此 MCP 可以做什么
Calculates consumer auto leases and loans, commercial equipment lease structures, amortization schedules, and reverse lease parameters.
功能
工具
5
工具
calculate_auto_lease
Consumer Auto Lease Calculator
Exact consumer car lease calculator using real captive-lender math: money factor rent charge, residual-based depreciation, state tax methods (monthly on payment, upfront on selling price, upfront on total lease, TAVT), fee capitalization, zero-drive-off iteration, and multiple security deposit (MSD) money-factor discounts with ROI. Accepts either a money factor (e.g. 0.00225) or an APR (auto-converted). Use to verify dealer quotes, compare lease offers, or compute drive-off and lease-end buyout amounts.
输入模式
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['msrp', 'term', 'residualPercent'], 'properties': {'apr': {'type': 'number', 'maximum': 60, 'minimum': 0, 'description': 'Annual percentage rate, e.g. 5.4; converted as apr / 2400'}, 'msrp': {'type': 'number', 'description': 'MSRP in dollars, e.g. 45000', 'exclusiveMinimum': 0}, 'term': {'type': 'integer', 'maximum': 120, 'minimum': 1, 'description': 'Lease term in months, typically 24, 36, or 48'}, 'docFee': {'type': 'number', 'minimum': 0, 'description': 'Dealer documentation fee'}, 'mileage': {'type': 'integer', 'maximum': 100000, 'minimum': 1000, 'description': 'Annual mileage allowance (default 12000)'}, 'rebates': {'type': 'number', 'minimum': 0, 'description': 'Taxed incentives in dollars'}, 'taxRate': {'type': 'number', 'maximum': 30, 'minimum': 0, 'description': 'Sales tax percentage, e.g. 6.625'}, 'msdCount': {'type': 'integer', 'maximum': 10, 'minimum': 0, 'description': 'Number of multiple security deposits for money factor reduction'}, 'taxMethod': {'enum': ['Monthly', 'SellingPrice', 'TotalLease', 'TAVT', 'Exempt'], 'type': 'string', 'description': "State tax method (default 'Monthly')"}, 'downPayment': {'type': 'number', 'minimum': 0, 'description': 'Cash down / cap cost reduction in dollars'}, 'moneyFactor': {'type': 'number', 'maximum': 0.05, 'minimum': 0, 'description': 'Money factor, e.g. 0.00225. Provide this OR apr'}, 'sellingPrice': {'type': 'number', 'description': 'Negotiated selling price (defaults to MSRP)', 'exclusiveMinimum': 0}, 'tradeInEquity': {'type': 'number', 'minimum': 0}, 'acquisitionFee': {'type': 'number', 'minimum': 0, 'description': 'Bank acquisition fee, e.g. 895'}, 'capitalizeFees': {'type': 'boolean', 'description': 'true = roll fees into payment; false (default) = pay at signing'}, 'dispositionFee': {'type': 'number', 'minimum': 0, 'description': 'Fee charged at lease end'}, 'isZeroDriveOff': {'type': 'boolean', 'description': 'true = capitalize all upfront costs for $0 due at signing'}, 'registrationFee': {'type': 'number', 'minimum': 0}, 'residualPercent': {'type': 'number', 'maximum': 100, 'minimum': 1, 'description': 'Residual as percent of MSRP, e.g. 58'}}, 'additionalProperties': False}
calculate_auto_loan
Auto Loan / Purchase Calculator
Exact auto loan payment calculator for vehicle purchases. Computes monthly payment, total interest, total cost, and upfront cash for financed purchases, or the all-in cost for cash purchases. Useful together with calculate_auto_lease for lease-versus-buy comparisons.
