io.github.cavan1977/freetoolhub

Tools

• advise_tool_portfolio

  Too many MCP tools makes agents pick the wrong one. Given your tool list and usage, get keep / merge / remove recommendations to get under the 10–15 tool guideline.

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• audit_mcp_server_security

  Audit an MCP server against the OWASP MCP Top 10. Reports authentication, path traversal, command injection, secret exposure and supply-chain risk with a concrete remediation list.

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• calculate_1099k_tax

  Estimate tax on 1099-K income (reselling, gig work). SE tax, QBI, quarterly 1040-ES. Uses latest CDN data.

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• calculate_break_even

  Break-even point: units to sell to cover fixed costs. Contribution margin, target profit analysis.

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• calculate_capital_gains_tax

  US capital gains tax on stock/crypto. Short vs long-term, NIIT 3.8%, state tax. Uses latest CDN LTCG brackets.

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• calculate_car_loan

  Monthly car payment, total interest, amortization. Includes sales tax, trade-in, down payment. Uses latest CDN sales tax rates.

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• calculate_compound_interest

  Compound interest with monthly contributions. Returns final balance, total interest, inflation-adjusted value. Uses latest CDN inflation rate.

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• calculate_dropship_profit

  True dropshipping profit after product cost, platform fees, payment processing, ad spend. Uses latest CDN payment processor fees.

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• calculate_estate_tax

  Calculate federal estate tax. 2026 exemption $13.61M, 40% rate. Includes marital deduction.

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• calculate_freelancer_pricing

  Turn hourly rate into project quote with overhead, profit margin, milestone splits.

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• calculate_freelancer_tax

  Complete freelancer tax: SE tax, QBI deduction, federal + state income tax. Returns quarterly payment. Uses latest CDN data.

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• calculate_github_actions_cost

  Estimate a GitHub Actions monthly bill using the January 2026 runner rates (Linux $0.006/min, Windows $0.010, macOS $0.062), accounting for plan allowances. Also reports what the same workload cost before the price cut.

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• calculate_home_equity

  Calculate home equity, max borrowable amount (HELOC), and monthly payments. LTV limits included.

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• calculate_hsa_fsa_savings

  Calculate tax savings from HSA and FSA contributions. Federal + FICA + state tax savings. Latest CDN limits.

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• calculate_income_tax

  US income tax for 2026: federal tax bracket by bracket, state tax, marginal vs effective rate. Uses latest IRS brackets from CDN data.

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• calculate_life_insurance

  Calculate life insurance needs using DIME method: Debt, Income, Mortgage, Education.

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• calculate_loan

  Any fixed-rate loan: monthly payment, total interest, payoff time, and interest saved by extra monthly payments.

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• calculate_margin

  Gross margin AND markup for the same deal, plus reverse pricing from a target margin or markup and the real margin cost of a discount.

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• calculate_mortgage

  Monthly mortgage payment (P&I) + property tax, insurance, PMI. Full PITI breakdown. Uses latest CDN mortgage rates for defaults.

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• calculate_pay_raise

  What a raise is actually worth after tax. Runs the real brackets before and after, so bracket crossings are handled — not a flat marginal rate applied to the raise.

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• calculate_payroll_tax

  Calculate paycheck deductions: federal tax, Social Security, Medicare, state tax. All 50 states. Latest CDN data.

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• calculate_quarterly_tax

  Calculate quarterly estimated tax payments (Form 1040-ES). SE tax + income tax divided by 4. Latest CDN data.

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• calculate_rental_affordability

  How much rent can you afford? 30% rule, DTI ratio, comfortable rent range.

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• calculate_rental_roi

  Rental property ROI: cap rate, cash-on-cash return, NOI, annual cash flow. Includes vacancy and management.

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• calculate_reseller_profit

  Compare real profit across reselling platforms (eBay, Poshmark, Mercari, etc.) after fees. Uses latest CDN platform fee data.

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• calculate_retirement

  Retirement projection in today's dollars: projected nest egg, sustainable income at your withdrawal rate, gap, and the monthly contribution that closes it.

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• calculate_roi

  ROI, ROAS, net profit, CPA, CPC for marketing campaigns. Facebook, Google, TikTok ad analysis.

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• calculate_se_tax

  Calculate US self-employment tax (15.3%), QBI deduction, quarterly payments. Uses latest IRS brackets from CDN data.

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• calculate_student_loan

  Student loan payoff: monthly payment, total interest, months saved with extra payments.

