percent, plus an estimated Pell Grant of 7395 minus the SAI, floored at zero. Use when the user estimates their FAFSA Student Aid Index. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive FAFSA SAI Estimator calculator. Input parameters: - `parent_assets` (number, required): Parent assets in USD. - `parent_income` (number, required): Parent yearly income in USD. - `student_assets` (number, required): Student assets in USD. - `student_income` (number, required): Student yearly income in USD. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_final_exam` (~154 tokens) Score needed on the final exam to reach a desired course grade, with the best and worst possible course grades. Inputs are clamped as on the page: grades to 0 to 100 and the final weight to 1 to 100. Use when the user asks what score they need on a final exam to reach a target course grade. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Final Exam calculator. Input parameters: - `current_grade_pct` (number, required): Current course grade percent. - `desired_grade_pct` (number, required): Desired final course grade percent. - `final_weight_pct` (number, required): Final exam weight percent of the course grade. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_gpa` (~202 tokens) Credit weighted GPA on the 4.0 scale using the page grade points: A+ and A 4.0, A- 3.7, B+ 3.3, B 3.0, B- 2.7, C+ 2.3, C 2.0, C- 1.7, D+ 1.3, D 1.0, F 0.0. Grades and credits are matched by position. Use when the user computes a GPA from course grades and credits. To plan grades for a target GPA use calculate_gpa_planner. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive GPA calculator. Input parameters: - `credits` (array, required): Comma-separated credit hours matching grades. - `grades` (array, required): Comma-separated letter grades, e.g. A,B+,A-,B. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_gpa_planner` (~148 tokens) Term GPA required over the planned credits to reach a target cumulative GPA, the maximum reachable cumulative GPA with straight As, and the grade mix the required GPA implies, using the page thresholds. Use when the user asks what term GPA they need to reach a target cumulative GPA. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive GPA Planner calculator. Input parameters: - `current_credits` (number, required): Credit hours already completed. - `current_gpa` (number, required): Current cumulative GPA. - `planned_credits` (number, required): Credit hours planned this term. - `target_gpa` (number, required): Target cumulative GPA. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_graduate_school_roi` (~149 tokens) Annual salary premium after a graduate degree, break-even years on the total cost, and lifetime net over the career years, using the page formulas. Use when the user weighs graduate school cost against the salary premium it brings. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Graduate School ROI calculator. Input parameters: - `career_years` (number): Career years after graduation; default 20. - `current_salary` (number, required): Current yearly salary in USD. - `post_degree_salary` (number, required): Expected yearly salary after the degree in USD. - `total_cost` (number, required): Total graduate degree cost in USD. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_gre_score_estimator` (~180 tokens) Estimated GRE verbal and quant scores on the 130 to 170 scale: 130 plus the fraction of questions correct times 40, per section, plus the total. The optional writing score is clamped to 0 to 6 as on the page. Use when the user estimates GRE verbal and quant scores from practice results. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive GRE Score Estimator calculator. Input parameters: - `quant_correct` (number, required): Quant questions answered correctly. - `quant_total` (number, required): Total quant questions. - `verbal_correct` (number, required): Verbal questions answered correctly. - `verbal_total` (number, required): Total verbal questions. - `writing_score` (number): Analytical writing score, 0 to 6; default 4. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_high_school_course_planner` (~179 tokens) Credits still needed per subject against the page requirement table for the selected state (Texas, California, New York, Florida, or Illinois). Remaining per subject is required minus earned, floored at zero. Use when the user checks remaining high school graduation credits by subject and state. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive High School Course Planner calculator. Input parameters: - `electives_credits` (number, required): Elective credits earned. - `english_credits` (number, required): English credits earned. - `math_credits` (number, required): Math credits earned. - `science_credits` (number, required): Science credits earned. - `social_credits` (number, required): Social studies credits earned. - `state` (string): State code for the requirement table; default TX. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_lsat_score_estimator` (~186 tokens) Estimated LSAT scaled score on the 120 to 180 scale: 120 plus the overall fraction correct across the three sections times 60, with accuracy and the page score band. Use when the user estimates an LSAT scaled score from practice section results. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive LSAT Score Estimator calculator. Input parameters: - `section1_correct` (number, required): Section 1 questions answered correctly. - `section1_total` (number, required): Total section 1 questions. - `section2_correct` (number, required): Section 2 questions answered correctly. - `section2_total` (number, required): Total section 2 questions. - `section3_correct` (number, required): Section 3 questions answered correctly. - `section3_total` (number, required): Total section 3 questions. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_mcat_score_estimator` (~215 tokens) Estimated MCAT section scores on the 118 to 132 scale: 118 plus the fraction correct times 14, per section, plus the total on the 472 to 528 scale. Use when the user estimates MCAT section scores from practice results. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive MCAT Score Estimator calculator. Input parameters: - `section1_correct` (number, required): Section 1 questions answered correctly. - `section1_total` (number, required): Total section 1 questions. - `section2_correct` (number, required): Section 2 questions answered correctly. - `section2_total` (number, required): Total section 2 questions. - `section3_correct` (number, required): Section 3 questions answered correctly. - `section3_total` (number, required): Total section 3 questions. - `section4_correct` (number, required): Section 4 questions answered correctly. - `section4_total` (number, required): Total section 4 questions. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_premed_course_planner` (~208 tokens) Progress across the 13 premed prerequisites on the page, in page order: General Chemistry I and II, Organic Chemistry I and II, Biology I and II, Physics I and II, Biochemistry, Psychology, Sociology, Statistics or Calculus, English (1 year). The first 11 are the MCAT core courses. Returns counts done, in progress, and planned, percent done, and whether all core courses are done. Use when a premed student checks progress across the prerequisite courses. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Premed Course Planner calculator. Input parameters: - `statuses` (array, required): Comma-separated status for each of the 13 prerequisites in page order, each one of not, plan, prog, done, e.g. done,done,not,not,done,done,not,not,not,done,not,not,done. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_psat_score` (~131 tokens) Estimated PSAT section scores: 160 plus the fraction correct times 600, using the page fixed totals of 48 questions per section, plus the total and the page percentile band. Use when the user estimates PSAT section scores from practice results. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive PSAT Score calculator. Input parameters: - `math_correct` (number, required): Math questions answered correctly, out of 48. - `reading_writing_correct` (number, required): Reading and writing questions answered correctly, out of 48. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_sat_score` (~133 tokens) Estimated SAT section scores: 200 plus the fraction correct times 600, using the page fixed totals of 54 reading and writing questions and 44 math questions, plus the total and the page competitiveness band. Use when the user estimates SAT section scores from practice results. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive SAT Score calculator. Input parameters: - `math_correct` (number, required): Math questions answered correctly, out of 44. - `reading_writing_correct` (number, required): Reading and writing questions answered correctly, out of 54. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_scholarship_roi_tracker` (~171 tokens) Expected value of a scholarship application (award times win probability, clamped to 0 to 100 percent) and its expected value per hour of work, with the page verdict comparing that rate with an hourly wage. Use when the user weighs whether a scholarship application is worth the time, or ranks several by expected value. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Scholarship ROI Tracker calculator. Input parameters: - `award_amount` (number, required): Scholarship award amount in USD. - `hourly_wage` (number, required): Hourly wage of the job the time could go to instead, in USD. - `hours` (number, required): Hours the application takes. - `win_probability_pct` (number, required): Estimated win probability percent. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_student_budget` (~211 tokens) Monthly budget from job, parent, and aid income against rent, food, books, transport, and fun spending. Returns total income, total expenses, the balance, and the largest category with its share of expenses. Use when a student builds a monthly budget from income against rent, food, books, transport and fun spending. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Student Budget calculator. Input parameters: - `aid_income` (number, required): Monthly financial aid income in USD. - `books` (number, required): Monthly books and supplies spending in USD. - `food` (number, required): Monthly food spending in USD. - `fun` (number, required): Monthly fun and entertainment spending in USD. - `job_income` (number, required): Monthly job income in USD. - `parent_contribution` (number, required): Monthly contribution from parents in USD. - `rent` (number, required): Monthly rent in USD. - `transport` (number, required): Monthly transport spending in USD. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_student_loan_payoff` (~195 tokens) Months to pay off a student loan and the total interest, computed month by month exactly as the page does. With an extra monthly payment, also returns the interest and months saved. Returns null fields and never_payoff true when the payment does not cover monthly interest. Payoff dates are not returned because the page derives them from the current date. Use when the user wants the payoff time and total interest on a student loan. For other loans use calculate_loan. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Student Loan Payoff calculator. Input parameters: - `apr_pct` (number, required): Annual percentage rate percent. - `balance` (number, required): Loan balance in USD. - `extra_payment` (number): Extra monthly payment in USD; default 100, the page default. - `monthly_payment` (number, required): Monthly payment in USD. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_textbook_cost` (~173 tokens) Net cost of buying new, buying used, renting, and digital for a textbook. Purchase options are reduced by the resale value (floored at zero), and the cheapest option is returned. Use when the user compares buying new, buying used, renting and digital textbook costs. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Textbook Cost calculator. Input parameters: - `buy_new_price` (number, required): Price to buy the book new in USD. - `buy_used_price` (number, required): Price to buy the book used in USD. - `digital_price` (number, required): Digital edition price in USD. - `rent_price` (number, required): Rental price in USD. - `resale_value` (number, required): Expected resale value after the term in USD. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ### `calculate_transfer_credit_planner` (~159 tokens) Credits remaining, terms remaining at the credits taken per term, years remaining at the terms per year, and credits per year. The graduation date label is not returned because the page derives it from the current date. Use when the user plans how transfer credits change their remaining time to degree. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Transfer Credit Planner calculator. Input parameters: - `completed_credits` (number, required): Credits already completed or transferred. - `credits_per_term` (number, required): Credits taken per term. - `required_credits` (number, required): Total credits required for the degree. - `terms_per_year` (number): Terms per year; default 2. Output parameters: - `calculator_url` (string): Deep link to the matching interactive calculator on everycalc.xyz. - `inputs` (object): The normalized inputs the calculation used. - `note` (string): Disclaimer that accompanies every result. - `ok` (boolean): True when the calculation succeeded. - `results` (object): The computed figures for this calculator. - `tool` (string): Name of the tool that ran. ## Diagnostics Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/xyz-everycalc-every-calc/everycalc#diagnostics ## Score history - 2026-11-05: 75 - 2026-11-04: 74 - 2026-11-03: 74 - 2026-11-02: 73 - 2026-11-01: 73 - 2026-10-31: 73 - 2026-10-30: 72 - 2026-10-29: 70 - 2026-10-28: 70 - 2026-10-27: 69 - 2026-10-26: 65 - 2026-10-25: 64 - 2026-10-24: 64 - 2026-10-23: 63 - 2026-10-22: 63 - 2026-10-21: 62 - 2026-10-20: 62 ## Common questions ### What is the EveryCalc MCP server? EveryCalc is an MCP server listed in the public MCP registry as xyz.everycalc/every-calc. 69 free finance, military, school and everyday calculators as MCP tools. This page covers its hosted endpoint (https://everycalc.xyz/mcp). ### Is the EveryCalc MCP server safe to use? EveryCalc scores 75 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 EveryCalc MCP server expose? EveryCalc exposes 69 tools: calculate_mortgage, calculate_refinance, calculate_affordability, calculate_loan, calculate_compound_interest, and 64 more. Their descriptions and schemas cost roughly 12,944 tokens of context every time the server is loaded. ### Does the EveryCalc MCP server require authentication? No. We connected to EveryCalc without credentials and it answered, so anything it exposes is reachable by anyone who knows the address. ### Is the EveryCalc MCP server still maintained? EveryCalc 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. ### What did VerifyMCP test on the EveryCalc MCP server? VerifyMCP ran 13 checks on EveryCalc, covering TLS certificate, Authorization, HTTPS, HSTS header and 9 more. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out. ## Links - Remote endpoint: https://everycalc.xyz/mcp - Repository: https://github.com/xOyabunx/everycalc - Website: https://everycalc.xyz/ - Changelog RSS feed: https://verifymcp.io/servers/xyz-everycalc-every-calc/everycalc.xml - Changelog JSON feed: https://verifymcp.io/servers/xyz-everycalc-every-calc/everycalc/changelog.json - Trust report (JSON): https://verifymcp.io/servers/xyz-everycalc-every-calc/everycalc.json - HTML version of this page: https://verifymcp.io/servers/xyz-everycalc-every-calc/everycalc