输入模式
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['vehiclePrice'], 'properties': {'rate': {'type': 'number', 'maximum': 60, 'minimum': 0, 'description': 'Annual loan rate percentage (required for finance)'}, 'term': {'type': 'integer', 'maximum': 120, 'minimum': 1, 'description': 'Loan term in months (required for finance)'}, 'salesTax': {'type': 'number', 'minimum': 0, 'description': 'Upfront sales tax amount in dollars (not a percentage)'}, 'downPayment': {'type': 'number', 'minimum': 0}, 'vehiclePrice': {'type': 'number', 'description': 'Out-the-door vehicle price in dollars', 'exclusiveMinimum': 0}, 'tradeInCredit': {'type': 'number', 'minimum': 0, 'description': 'Trade-in equity applied in dollars'}, 'purchaseMethod': {'enum': ['finance', 'cash'], 'type': 'string', 'description': "Default 'finance'"}}, 'additionalProperties': False}
calculate_lease
Commercial Equipment Lease Calculator
Deterministic commercial equipment lease and finance calculator. Computes the exact periodic payment for equipment leases and equipment financing agreements: level payments, balloon, step-up/step-down, custom payment streams, interest-only periods, and skip/seasonal structures. Regression-tested against Excel-verified amortization to the penny. Use this instead of estimating lease payments: LLM arithmetic on compounding interest is unreliable, this engine is not. Returns payment, tax, interim rent, and totals (total interest, total of payments, final balance).
输入模式
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['equipmentCost', 'leaseTerm', 'interestRate'], 'properties': {'steps': {'type': 'array', 'items': {'type': 'object', 'required': ['periodCount', 'amount'], 'properties': {'type': {'enum': ['Fixed', 'Calculated', 'PercentIncrease', 'PercentDecrease', 'Compounding', 'InterestOnly'], 'type': 'string'}, 'amount': {'type': 'number', 'minimum': 0, 'description': "Payment amount for this step; use 0 with type 'Calculated' to let the engine solve it"}, 'periodCount': {'type': 'integer', 'minimum': 1, 'description': 'How many periods this step lasts'}}, 'additionalProperties': False}, 'description': 'For Step/Custom structures: ordered payment segments'}, 'taxRate': {'type': 'number', 'maximum': 30, 'minimum': 0, 'description': 'Sales tax rate percentage, e.g. 7'}, 'leaseTerm': {'type': 'integer', 'maximum': 600, 'minimum': 1, 'description': 'Lease term in months, e.g. 60'}, 'taxMethod': {'enum': ['Exempt', 'Monthly', 'Upfront'], 'type': 'string', 'description': "Sales tax treatment: 'Exempt' (default), 'Monthly' on top of payment, or 'Upfront' capitalized"}, 'skipMonths': {'type': 'array', 'items': {'type': 'integer', 'maximum': 12, 'minimum': 1}, 'description': 'For Skip: calendar months (1=Jan..12=Dec) skipped every year of the term, e.g. [12,1,2] for a seasonal business closed in winter'}, 'downPayment': {'type': 'number', 'minimum': 0, 'description': 'Down payment in dollars'}, 'fundingDate': {'type': 'string', 'pattern': '^\\d{4}-\\d{2}-\\d{2}$', 'description': 'Funding date YYYY-MM-DD; a gap before leaseStartDate produces interim rent'}, 'interestRate': {'type': 'number', 'maximum': 100, 'minimum': 0, 'description': 'Annual interest rate as a percentage, e.g. 7.5 for 7.5%'}, 'equipmentCost': {'type': 'number', 'description': 'Total equipment cost in dollars, e.g. 150000', 'exclusiveMinimum': 0}, 'paymentTiming': {'enum': ['Arrears', 'Advance'], 'type': 'string', 'description': "'Arrears' = end of period (default), 'Advance' = beginning of period"}, 'residualValue': {'type': 'number', 'minimum': 0, 'description': 'End-of-term residual in dollars (default 0 = full payout). Alternative: residualPercent'}, 'leaseStartDate': {'type': 