{ "schema_version": "0.1", "name": "AI Fin Hub — Tools", "description": "25 AI-in-markets tools (calculators, comparators, playgrounds, generators, directories) + 97 legacy personal-finance calculators. Client-side only; BYO API key where LLM calls are involved.", "tools": [ { "name": "kelly_sizer", "description": "Map conviction tiers to fractional Kelly bet sizes with a drawdown Monte Carlo simulator. Client-side. Private by default.", "url": "https://aifinhub.io/tools/kelly-sizer/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "win_probability": { "type": "number" }, "win_loss_ratio": { "type": "number" }, "kelly_fraction": { "type": "number" }, "bankroll": { "type": "number" }, "per_trade_cap_percent": { "type": "number" }, "monte_carlo_trials": { "type": "integer" }, "trades_per_path": { "type": "integer" } }, "required": [ "tool", "win_probability", "win_loss_ratio", "kelly_fraction", "bankroll", "per_trade_cap_percent", "monte_carlo_trials", "trades_per_path" ] } }, { "name": "backtest_overfitting_score", "description": "Upload a backtest trade log and compute Probability of Backtest Overfitting (PBO), Deflated Sharpe Ratio, and the odds your edge survives live trading.", "url": "https://aifinhub.io/tools/backtest-overfitting-score/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "returns_csv_header": { "type": "string" }, "variants_count": { "type": "integer" }, "trading_days": { "type": "integer" }, "best_variant_sharpe": { "type": "number" }, "cscv_splits": { "type": "integer" } }, "required": [ "tool", "returns_csv_header", "variants_count", "trading_days", "best_variant_sharpe", "cscv_splits" ] } }, { "name": "data_vendor_tco", "description": "Compute annual cost of market data across Databento, Polygon, Alpaca, Tiingo, FMP, and Alpha Vantage for your exact universe, bar resolution, history depth, and API call volume.", "url": "https://aifinhub.io/tools/data-vendor-tco/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "symbol_count": { "type": "integer" }, "bar_resolution": { "type": "string", "enum": [ "tick", "1s", "1m", "5m", "1h", "1d" ] }, "years_history": { "type": "number" }, "include_l2_book": { "type": "boolean" }, "api_calls_per_day": { "type": "integer" }, "vendors": { "type": "array", "items": { "type": "string" } } }, "required": [ "tool", "symbol_count", "bar_resolution", "years_history", "include_l2_book", "api_calls_per_day", "vendors" ] } }, { "name": "finance_mcp_directory", "description": "Security-graded catalog of finance MCP servers — Alpaca, Polygon, Databento, IBKR, Tradier, Tiingo, NautilusTrader. Scope, auth, idempotency, transport, schema quality, all in one place.", "url": "https://aifinhub.io/tools/finance-mcp-directory/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "filter_by_venue": { "type": "string" }, "filter_by_scope": { "type": "string" }, "min_security_grade": { "type": "string", "enum": [ "A", "B", "C", "D", "F" ] } }, "required": [ "tool" ] } }, { "name": "token_cost_optimizer", "description": "Compute the dollar cost of a trading research loop across Claude, GPT, and Gemini. Prompt length × model × retry × call volume → cost per idea and per validated trade.", "url": "https://aifinhub.io/tools/token-cost-optimizer/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "prompt_input_tokens": { "type": "integer" }, "prompt_output_tokens": { "type": "integer" }, "model": { "type": "string" }, "calls_per_idea": { "type": "integer" }, "retry_rate": { "type": "number" }, "ideas_per_day": { "type": "integer" }, "days_per_month": { "type": "integer" } }, "required": [ "tool", "prompt_input_tokens", "prompt_output_tokens", "model", "calls_per_idea", "retry_rate", "ideas_per_day", "days_per_month" ] } }, { "name": "agent_skill_tester", "description": "Paste a SKILL.md definition + sample input + your Anthropic API key. See structured extraction, token cost, and latency — all in your browser. No signup, key never leaves the page.", "url": "https://aifinhub.io/tools/agent-skill-tester/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "skill_md": { "type": "string" }, "sample_input_text": { "type": "string" }, "model": { "type": "string" }, "max_output_tokens": { "type": "integer" }, "anthropic_api_key": { "type": "string" } }, "required": [ "tool", "skill_md", "sample_input_text", "model", "max_output_tokens", "anthropic_api_key" ] } }, { "name": "prompt_regression_tester", "description": "Run the same prompt against multiple models (Claude 4.5/4.6/4.7, GPT-5, Gemini 2.5) with your own keys. Diff outputs, score drift, catch regressions before they hit your production agent.", "url": "https://aifinhub.io/tools/prompt-regression-tester/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "prompt": { "type": "string" }, "models": { "type": "array", "items": { "type": "string" } }, "anthropic_api_key": { "type": "string" }, "openai_api_key": { "type": "string" }, "google_api_key": { "type": "string" }, "runs_per_model": { "type": "integer" } }, "required": [ "tool", "prompt", "models", "runs_per_model" ] } }, { "name": "hallucination_detector", "description": "Paste a source document + an LLM's extraction. Every numeric claim in the output is checked against the source. Client-side. Catches silent fabrication before it ends up in your pipeline.", "url": "https://aifinhub.io/tools/hallucination-detector/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "source_document": { "type": "string" }, "llm_output": { "type": "string" }, "strict_mode": { "type": "boolean" } }, "required": [ "tool", "source_document", "llm_output", "strict_mode" ] } }, { "name": "kalshi_poly_arb", "description": "Daily-refreshed scan of arbitrage candidates across Kalshi and Polymarket. Paired contract matching, tax + resolution-risk overlay, no signup. Edge data rendered client-side from static JSON.", "url": "https://aifinhub.io/tools/kalshi-poly-arb/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "min_edge_bps": { "type": "number" }, "max_tax_haircut_percent": { "type": "number" }, "include_resolution_risk_flags": { "type": "boolean" }, "venues": { "type": "array", "items": { "type": "string" } } }, "required": [ "tool", "min_edge_bps", "max_tax_haircut_percent", "include_resolution_risk_flags", "venues" ] } }, { "name": "order_book_replay", "description": "Drop a Level-2 CSV and watch the book reconstruct tick by tick. Animated depth bars, best bid/ask, spread over time. Understand microstructure before you design your strategy.", "url": "https://aifinhub.io/tools/order-book-replay/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "csv_header": { "type": "string" }, "playback_speed_multiplier": { "type": "number" }, "max_levels_rendered": { "type": "integer" }, "focus_symbol": { "type": "string" } }, "required": [ "tool", "csv_header", "playback_speed_multiplier", "max_levels_rendered", "focus_symbol" ] } }, { "name": "calibration_dojo", "description": "Train your probabilistic intuition. Answer binary forecasting questions at any confidence level; track Brier score and reliability curve over time. All state stored locally.", "url": "https://aifinhub.io/tools/calibration-dojo/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "session_length_questions": { "type": "integer" }, "difficulty": { "type": "string", "enum": [ "easy", "medium", "hard" ] }, "domain_filter": { "type": "string" } }, "required": [ "tool", "session_length_questions", "difficulty", "domain_filter" ] } }, { "name": "trading_system_blueprinter", "description": "Pick your data source, LLM, broker, storage, risk engine, and logger. Get a Mermaid architecture diagram, a starter repo scaffold (ZIP), and a list of open-source integrations that actually