io.github.CSOAI-ORG/mortgage-calculator-ai-mcp

Calculate monthly mortgage payment with optional down payment. Rate is annual percentage (e.g. 6.5). Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage. When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards. When NOT to use: Not suitable for real-time production decision-making without human review of results. Args: principal (float): The principal to analyze or process. rate (float): The rate to analyze or process. years (int): The years to analyze or process. down_payment (float): The down payment to analyze or process. api_key (str): The api key to analyze or process. Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.

Compare monthly payments across multiple interest rates side by side. Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage. When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards. When NOT to use: Not suitable for real-time production decision-making without human review of results. Args: principal (float): The principal to analyze or process. years (int): The years to analyze or process. rates (list[float]): The rates to analyze or process. down_payment (float): The down payment to analyze or process. api_key (str): The api key to analyze or process. Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.

Generate a yearly amortization schedule showing principal vs interest breakdown. Behavior: This tool generates structured output without modifying external systems. Output is deterministic for identical inputs. No side effects. Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage. When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards. When NOT to use: Not suitable for real-time production decision-making without human review of results. Args: principal (float): The principal to analyze or process. rate (float): The rate to analyze or process. years (int): The years to analyze or process. down_payment (float): The down payment to analyze or process. api_key (str): The api key to analyze or process. Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.

Estimate maximum affordable home price based on income and debts using 28/36 rule. Behavior: This tool is read-only and stateless — it produces analysis output without modifying any external systems, databases, or files. Safe to call repeatedly with identical inputs (idempotent). Free tier: 10/day rate limit. Pro tier: unlimited. No authentication required for basic usage. When to use: Use this tool when you need structured analysis or classification of inputs against established frameworks or standards. When NOT to use: Not suitable for real-time production decision-making without human review of results. Args: annual_income (float): The annual income to analyze or process. monthly_debts (float): The monthly debts to analyze or process. rate (float): The rate to analyze or process. years (int): The years to analyze or process. down_payment (float): The down payment to analyze or process. api_key (str): The api key to analyze or process. Behavioral Transparency: - Side Effects: This tool is read-only and produces no side effects. It does not modify any external state, databases, or files. All output is computed in-memory and returned directly to the caller. - Authentication: No authentication required for basic usage. Pro/Enterprise tiers require a valid MEOK API key passed via the MEOK_API_KEY environment variable. - Rate Limits: Free tier: 10 calls/day. Pro tier: unlimited. Rate limit headers are included in responses (X-RateLimit-Remaining, X-RateLimit-Reset). - Error Handling: Returns structured error objects with 'error' key on failure. Never raises unhandled exceptions. Invalid inputs return descriptive validation errors. - Idempotency: Fully idempotent — calling with the same inputs always produces the same output. Safe to retry on timeout or transient failure. - Data Privacy: No input data is stored, logged, or transmitted to external services. All processing happens locally within the MCP server process.