'string', 'pattern': '^\\d{4}-\\d{2}-\\d{2}$', 'description': 'First payment date YYYY-MM-DD (defaults to today)'}, 'residualPercent': {'type': 'number', 'maximum': 100, 'minimum': 0, 'description': 'Residual as a percent of equipment cost, e.g. 10 for 10% FMV'}, 'upfrontPayments': {'type': 'integer', 'maximum': 12, 'minimum': 0, 'description': 'Number of payments collected in advance at signing'}, 'interestOnlyTerm': {'type': 'integer', 'maximum': 120, 'minimum': 0, 'description': 'For InterestOnly: number of interest-only months before amortization begins'}, 'paymentFrequency': {'enum': ['Monthly', 'Quarterly', 'Semi-Annual', 'Annual', 'Weekly', 'Bi-Weekly'], 'type': 'string', 'description': "Payment frequency (default 'Monthly')"}, 'paymentStructure': {'enum': ['Level', 'Balloon', 'Step', 'Custom', 'InterestOnly', 'Skip'], 'type': 'string', 'description': "Payment structure (default 'Level')"}, 'balloonPercentage': {'type': 'number', 'maximum': 100, 'minimum': 0, 'description': 'For Balloon: final payment as percent of equipment cost, e.g. 20'}, 'skipPaymentAmount': {'type': 'number', 'minimum': 0, 'description': 'Amount paid during skipped months (often 0)'}, 'additionalClosingFees': {'type': 'number', 'minimum': 0, 'description': 'Documentation/closing fees in dollars'}}, 'additionalProperties': False}
generate_amortization_schedule
Full Amortization Schedule Generator
Generates the complete period-by-period amortization schedule for a commercial equipment lease or finance agreement: payment date, payment amount, interest portion, principal portion, and remaining balance for every period, plus totals. Supports all payment structures (level, balloon, step, skip/seasonal, interest-only) and both 30/360 and Actual/365 day counts. Use when the user needs the full payment schedule, a payoff balance at a specific period, or interest/principal splits for accounting.
输入模式
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['equipmentCost', 'leaseTerm', 'interestRate'], 'properties': {'steps': {'type': 'array', 'items': {'type': 'object', 'required': ['periodCount', 'amount'], 'properties': {'type': {'enum': ['Fixed', 'Calculated', 'PercentIncrease', 'PercentDecrease', 'Compounding', 'InterestOnly'], 'type': 'string'}, 'amount': {'type': 'number', 'minimum': 0, 'description': "Payment amount for this step; use 0 with type 'Calculated' to let the engine solve it"}, 'periodCount': {'type': 'integer', 'minimum': 1, 'description': 'How many periods this step lasts'}}, 'additionalProperties': False}, 'description': 'For Step/Custom structures: ordered payment segments'}, 'taxRate': {'type': 'number', 'maximum': 30, 'minimum': 0, 'description': 'Sales tax rate percentage, e.g. 7'}, 'leaseTerm': {'type': 'integer', 'maximum': 600, 'minimum': 1, 'description': 'Lease term in months, e.g. 60'}, 'taxMethod': {'enum': ['Exempt', 'Monthly', 'Upfront'], 'type': 'string', 'description': "Sales tax treatment: 'Exempt' (default), 'Monthly' on top of payment, or 'Upfront' capitalized"}, 'skipMonths': {'type': 'array', 'items': {'type': 'integer', 'maximum': 12, 'minimum': 1}, 'description': 'For Skip: calendar months (1=Jan..12=Dec) skipped every year of the term, e.g. [12,1,2] for a seasonal business closed in winter'}, 'downPayment': {'type': 'number', 'minimum': 0, 'description': 'Down payment in dollars'}, 'fundingDate': {'type': 'string', 'pattern': '^\\d{4}-\\d{2}-\\d{2}$', 'description': 'Funding date YYYY-MM-DD; a gap before leaseStartDate produces interim rent'}, 'interestRate': {'type': 'number', 'maximum': 100, 'minimum': 0, 'description': 'Annual interest rate as a percentage, e.g. 7.5 for 7.5%'}, 'equipmentCost': {'type': 'number', 'description': 