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• calculate_tariff

  Estimate import duties and landed cost by HS code category. Covers US MFN + Section 301 tariffs.

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• calculate_tax_refund

  Estimate US tax refund or balance due before filing: tax owed minus withholding minus credits, federal and state. NOT the IRS refund tracker.

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• check_economic_nexus

  Check which US states you have economic nexus in for sales tax collection. Based on Wayfair ruling. Latest CDN thresholds.

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• compare_401k_vs_roth

  Compare 401(k) pre-tax vs Roth IRA post-tax. 30-year growth, tax drag, recommendation. Uses latest CDN contribution limits.

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• compare_ai_coding_tool_costs

  Compare monthly and annual cost of AI coding subscriptions (GitHub Copilot, Cursor, Claude Code/Pro/Max, OpenAI Codex) for a given team size and usage intensity, then compare the winner against pay-as-you-go API pricing for the same workload. Prices verified 2026-09.

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• compare_automation_platform_costs

  Compare real monthly cost on Zapier (per task) versus Make (per operation) for the same workflow volume, including the counting-model difference that makes the two quotes non-obvious.

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• compare_llc_cost

  Compare LLC formation and maintenance costs across US states. 5-year total cost. Uses latest CDN LLC state fees data.

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• compare_llm_api_costs

  Rank 18 LLM models by the real monthly cost of a given workload (input/output tokens per call × calls per month). Reports the cheapest and most expensive option, the cost spread, and which models can actually hold your prompt in their context window.

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• compare_w2_vs_1099

  Compare take-home pay: W-2 salary vs 1099 contractor rate. SE tax, FICA, standard deduction, state tax. Latest CDN data.

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• compress_tool_definitions

  Shrink MCP tool descriptions and JSON schemas to cut context cost without changing how agents call them. Returns the compressed definitions plus exact token savings.

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• detect_polling_cost_traps

  Find the most common hidden cost in no-code automation: using polling where a webhook would do. Quantifies the wasted task/operation quota and the monthly dollars.

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• estimate_mcp_context_budget

  Estimate how much of an LLM context window your MCP servers consume, and which tool definitions to cut first. Paste your MCP config. Returns per-server token cost, remaining budget, and ranked reduction advice.

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• estimate_selfhosted_tco

  Compare paying hosted CI overage against running self-hosted runners, including the maintenance hours people forget to cost. Reports the true break-even volume.

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• find_tool

  Semantic tool router. Given a natural-language intent, return only the most relevant tools from this server so the client can inject 3 schemas instead of 27. This is the "find_tool" meta-tool the MCP optimisation literature calls for.

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• generate_mcp_client_config

  Generate ready-to-paste MCP server config for Claude Desktop, Cursor, VS Code and Windsurf from one input. Config completeness decides whether developers can install your server at all.

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• generate_mcp_server_card

  Generate a SEP-1649 MCP Server Card (/.well-known/mcp/server-card.json) so crawlers and registries can discover your server without connecting to it.

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• get_sales_tax_rate

  Get state sales tax rate for any US state. Returns base state rate + estimated local rate. Latest CDN data.

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• plan_context_window_budget

  Given a set of MCP servers and their tool counts, show for every model context window (128K, 200K, 1M, 10M) how much of the window the tool definitions consume, how much is left for conversation, and whether the server set fits at all. Answers "how many servers can I attach on model X?".

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• plan_mcp_token_budget

  Plan and attribute MCP token spend across agents, servers and workflows — something the protocol provides no native support for. Outputs per-dimension cost split and a quota plan.

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• score_mcp_server_trust

  Score an MCP server A–F on trustworthiness and maintenance health, so you can choose between four servers that all claim to do the same thing. Supply what you know about the server.

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• validate_mcp_server_card

  Validate an MCP Server Card against SEP-1649 and report every missing or malformed field before you publish it. Checks structure (serverInfo, transport, capabilities, authentication) and format (semver version, http(s) transport URL, capabilities.tools entries), returning a full error and warning list.

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Embed this server’s score

Tool count and median score across every tool in this server’s corpus — honest in a way a single cherry-picked tool’s badge wouldn’t be.

[![Vouch score](https://vouch.tools/api/servers/9abb05a3-71ce-4c0c-be31-70a5605ab9ca/badge.svg)](https://vouch.tools/servers/9abb05a3-71ce-4c0c-be31-70a5605ab9ca)