compose.", "url": "https://aifinhub.io/tools/trading-system-blueprinter/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "data_source": { "type": "string" }, "llm_provider": { "type": "string" }, "broker": { "type": "string" }, "storage": { "type": "string" }, "risk_engine": { "type": "string" }, "logger": { "type": "string" } }, "required": [ "tool", "data_source", "llm_provider", "broker", "storage", "risk_engine", "logger" ] } }, { "name": "risk_adjusted_returns", "description": "Paste a returns CSV. Sharpe, Sortino, Calmar, Omega, alpha, beta, tracking error, information ratio, max drawdown, and tail moments — plus a benchmark-relative block when you include one.", "url": "https://aifinhub.io/tools/risk-adjusted-returns/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "returns_csv_header": { "type": "string" }, "periods_per_year": { "type": "integer" }, "risk_free_rate_annual": { "type": "number" }, "mar_annual": { "type": "number" } }, "required": [ "tool", "returns_csv_header", "periods_per_year", "risk_free_rate_annual", "mar_annual" ] } }, { "name": "walk_forward_validator", "description": "Upload a returns CSV. Rolling or expanding IS/OOS windows, per-window Sharpe, walk-forward efficiency, and a concatenated OOS equity curve. Catches regime decay that PBO alone misses.", "url": "https://aifinhub.io/tools/walk-forward-validator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "returns_csv_header": { "type": "string" }, "window_mode": { "type": "string", "enum": [ "rolling", "expanding" ] }, "is_window_days": { "type": "integer" }, "oos_window_days": { "type": "integer" }, "step_days": { "type": "integer" }, "periods_per_year": { "type": "integer" } }, "required": [ "tool", "returns_csv_header", "window_mode", "is_window_days", "oos_window_days", "step_days", "periods_per_year" ] } }, { "name": "options_greeks_explorer", "description": "Black-Scholes pricer + live Greeks visualizer. Drag spot, strike, vol, DTE, rate, dividend yield — see delta, gamma, theta, vega, rho update with the payoff curve. Call + put.", "url": "https://aifinhub.io/tools/options-greeks-explorer/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "option_type": { "type": "string", "enum": [ "call", "put" ] }, "spot": { "type": "number" }, "strike": { "type": "number" }, "annual_vol": { "type": "number" }, "days_to_expiry": { "type": "integer" }, "risk_free_rate": { "type": "number" }, "dividend_yield": { "type": "number" } }, "required": [ "tool", "option_type", "spot", "strike", "annual_vol", "days_to_expiry", "risk_free_rate", "dividend_yield" ] } }, { "name": "correlation_matrix_visualizer", "description": "Paste a multi-asset returns CSV. See the Pearson correlation heatmap, condition number, average absolute correlation, and eigenvalue concentration — the diagnostics for detecting redundant strategies before you allocate capital.", "url": "https://aifinhub.io/tools/correlation-matrix-visualizer/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "returns_csv_header": { "type": "string" }, "min_observations": { "type": "integer" }, "max_columns_rendered": { "type": "integer" } }, "required": [ "tool", "returns_csv_header", "min_observations", "max_columns_rendered" ] } }, { "name": "returns_distribution_analyzer", "description": "Paste a returns CSV. Histogram, normal-overlay, QQ plot, skewness, excess kurtosis, Jarque-Bera test, tail-weight index. See why Sharpe alone misleads when your distribution has fat tails.", "url": "https://aifinhub.io/tools/returns-distribution-analyzer/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "returns_csv_header": { "type": "string" }, "histogram_bins": { "type": "integer" }, "tail_sigma_threshold": { "type": "number" } }, "required": [ "tool", "returns_csv_header", "histogram_bins", "tail_sigma_threshold" ] } }, { "name": "price_blind_auditor", "description": "Paste a research prompt or agent context bundle. The auditor flags price numbers, directional words, and outcome-leaking phrases that cause LLMs to retroactively rationalize positions. Builds a price-blind research boundary.", "url": "https://aifinhub.io/tools/price-blind-auditor/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "prompt_text": { "type": "string" }, "include_low_severity": { "type": "boolean" } }, "required": [ "tool", "prompt_text", "include_low_severity" ] } }, { "name": "prompt_injection_tester", "description": "Red-team a finance agent against 24 documented prompt-injection attacks — direct override, role confusion, indirect injection via retrieved content, jailbreak patterns, tool-call hijack. BYO key; runs client-side against your live model.", "url": "https://aifinhub.io/tools/prompt-injection-tester/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "provider": { "type": "string", "enum": [ "anthropic", "openai", "google" ] }, "model": { "type": "string" }, "api_key": { "type": "string" }, "target_system_prompt": { "type": "string" }, "include_categories": { "type": "array", "items": { "type": "string" } } }, "required": [ "tool", "provider", "model", "api_key", "target_system_prompt", "include_categories" ] } }, { "name": "efficient_frontier_builder", "description": "Paste a multi-asset returns CSV. See the Markowitz mean-variance frontier, the minimum-variance portfolio, the max-Sharpe (tangency) portfolio, and the per-asset weights for each highlighted point. Closed-form solution, client-side.", "url": "https://aifinhub.io/tools/efficient-frontier-builder/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "returns_csv_header": { "type": "string" }, "risk_free_rate_annual": { "type": "number" }, "periods_per_year": { "type": "integer" }, "frontier_steps": { "type": "integer" }, "short_selling_allowed": { "type": "boolean" } }, "required": [ "tool", "returns_csv_header", "risk_free_rate_annual", "periods_per_year", "frontier_steps", "short_selling_allowed" ] } }, { "name": "options_payoff_builder", "description": "Build 1–4 leg option strategies. Pick call/put, long/short, strike, and contracts. See the at-expiry payoff diagram, break-even points, maximum profit and loss, and the aggregated Greeks at current spot. Presets for straddle, strangle, iron condor, spreads, butterfly.", "url": "https://aifinhub.io/tools/options-payoff-builder/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "spot": { "type": "number" }, "annual_vol": { "type": "number" }, "days_to_expiry": { "type": "integer" }, "risk_free_rate": { "type": "number" }, "dividend_yield": { "type": "number" }, "legs": { "type": "array", "items": { "type": "object", "properties": { "side": { "type": "string", "enum": [ "long", "short" ] }, "option_type": { "type": "string", "enum": [ "call", "put" ] }, "strike": { "type": "number" }, "contracts": { "type": "integer" } } } } }, "required": [ "tool", "spot", "annual_vol", "days_to_expiry", "risk_free_rate", "dividend_yield", "legs" ] } }, { "name": "pair_trading_tester", "description": "Paste two price series. Engle-Granger cointegration test: OLS hedge ratio, Augmented Dickey-Fuller on residuals, Ornstein-Uhlenbeck half-life, z-score time series with configurable entry/exit bands. Everything client-side.", "url": "https://aifinhub.io/tools/pair-trading-tester/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "prices_csv_header": { "type": "string" }, "adf_lags": { "type": "integer" }, "z_window": { "type": "integer" }, "entry_z": { "type": "number" }, "exit_z": { "type": "number" } }, "required": [ "tool", "prices_csv_header", "adf_lags", "z_window", "entry_z", "exit_z" ] } }, { "name": "execution_simulator", "description": "Square-root impact + linear temporary impact + latency jitter. See the real slippage of any trade size before you route it.", "url": "https://aifinhub.io/tools/execution-simulator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "side": { "type": "string", "enum": [ "buy", "sell" ] }, "order_size_shares": { "type": "number" }, "adv_shares": { "type": "number" }, "spread_bps": { "type": "number" }, "daily_vol_pct": { "type": "number" }, "participation_pct": { "type": "number" }, "latency_ms": { "type": "number" }, "latency_jitter_ms": { "type": "number" }, "reference_price_usd": { "type": "number" } }, "required": [ "tool", "side", "order_size_shares", "adv_shares", "spread_bps", "daily_vol_pct", "participation_pct" ] } }, { "name": "broker_api_comparator", "description": "Compare Alpaca, IBKR, Tradier, Schwab, Robinhood on authentication, rate limits, order types, market data, MCP availability, and fees.", "url": "https://aifinhub.io/tools/broker-api-comparator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "must_support": { "type": "array", "items": { "type": "string", "enum": [ "stocks", "options", "futures", "crypto", "forex", "bonds" ] } }, "mcp_required": { "type": "boolean" }, "free_tier_required": { "type": "boolean" }, "max_auth_complexity": { "type": "integer", "minimum": 1, "maximum": 5 } }, "required": [ "tool" ] } }, { "name": "synthetic_market_data_generator", "description": "Generate synthetic price series — geometric Brownian motion, GARCH(1,1) with volatility clustering, regime-switching bull/bear, or copula-linked pairs. Download CSV/JSON for backtest scaffolding.", "url": "https://aifinhub.io/tools/synthetic-market-data-generator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "model": { "type": "string", "enum": [ "gbm", "garch", "regime", "pair" ] }, "seed": { "type": "integer" }, "starting_price_usd": { "type": "number" }, "annualized_drift_pct": { "type": "number" }, "annualized_vol_pct": { "type": "number" }, "days": { "type": "integer" }, "trading_days_per_year": { "type": "integer" }, "garch_omega": { "type": "number" }, "garch_alpha": { "type": "number" }, "garch_beta": { "type": "number" }, "bull_drift_pct": { "type": "number" }, "bear_drift_pct": { "type": "number" }, "p_bull_to_bear": { "type": "number" }, "p_bear_to_bull": { "type": "number" }, "rho": { "type": "number", "minimum": -1, "maximum": 1 } }, "required": [ "tool", "model", "days" ] } }, { "name": "compound_interest", "description": "Project compounding growth with inflation-adjusted values and milestone timing.", "url": "https://aifinhub.io/compound-interest-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "initial_principal": { "type": "integer" }, "monthly_contribution": { "type": "integer" }, "annual_return_percent": { "type": "integer" }, "years": { "type": "integer" }, "annual_inflation_percent": { "type": "number" }, "comparison_monthly_contribution": { "type": "integer" }, "comparison_annual_return_percent": { "type": "integer" } }, "required": [ "tool", "initial_principal", "monthly_contribution", "annual_return_percent", "years", "annual_inflation_percent", "comparison_monthly_contribution", "comparison_annual_return_percent" ] } }, { "name": "mortgage_affordability", "description": "Estimate comfortable and maximum home-price ranges from income and debt.", "url": "https://aifinhub.io/mortgage-affordability-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "annual_income": { "type": "integer" }, "down_payment": { "type": "integer" }, "monthly_debt_payments": { "type": "integer" }, "max_dti_percent": { "type": "integer" }, "mortgage_rate_percent": { "type": "number" }, "loan_term_years": { "type": "integer" }, "property_tax_rate_percent": { "type": "number" }, "annual_home_insurance": { "type": "integer" }, "hoa_monthly": { "type": "integer" } }, "required": [ "tool", "annual_income", "down_payment", "monthly_debt_payments", "max_dti_percent", "mortgage_rate_percent", "loan_term_years", "property_tax_rate_percent", "annual_home_insurance", "hoa_monthly" ] } }, { "name": "mortgage_payment_amortization", "description": "Estimate monthly housing cost and full-term interest from principal, tax, insurance, and HOA assumptions.", "url": "https://aifinhub.io/mortgage-payment-amortization-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "home_price": { "type": "integer" }, "down_payment_percent": { "type": "integer" }, "annual_rate_percent": { "type": "number" }, "loan_term_years": { "type": "integer" }, "annual_property_tax_percent": { "type": "number" }, "annual_home_insurance": { "type": "integer" }, "hoa_monthly": { "type": "integer" } }, "required": [ "tool", "home_price", "down_payment_percent", "annual_rate_percent", "loan_term_years", "annual_property_tax_percent", "annual_home_insurance", "hoa_monthly" ] } }, { "name": "rent_vs_buy_break_even", "description": "See when buying pulls ahead of renting after equity, monthly cost, and invested cash are all counted.", "url": "https://aifinhub.io/rent-vs-buy-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "home_price": { "type": "integer" }, "down_payment_percent": { "type": "integer" }, "mortgage_rate_percent": { "type": "integer" }, "loan_term_years": { "type": "integer" }, "monthly_rent": { "type": "integer" }, "rent_growth_percent": { "type": "integer" }, "home_appreciation_percent": { "type": "integer" }, "property_tax_percent": { "type": "number" }, "annual_home_insurance": { "type": "integer" }, "annual_maintenance_percent": { "type": "integer" }, "hoa_monthly": { "type": "integer" }, "closing_costs_percent": { "type": "integer" }, "selling_costs_percent": { "type": "integer" }, "investment_return_percent": { "type": "integer" }, "analysis_years": { "type": "integer" } }, "required": [ "tool", "home_price", "down_payment_percent", "mortgage_rate_percent", "loan_term_years", "monthly_rent", "rent_growth_percent", "home_appreciation_percent", "property_tax_percent", "annual_home_insurance", "annual_maintenance_percent", "hoa_monthly", "closing_costs_percent", "selling_costs_percent", "investment_return_percent", "analysis_years" ] } }, { "name": "fire_calculator", "description": "See how long financial independence could take and how sensitive the plan is to savings and returns.", "url": "https://aifinhub.io/fire-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "current_age": { "type": "integer" }, "current_portfolio": { "type": "integer" }, "annual_spending": { "type": "integer" }, "annual_savings": { "type": "integer" }, "expected_return_percent": { "type": "integer" }, "volatility_percent": { "type": "integer" }, "inflation_percent": { "type": "number" }, "withdrawal_rate_percent": { "type": "integer" }, "horizon_years": { "type": "integer" } }, "required": [ "tool", "current_age", "current_portfolio", "annual_spending", "annual_savings", "expected_return_percent", "volatility_percent", "inflation_percent", "withdrawal_rate_percent", "horizon_years" ] } }, { "name": "retirement_savings", "description": "Model retirement targets, coast checkpoints, and contribution gaps.", "url": "https://aifinhub.io/retirement-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "current_age": { "type": "integer" }, "retirement_age": { "type": "integer" }, "current_savings": { "type": "integer" }, "annual_contribution": { "type": "integer" }, "annual_return_percent": { "type": "integer" }, "annual_inflation_percent": { "type": "number" }, "desired_annual_spending": { "type": "integer" }, "social_security_annual": { "type": "integer" }, "withdrawal_rate_percent": { "type": "integer" } }, "required": [ "tool", "current_age", "retirement_age", "current_savings", "annual_contribution", "annual_return_percent", "annual_inflation_percent", "desired_annual_spending", "social_security_annual", "withdrawal_rate_percent" ] } }, { "name": "roth_vs_traditional_ira", "description": "Compare after-tax retirement outcomes with configurable current and future tax assumptions.", "url": "https://aifinhub.io/roth-vs-traditional-ira-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "annual_contribution_budget": { "type": "integer" }, "current_tax_rate_percent": { "type": "integer" }, "retirement_tax_rate_percent": { "type": "integer" }, "years": { "type": "integer" }, "annual_return_percent": { "type": "integer" } }, "required": [ "tool", "annual_contribution_budget", "current_tax_rate_percent", "retirement_tax_rate_percent", "years", "annual_return_percent" ] } }, { "name": "employer_match_optimizer", "description": "Find how much employer match you capture and how much long-term value is left unclaimed.", "url": "https://aifinhub.io/401k-employer-match-optimizer/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "salary": { "type": "integer" }, "employee_contribution_percent": { "type": "integer" }, "employer_match_percent": { "type": "integer" }, "employer_match_limit_percent": { "type": "integer" }, "annual_return_percent": { "type": "integer" }, "years": { "type": "integer" } }, "required": [ "tool", "salary", "employee_contribution_percent", "employer_match_percent", "employer_match_limit_percent", "annual_return_percent", "years" ] } }, { "name": "net_worth", "description": "Calculate net worth, debt ratio, and snapshot trends in one view.", "url": "https://aifinhub.io/net-worth-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "assets": { "type": "object", "properties": { "cash": { "type": "integer" }, "investments": { "type": "integer" }, "retirement": { "type": "integer" }, "real_estate": { "type": "integer" }, "vehicles": { "type": "integer" }, "other_assets": { "type": "integer" } }, "required": [ "cash", "investments", "retirement", "real_estate", "vehicles", "other_assets" ] }, "liabilities": { "type": "object", "properties": { "mortgage": { "type": "integer" }, "student_loans": { "type": "integer" }, "auto_loans": { "type": "integer" }, "credit_cards": { "type": "integer" }, "other_debt": { "type": "integer" } }, "required": [ "mortgage", "student_loans", "auto_loans", "credit_cards", "other_debt" ] }, "monthly_contribution": { "type": "integer" }, "monthly_debt_paydown": { "type": "integer" }, "annual_return_percent": { "type": "integer" }, "annual_real_estate_appreciation_percent": { "type": "number" }, "projection_months": { "type": "integer" } }, "required": [ "tool", "assets", "liabilities", "monthly_contribution", "monthly_debt_paydown", "annual_return_percent", "annual_real_estate_appreciation_percent", "projection_months" ] } }, { "name": "savings_goal", "description": "Calculate monthly savings needed to reach a target by your chosen date.", "url": "https://aifinhub.io/savings-goal-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "goal_amount": { "type": "integer" }, "current_savings": { "type": "integer" }, "target_date_months": { "type": "integer" }, "expected_annual_return": { "type": "integer" } }, "required": [ "tool", "goal_amount", "current_savings", "target_date_months", "expected_annual_return" ] } }, { "name": "inflation_impact", "description": "Measure purchasing-power erosion and salary-growth gaps over time.", "url": "https://aifinhub.io/inflation-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "mode": { "type": "string" }, "amount": { "type": "integer" }, "from_year": { "type": "integer" }, "to_year": { "type": "integer" }, "custom_annual_inflation_percent": { "type": "integer" }, "salary_today": { "type": "integer" }, "salary_growth_percent": { "type": "number" } }, "required": [ "tool", "mode", "amount", "from_year", "to_year", "custom_annual_inflation_percent", "salary_today", "salary_growth_percent" ] } }, { "name": "real_raise", "description": "See whether your raise beats inflation and how your real purchasing power changes over time.", "url": "https://aifinhub.io/real-raise-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "current_salary": { "type": "integer" }, "raise_percent": { "type": "integer" }, "inflation_percent": { "type": "number" }, "years": { "type": "integer" } }, "required": [ "tool", "current_salary", "raise_percent", "inflation_percent", "years" ] } }, { "name": "investment_fee_impact", "description": "Compare fee-ratio scenarios and quantify long-term compounding drag.", "url": "https://aifinhub.io/investment-fee-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "initial_investment": { "type": "integer" }, "annual_contribution": { "type": "integer" }, "years": { "type": "integer" }, "gross_return_percent": { "type": "integer" }, "expense_ratio_a": { "type": "number" }, "expense_ratio_b": { "type": "number" } }, "required": [ "tool", "initial_investment", "annual_contribution", "years", "gross_return_percent", "expense_ratio_a", "expense_ratio_b" ] } }, { "name": "loan_payoff", "description": "Compare baseline and accelerated payoff plans with interest-savings visibility.", "url": "https://aifinhub.io/loan-payoff-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "principal": { "type": "integer" }, "annual_rate_percent": { "type": "number" }, "monthly_payment": { "type": "integer" }, "extra_monthly_payment": { "type": "integer" }, "lump_sum_payment": { "type": "integer" } }, "required": [ "tool", "principal", "annual_rate_percent", "monthly_payment", "extra_monthly_payment", "lump_sum_payment" ] } }, { "name": "debt_payoff_strategy", "description": "Compare snowball, avalanche, and hybrid debt plans with timeline impact.", "url": "https://aifinhub.io/debt-payoff-strategy-planner/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "debts": { "type": "array", "items": { "type": "object", "properties": { "id": { "type": "string" }, "name": { "type": "string" }, "balance": { "type": "integer" }, "apr_percent": { "type": "number" }, "minimum_payment": { "type": "integer" } }, "required": [ "id", "name", "balance", "apr_percent", "minimum_payment" ] } }, "extra_monthly_payment": { "type": "integer" }, "strategy": { "type": "string" }, "payoff_priority_order": { "type": "array", "items": { "type": "string" } }, "start_year": { "type": "integer" }, "start_month": { "type": "integer" } }, "required": [ "tool", "debts", "extra_monthly_payment", "strategy", "payoff_priority_order", "start_year", "start_month" ] } }, { "name": "debt_to_income", "description": "Calculate front-end and back-end DTI plus borrowing capacity.", "url": "https://aifinhub.io/debt-to-income-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "gross_monthly_income": { "type": "integer" }, "housing_payment": { "type": "integer" }, "other_debt_payments": { "type": "integer" }, "preferred_max_dti_percent": { "type": "integer" }, "mortgage_rate_percent": { "type": "number" }, "mortgage_term_years": { "type": "integer" } }, "required": [ "tool", "gross_monthly_income", "housing_payment", "other_debt_payments", "preferred_max_dti_percent", "mortgage_rate_percent", "mortgage_term_years" ] } }, { "name": "debt_consolidation", "description": "Compare a consolidation loan against your current debt stack by payment, payoff speed, and total cost.", "url": "https://aifinhub.io/debt-consolidation-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "debt_balance": { "type": "integer" }, "weighted_apr_percent": { "type": "integer" }, "current_monthly_payment": { "type": "integer" }, "new_apr_percent": { "type": "number" }, "origination_fee_percent": { "type": "integer" }, "new_term_months": { "type": "integer" } }, "required": [ "tool", "debt_balance", "weighted_apr_percent", "current_monthly_payment", "new_apr_percent", "origination_fee_percent", "new_term_months" ] } }, { "name": "student_loan_repayment", "description": "Model baseline and accelerated repayment paths with autopay discounts and extra payments.", "url": "https://aifinhub.io/student-loan-repayment-planner/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "principal": { "type": "integer" }, "apr_percent": { "type": "number" }, "monthly_payment": { "type": "integer" }, "extra_payment": { "type": "integer" }, "autopay_discount_percent": { "type": "number" } }, "required": [ "tool", "principal", "apr_percent", "monthly_payment", "extra_payment", "autopay_discount_percent" ] } }, { "name": "hysa_vs_debt_paydown", "description": "Decide whether to keep cash in savings or pay down debt by comparing after-tax yield vs APR drag.", "url": "https://aifinhub.io/hysa-vs-debt-paydown-optimizer/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "cash_balance": { "type": "integer" }, "hysa_apy_percent": { "type": "number" }, "debt_balance": { "type": "integer" }, "debt_apr_percent": { "type": "integer" }, "horizon_months": { "type": "integer" }, "marginal_tax_rate_percent": { "type": "integer" } }, "required": [ "tool", "cash_balance", "hysa_apy_percent", "debt_balance", "debt_apr_percent", "horizon_months", "marginal_tax_rate_percent" ] } }, { "name": "balance_transfer_break_even", "description": "Check if a balance transfer saves money after fees and promo timing.", "url": "https://aifinhub.io/balance-transfer-break-even-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "current_balance": { "type": "integer" }, "current_apr": { "type": "number" }, "current_monthly_payment": { "type": "integer" }, "transfer_fee_percent": { "type": "integer" }, "transfer_fee_min": { "type": "integer" }, "intro_apr": { "type": "integer" }, "intro_months": { "type": "integer" }, "post_intro_apr": { "type": "number" }, "approved_transfer_amount": { "type": "integer" }, "days_until_transfer": { "type": "integer" } }, "required": [ "tool", "current_balance", "current_apr", "current_monthly_payment", "transfer_fee_percent", "transfer_fee_min", "intro_apr", "intro_months", "post_intro_apr", "approved_transfer_amount", "days_until_transfer" ] } }, { "name": "bnpl_stack_true_cost", "description": "See when stacked BNPL plans get risky and what they really cost if payments slip.", "url": "https://aifinhub.io/bnpl-stacking-true-cost-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "plans": { "type": "array", "items": { "type": "object", "properties": { "amount": { "type": "integer" }, "installment_count": { "type": "integer" }, "frequency_days": { "type": "integer" }, "start_date": { "type": "string" }, "late_fee": { "type": "integer" }, "grace_days": { "type": "integer" } }, "required": [ "amount", "installment_count", "frequency_days", "start_date", "late_fee", "grace_days" ] } }, "monthly_take_home": { "type": "integer" }, "fixed_monthly_expenses": { "type": "integer" }, "paycheck_dates": { "type": "array", "items": { "type": "string" } } }, "required": [ "tool", "plans", "monthly_take_home", "fixed_monthly_expenses", "paycheck_dates" ] } }, { "name": "medical_bill_payment_path", "description": "Compare discounts, provider plans, and financing so you can pick the cheapest path with the least pain.", "url": "https://aifinhub.io/medical-bill-payment-path-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "bill_amount": { "type": "integer" }, "cash_discount_percent": { "type": "integer" }, "provider_plan_months": { "type": "integer" }, "provider_plan_fees": { "type": "integer" }, "card_or_loan_apr": { "type": "integer" }, "card_or_loan_term_months": { "type": "integer" }, "monthly_budget_available": { "type": "integer" }, "emergency_cash_buffer": { "type": "integer" } }, "required": [ "tool", "bill_amount", "cash_discount_percent", "provider_plan_months", "provider_plan_fees", "card_or_loan_apr", "card_or_loan_term_months", "monthly_budget_available", "emergency_cash_buffer" ] } }, { "name": "emergency_fund", "description": "Set personalized emergency-fund targets and timeline to reach safety levels.", "url": "https://aifinhub.io/emergency-fund-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "monthly_essential_expenses": { "type": "integer" }, "current_emergency_fund": { "type": "integer" }, "monthly_savings_capacity": { "type": "integer" }, "dependents_count": { "type": "integer" }, "job_stability_score": { "type": "integer" }, "deductible_exposure": { "type": "integer" } }, "required": [ "tool", "monthly_essential_expenses", "current_emergency_fund", "monthly_savings_capacity", "dependents_count", "job_stability_score", "deductible_exposure" ] } }, { "name": "emergency_fund_runway", "description": "Estimate emergency runway under stress and how long rebuild will take.", "url": "https://aifinhub.io/emergency-fund-runway-planner/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "liquid_reserves": { "type": "integer" }, "essential_monthly_expenses": { "type": "integer" }, "baseline_monthly_income": { "type": "integer" }, "monthly_savings_capacity": { "type": "integer" }, "target_runway_months": { "type": "integer" }, "income_loss_percent": { "type": "integer" }, "expense_spike_percent": { "type": "integer" }, "shock_duration_months": { "type": "integer" } }, "required": [ "tool", "liquid_reserves", "essential_monthly_expenses", "baseline_monthly_income", "monthly_savings_capacity", "target_runway_months", "income_loss_percent", "expense_spike_percent", "shock_duration_months" ] } }, { "name": "income_smoothing_buffer", "description": "Turn irregular income into a steady monthly paycheck with buffer planning.", "url": "https://aifinhub.io/variable-income-buffer-paycheck-smoothing-planner/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "monthly_income_history": { "type": "array", "items": { "type": "integer" } }, "monthly_non_negotiable_expenses": { "type": "integer" }, "desired_monthly_draw": { "type": "integer" }, "confidence_target": { "type": "integer" }, "current_buffer_balance": { "type": "integer" }, "outlier_trim_mode": { "type": "boolean" } }, "required": [ "tool", "monthly_income_history", "monthly_non_negotiable_expenses", "desired_monthly_draw", "confidence_target", "current_buffer_balance", "outlier_trim_mode" ] } }, { "name": "rent_move_break_even", "description": "See when staying costs more than moving with clear horizon totals.", "url": "https://aifinhub.io/rent-increase-vs-move-break-even-planner/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "new_rent_if_stay": { "type": "integer" }, "target_rent_if_move": { "type": "integer" }, "one_time_move_costs": { "type": "integer" }, "move_incentives": { "type": "integer" }, "monthly_commute_delta": { "type": "integer" }, "monthly_utility_delta": { "type": "integer" }, "analysis_horizon_months": { "type": "integer" } }, "required": [ "tool", "new_rent_if_stay", "target_rent_if_move", "one_time_move_costs", "move_incentives", "monthly_commute_delta", "monthly_utility_delta", "analysis_horizon_months" ] } }, { "name": "auto_refinance_break_even", "description": "Check if refinancing saves money after fees, penalties, and term changes.", "url": "https://aifinhub.io/car-loan-refinance-break-even-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "current_principal": { "type": "integer" }, "current_apr": { "type": "number" }, "months_remaining": { "type": "integer" }, "current_monthly_payment": { "type": "integer" }, "new_apr": { "type": "number" }, "new_term_months": { "type": "integer" }, "refinance_fees_total": { "type": "integer" }, "prepayment_penalty": { "type": "integer" } }, "required": [ "tool", "current_principal", "current_apr", "months_remaining", "current_monthly_payment", "new_apr", "new_term_months", "refinance_fees_total", "prepayment_penalty" ] } }, { "name": "insurance_deductible_break_even", "description": "Compare deductible options by expected annual cost and cash-buffer safety.", "url": "https://aifinhub.io/insurance-deductible-break-even-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "coverage_type": { "type": "string" }, "options": { "type": "array", "items": { "type": "object", "properties": { "deductible": { "type": "integer" }, "annual_premium": { "type": "integer" } }, "required": [ "deductible", "annual_premium" ] } }, "expected_claims_per_year": { "type": "number" }, "average_claim_amount": { "type": "integer" }, "surcharge_percent": { "type": "integer" }, "surcharge_years": { "type": "integer" }, "cash_buffer": { "type": "integer" } }, "required": [ "tool", "coverage_type", "options", "expected_claims_per_year", "average_claim_amount", "surcharge_percent", "surcharge_years", "cash_buffer" ] } }, { "name": "electricity_plan_switch", "description": "Compare electricity plans with your real usage, fees, and break-even point.", "url": "https://aifinhub.io/electricity-plan-switch-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "monthly_kwh": { "type": "array", "items": { "type": "integer" } }, "contract_months": { "type": "integer" }, "current_plan": { "type": "object", "properties": { "pricing_model": { "type": "string" }, "flat_rate_per_kwh": { "type": "number" }, "peak_rate_per_kwh": { "type": "integer" }, "offpeak_rate_per_kwh": { "type": "integer" }, "peak_share": { "type": "number" }, "offpeak_share": { "type": "number" }, "monthly_fixed_fee": { "type": "integer" }, "other_monthly_charges": { "type": "integer" }, "other_per_kwh_charges": { "type": "number" }, "signup_credit": { "type": "integer" }, "cancellation_fee": { "type": "integer" } }, "required": [ "pricing_model", "flat_rate_per_kwh", "peak_rate_per_kwh", "offpeak_rate_per_kwh", "peak_share", "offpeak_share", "monthly_fixed_fee", "other_monthly_charges", "other_per_kwh_charges", "signup_credit", "cancellation_fee" ] }, "candidate_plan": { "type": "object", "properties": { "pricing_model": { "type": "string" }, "flat_rate_per_kwh": { "type": "integer" }, "peak_rate_per_kwh": { "type": "number" }, "offpeak_rate_per_kwh": { "type": "number" }, "peak_share": { "type": "number" }, "offpeak_share": { "type": "number" }, "monthly_fixed_fee": { "type": "integer" }, "other_monthly_charges": { "type": "integer" }, "other_per_kwh_charges": { "type": "number" }, "signup_credit": { "type": "integer" }, "cancellation_fee": { "type": "integer" } }, "required": [ "pricing_model", "flat_rate_per_kwh", "peak_rate_per_kwh", "offpeak_rate_per_kwh", "peak_share", "offpeak_share", "monthly_fixed_fee", "other_monthly_charges", "other_per_kwh_charges", "signup_credit", "cancellation_fee" ] } }, "required": [ "tool", "monthly_kwh", "contract_months", "current_plan", "candidate_plan" ] } }, { "name": "childcare_take_home_delta", "description": "Measure take-home impact after childcare, taxes, and commute costs.", "url": "https://aifinhub.io/childcare-vs-take-home-pay-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "gross_annual_income": { "type": "integer" }, "effective_tax_rate": { "type": "integer" }, "children": { "type": "array", "items": { "type": "object", "properties": { "age_band": { "type": "string" }, "monthly_care_cost": { "type": "integer" } }, "required": [ "age_band", "monthly_care_cost" ] } }, "work_monthly_costs": { "type": "integer" }, "annual_credit_or_subsidy": { "type": "integer" }, "hours_worked_per_week": { "type": "integer" }, "weeks_per_year": { "type": "integer" } }, "required": [ "tool", "gross_annual_income", "effective_tax_rate", "children", "work_monthly_costs", "annual_credit_or_subsidy", "hours_worked_per_week", "weeks_per_year" ] } }, { "name": "side_hustle_tax", "description": "Estimate side-income tax impact and set monthly and quarterly reserves.", "url": "https://aifinhub.io/side-hustle-tax-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "side_hustle_gross_income_annual": { "type": "integer" }, "side_hustle_deductible_expenses_annual": { "type": "integer" }, "primary_w2_income_annual": { "type": "integer" }, "filing_status": { "type": "string" }, "additional_deduction_annual": { "type": "integer" } }, "required": [ "tool", "side_hustle_gross_income_annual", "side_hustle_deductible_expenses_annual", "primary_w2_income_annual", "filing_status", "additional_deduction_annual" ] } }, { "name": "gig_tax_set_aside", "description": "Set practical monthly and quarterly tax reserves for variable income.", "url": "https://aifinhub.io/gig-worker-quarterly-tax-set-aside-planner/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "gross_income_by_month": { "type": "array", "items": { "type": "integer" } }, "deductible_expenses_by_month": { "type": "array", "items": { "type": "integer" } }, "effective_federal_rate": { "type": "integer" }, "effective_state_rate": { "type": "integer" }, "prior_year_total_tax": { "type": "integer" }, "filing_status": { "type": "string" }, "agi_threshold_over_150k": { "type": "boolean" } }, "required": [ "tool", "gross_income_by_month", "deductible_expenses_by_month", "effective_federal_rate", "effective_state_rate", "prior_year_total_tax", "filing_status", "agi_threshold_over_150k" ] } }, { "name": "tax_bracket", "description": "Find your 2025 federal marginal bracket, effective rate, and per-bracket tax breakdown.", "url": "https://aifinhub.io/tax-bracket-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "gross_income": { "type": "integer" }, "filing_status": { "type": "string" }, "deduction": { "type": "string" } }, "required": [ "tool", "gross_income", "filing_status", "deduction" ] } }, { "name": "subscription_audit", "description": "Rank subscriptions by cost-per-use and invested-instead opportunity cost.", "url": "https://aifinhub.io/subscription-audit-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "subscriptions": { "type": "array", "items": { "type": "object", "properties": { "id": { "type": "string" }, "name": { "type": "string" }, "monthly_cost": { "type": "integer" }, "uses_per_month": { "type": "integer" }, "category": { "type": "string" } }, "required": [ "id", "name", "monthly_cost", "uses_per_month", "category" ] } }, "annual_return_percent": { "type": "integer" }, "analysis_years": { "type": "integer" } }, "required": [ "tool", "subscriptions", "annual_return_percent", "analysis_years" ] } }, { "name": "subscription_price_risk", "description": "See which subscriptions to cut first after a price hike and how much you save.", "url": "https://aifinhub.io/subscription-price-hike-risk-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "subscriptions": { "type": "array", "items": { "oneOf": [ { "type": "object", "properties": { "name": { "type": "string" }, "monthly_price": { "type": "number" }, "usage_per_month": { "type": "integer" }, "value_score": { "type": "integer" }, "price_elasticity": { "type": "number" } }, "required": [ "name", "monthly_price", "usage_per_month", "value_score", "price_elasticity" ] }, { "type": "object", "properties": { "name": { "type": "string" }, "monthly_price": { "type": "integer" }, "usage_per_month": { "type": "integer" }, "value_score": { "type": "integer" }, "price_elasticity": { "type": "number" } }, "required": [ "name", "monthly_price", "usage_per_month", "value_score", "price_elasticity" ] } ] } }, "global_price_hike_percent": { "type": "integer" }, "target_savings_percent": { "type": "integer" } }, "required": [ "tool", "subscriptions", "global_price_hike_percent", "target_savings_percent" ] } }, { "name": "tip_calculator", "description": "Calculate tip amounts and split bills evenly or by custom shares.", "url": "https://aifinhub.io/tip-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "bill_amount": { "type": "integer" }, "tip_percent": { "type": "integer" }, "number_of_people": { "type": "integer" }, "split_mode": { "type": "string" }, "custom_shares": { "type": "array", "items": { "type": "string" } }, "round_up": { "type": "boolean" } }, "required": [ "tool", "bill_amount", "tip_percent", "number_of_people", "split_mode", "custom_shares", "round_up" ] } }, { "name": "budget_rule_503020", "description": "Apply the 50/30/20 budgeting rule and compare with your actual spending to optimize your