'Total equipment cost in dollars, e.g. 150000', 'exclusiveMinimum': 0}, 'paymentTiming': {'enum': ['Arrears', 'Advance'], 'type': 'string', 'description': "'Arrears' = end of period (default), 'Advance' = beginning of period"}, 'residualValue': {'type': 'number', 'minimum': 0, 'description': 'End-of-term residual in dollars (default 0 = full payout). Alternative: residualPercent'}, 'leaseStartDate': {'type': 'string', 'pattern': '^\\d{4}-\\d{2}-\\d{2}$', 'description': 'First payment date YYYY-MM-DD (defaults to today)'}, 'residualPercent': {'type': 'number', 'maximum': 100, 'minimum': 0, 'description': 'Residual as a percent of equipment cost, e.g. 10 for 10% FMV'}, 'upfrontPayments': {'type': 'integer', 'maximum': 12, 'minimum': 0, 'description': 'Number of payments collected in advance at signing'}, 'interestOnlyTerm': {'type': 'integer', 'maximum': 120, 'minimum': 0, 'description': 'For InterestOnly: number of interest-only months before amortization begins'}, 'paymentFrequency': {'enum': ['Monthly', 'Quarterly', 'Semi-Annual', 'Annual', 'Weekly', 'Bi-Weekly'], 'type': 'string', 'description': "Payment frequency (default 'Monthly')"}, 'paymentStructure': {'enum': ['Level', 'Balloon', 'Step', 'Custom', 'InterestOnly', 'Skip'], 'type': 'string', 'description': "Payment structure (default 'Level')"}, 'balloonPercentage': {'type': 'number', 'maximum': 100, 'minimum': 0, 'description': 'For Balloon: final payment as percent of equipment cost, e.g. 20'}, 'skipPaymentAmount': {'type': 'number', 'minimum': 0, 'description': 'Amount paid during skipped months (often 0)'}, 'additionalClosingFees': {'type': 'number', 'minimum': 0, 'description': 'Documentation/closing fees in dollars'}}, 'additionalProperties': False}
solve_lease_structure
Reverse Lease Solver (Rate, Term, Residual, PV)
Newton-Raphson reverse solver for commercial equipment leases. Given a known target payment, solves for the unknown deal variable: the implicit interest rate (yield) buried in a quote, the term length, the residual value, or the present value of a payment stream. This is the tool for questions like "what rate am I really paying?", "what residual makes this payment work?", or "what is this payment stream worth today?". Multi-variable iterative solving that LLMs cannot do reliably by hand.
输入模式
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['solveFor', 'targetPayment'], 'properties': {'solveFor': {'enum': ['Rate', 'Term', 'ResidualValue', 'PresentValue', 'Commission'], 'type': 'string', 'description': 'The unknown variable to solve for'}, 'leaseTerm': {'type': 'integer', 'maximum': 600, 'minimum': 1, 'description': 'Term in months (omit when solving Term)'}, 'interestRate': {'type': 'number', 'maximum': 100, 'minimum': 0, 'description': 'Annual rate percentage (omit when solving Rate)'}, 'equipmentCost': {'type': 'number', 'description': 'Equipment cost in dollars (omit when solving PresentValue)', 'exclusiveMinimum': 0}, 'paymentTiming': {'enum': ['Arrears', 'Advance'], 'type': 'string'}, 'residualValue': {'type': 'number', 'minimum': 0, 'description': 'Residual in dollars (omit when solving ResidualValue)'}, 'targetPayment': {'type': 'number', 'description': 'The known periodic payment amount to solve from', 'exclusiveMinimum': 0}, 'paymentFrequency': {'enum': ['Monthly', 'Quarterly', 'Semi-Annual', 'Annual', 'Weekly', 'Bi-Weekly'], 'type': 'string'}}, 'additionalProperties': False}
历史
近期工具变更
已添加
calculate_auto_loan
2026年9月17日 12:42
已添加
calculate_auto_lease
2026年9月17日 12:42
已添加
generate_amortization_schedule
2026年9月17日 12:42
已添加
solve_lease_structure
2026年9月17日 12:42
已添加
calculate_lease
2026年9月17日 12:42
发现
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