budget.", "url": "https://aifinhub.io/50-30-20-budget-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "monthly_income": { "type": "integer" }, "needs_pct": { "type": "integer" }, "wants_pct": { "type": "integer" }, "savings_pct": { "type": "integer" } }, "required": [ "tool", "monthly_income", "needs_pct", "wants_pct", "savings_pct" ] } }, { "name": "credit_card_payoff", "description": "Calculate credit card payoff timeline, total interest, and compare minimum vs. fixed payment strategies.", "url": "https://aifinhub.io/credit-card-payoff-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "balance": { "type": "integer" }, "apr_percent": { "type": "number" }, "monthly_payment": { "type": "integer" } }, "required": [ "tool", "balance", "apr_percent", "monthly_payment" ] } }, { "name": "apr_apy_converter", "description": "Convert between APR and APY for any compounding frequency.", "url": "https://aifinhub.io/apr-apy-converter/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "rate": { "type": "number" }, "compounding_periods_per_year": { "type": "integer" }, "direction": { "type": "string" } }, "required": [ "tool", "rate", "compounding_periods_per_year", "direction" ] } }, { "name": "cagr_calculator", "description": "Calculate compound annual growth rate from start/end values with doubling time and growth chart.", "url": "https://aifinhub.io/cagr-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "start_value": { "type": "integer" }, "end_value": { "type": "integer" }, "years": { "type": "integer" } }, "required": [ "tool", "start_value", "end_value", "years" ] } }, { "name": "cap_rate_calculator", "description": "Calculate cap rate, NOI, GRM, and cash-on-cash return for rental investment properties.", "url": "https://aifinhub.io/cap-rate-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "property_value": { "type": "integer" }, "gross_rental_income": { "type": "integer" }, "vacancy_pct": { "type": "integer" }, "operating_expenses": { "type": "integer" }, "down_payment_pct": { "type": "integer" }, "annual_debt_service": { "type": "integer" } }, "required": [ "tool", "property_value", "gross_rental_income", "vacancy_pct", "operating_expenses", "down_payment_pct", "annual_debt_service" ] } }, { "name": "credit_utilization_calculator", "description": "Calculate credit card utilization ratio and see how it affects your credit score.", "url": "https://aifinhub.io/credit-utilization-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "cards": { "type": "array", "items": { "type": "object", "properties": { "name": { "type": "string" }, "balance": { "type": "integer" }, "limit": { "type": "integer" } }, "required": [ "name", "balance", "limit" ] } } }, "required": [ "tool", "cards" ] } }, { "name": "auto_loan", "description": "Calculate monthly car payments, total interest, and cost of ownership.", "url": "https://aifinhub.io/auto-loan-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "vehicle_price": { "type": "integer" }, "down_payment": { "type": "integer" }, "trade_in_value": { "type": "integer" }, "sales_tax_percent": { "type": "number" }, "loan_term_months": { "type": "integer" }, "annual_rate_percent": { "type": "number" } }, "required": [ "tool", "vehicle_price", "down_payment", "trade_in_value", "sales_tax_percent", "loan_term_months", "annual_rate_percent" ] } }, { "name": "cd_ladder", "description": "Plan staggered CD maturities to balance yield and liquidity.", "url": "https://aifinhub.io/cd-ladder-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "total_deposit": { "type": "integer" }, "rungs": { "type": "array", "items": { "type": "object", "properties": { "term_months": { "type": "integer" }, "apy_percent": { "type": "number" } }, "required": [ "term_months", "apy_percent" ] } } }, "required": [ "tool", "total_deposit", "rungs" ] } }, { "name": "lifestyle_creep", "description": "Track spending growth vs income across raises to reveal savings rate erosion and FI timeline impact.", "url": "https://aifinhub.io/lifestyle-creep-calculator/", "inputSchema": { "type": "object", "properties": { "tool": { "type": "string" }, "current_income": { "type": "integer" }, "current_spending": { "type": "integer" }, "raises": { "type": "array", "items": { "type": "object", "properties": { "income_increase_percent": { "type": "integer" }, "spending_increase_percent": { "type": "integer" } }, "required": [ "income_increase_percent", "spending_increase_percent" ] } } }, "required": [ "tool", "current_income", "current_spending", "raises" ] } }, { "name": "savings_rate", "description": "Calculate your personal savings rate and map it to your FIRE timeline.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/savings-rate-calculator.json for full input schema." } }, { "name": "dividend_reinvestment_calculator", "description": "See how reinvesting dividends and monthly contributions compound portfolio growth over time.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/dividend-reinvestment-calculator.json for full input schema." } }, { "name": "bond_yield_calculator", "description": "Calculate YTM, current yield, YTC, Macaulay & modified duration, and DV01 for any fixed-income bond.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/bond-yield-calculator.json for full input schema." } }, { "name": "college_savings", "description": "Project future college costs with education inflation and calculate monthly savings needed.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/college-savings-calculator.json for full input schema." } }, { "name": "heloc_payment", "description": "Calculate available credit line, interest-only draw payments, and amortizing repayment payments for a home equity line of credit.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/heloc-payment-calculator.json for full input schema." } }, { "name": "paycheck_take_home", "description": "Estimate net take-home pay after federal and state income tax, FICA, and pre-tax deductions.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/paycheck-take-home-calculator.json for full input schema." } }, { "name": "social_security_breakeven", "description": "Calculate when delaying Social Security pays off vs claiming early with cumulative lifetime benefit comparison.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/social-security-breakeven-calculator.json for full input schema." } }, { "name": "home_equity_payoff_accelerator", "description": "See how extra mortgage payments and lump sums reduce total interest and shorten your payoff timeline.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/home-equity-payoff-accelerator.json for full input schema." } }, { "name": "fire_expat", "description": "Calculate FIRE number adjusted for destination country CoL, healthcare, and tax treaties.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/fire-expat-calculator.json for full input schema." } }, { "name": "freelancer_retirement", "description": "Plan retirement with irregular income, no employer match, and self-employment tax.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/freelancer-retirement-planner.json for full input schema." } }, { "name": "digital_nomad_tax", "description": "Compare tax burden across countries with FEIE, treaties, and totalization.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/digital-nomad-tax-estimator.json for full input schema." } }, { "name": "geographic_arbitrage", "description": "See how a remote salary stretches further in a lower cost-of-living city.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/geographic-arbitrage-calculator.json for full input schema." } }, { "name": "coast_fire_part_time", "description": "Find minimum part-time income when your portfolio is on track to grow untouched.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/coast-fire-part-time-calculator.json for full input schema." } }, { "name": "barista_fire", "description": "Calculate minimum low-stress job income when portfolio covers most spending.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/barista-fire-job-calculator.json for full input schema." } }, { "name": "side_hustle_break_even", "description": "Find when your side project pays for time and money invested vs a raise.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/side-hustle-break-even-calculator.json for full input schema." } }, { "name": "lean_vs_fat_fire", "description": "Compare lean and fat FIRE targets, timelines, and withdrawal safety side by side.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/lean-fire-vs-fat-fire-calculator.json for full input schema." } }, { "name": "fire_withdrawal_strategy", "description": "Compare 4% rule vs variable withdrawals with guardrails and sequence risk.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/fire-withdrawal-strategy-calculator.json for full input schema." } }, { "name": "freelancer_invoice_gap", "description": "Model cash flow gaps from net 30/60/90 payment delays and buffer needed.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/freelancer-invoice-payment-gap-calculator.json for full input schema." } }, { "name": "divorce_financial_split", "description": "Model asset division scenarios including property, retirement, and pension splitting.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/divorce-financial-split-calculator.json for full input schema." } }, { "name": "parental_leave_planner", "description": "Plan for the income gap during parental leave with benefits and childcare costs.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/parental-leave-financial-planner.json for full input schema." } }, { "name": "career_break_runway", "description": "Calculate savings needed for a sabbatical with healthcare and re-entry costs.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/career-break-runway-calculator.json for full input schema." } }, { "name": "eldercare_cost", "description": "Compare in-home, assisted living, and nursing home costs with family splits.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/eldercare-cost-planner.json for full input schema." } }, { "name": "first_gen_wealth", "description": "Milestone tracker for building wealth from zero with no inheritance.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/first-gen-wealth-builder.json for full input schema." } }, { "name": "military_to_civilian_pay", "description": "Convert military pay including BAH, BAS, and tax-free allowances to civilian equivalent.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/military-to-civilian-pay-calculator.json for full input schema." } }, { "name": "couples_money_merge", "description": "Compare joint, separate, and hybrid accounts with fair income-ratio splits.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/couples-money-merge-calculator.json for full input schema." } }, { "name": "nanny_vs_daycare", "description": "Compare all-in childcare costs including payroll taxes and flexibility value.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/nanny-vs-daycare-total-cost-calculator.json for full input schema." } }, { "name": "job_offer_comparison", "description": "Compare total compensation across job offers including equity, benefits, and tax.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/job-offer-comparison-calculator.json for full input schema." } }, { "name": "relocation_financial_impact", "description": "Estimate net financial impact of moving with CoL, tax, and housing deltas.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/relocation-financial-impact-calculator.json for full input schema." } }, { "name": "layoff_runway", "description": "Calculate months of financial runway after a layoff with severance and benefits.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/layoff-runway-calculator.json for full input schema." } }, { "name": "student_loan_forgiveness", "description": "Track PSLF or IDR forgiveness progress and model the forgiveness tax bomb.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/student-loan-forgiveness-tracker.json for full input schema." } }, { "name": "hsa_triple_tax", "description": "Model tax-deductible contributions, tax-free growth, and tax-free withdrawals.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/hsa-triple-tax-calculator.json for full input schema." } }, { "name": "backdoor_roth", "description": "Model backdoor conversions with pro-rata rule check and conversion ladder.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/backdoor-roth-calculator.json for full input schema." } }, { "name": "equity_compensation", "description": "Compare ISOs vs NSOs, model AMT triggers, and evaluate 83(b) elections.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/equity-compensation-calculator.json for full input schema." } }, { "name": "rental_property_house_hack", "description": "Calculate net housing cost when you live in one unit and rent others.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/rental-property-house-hack-calculator.json for full input schema." } }, { "name": "tax_loss_harvesting", "description": "Estimate tax savings from harvesting investment losses against capital gains.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/tax-loss-harvesting-calculator.json for full input schema." } }, { "name": "i_bond_vs_hysa", "description": "Compare inflation-adjusted I Bond returns against high-yield savings accounts.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/i-bond-vs-hysa-calculator.json for full input schema." } }, { "name": "pension_vs_lump_sum", "description": "Compare pension annuity vs lump sum with present value and life expectancy.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/pension-vs-lump-sum-calculator.json for full input schema." } }, { "name": "social_security_claiming", "description": "Compare claiming at 62, 67, and 70 with breakeven ages and spousal benefits.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/social-security-claiming-strategy.json for full input schema." } }, { "name": "inherited_ira_rmd", "description": "Calculate required distributions under the 10-year rule with tax planning.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/inherited-ira-rmd-calculator.json for full input schema." } }, { "name": "home_renovation_roi", "description": "Estimate return on investment for common home renovation projects.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/home-renovation-roi-calculator.json for full input schema." } }, { "name": "bnpl_stacking_pro", "description": "Track multiple BNPL plans with payment calendar and cash flow stress test.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/bnpl-stacking-tracker-pro.json for full input schema." } }, { "name": "subscription_audit_pro", "description": "Audit subscriptions with category benchmarks and annual savings projections.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/subscription-audit-pro.json for full input schema." } }, { "name": "gig_worker_tax_pro", "description": "Calculate quarterly tax across platforms with penalty estimator and safe harbor.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/gig-worker-quarterly-tax-pro.json for full input schema." } }, { "name": "variable_income_budget", "description": "Budget with irregular income using rolling averages and worst-month buffers.", "inputSchema": { "type": "object", "description": "See https://aifinhub.io/contracts/variable-income-budget-planner.json for full input schema." } } ], "disclaimer": "Planning estimates only — not financial, tax, or investment advice.", "creator": { "@type": "Organization", "name": "Orbyd", "url": "https://orbyd.app" } }