FreeToolHub

io.github.cavan1977Published by GitHub account cavan1977v2.0.0Updated Oct 27, 2026

44 calculators for AI agents: US tax, finance, business + an MCP engineering & security suite.

VerifiedStreamable HTTPWeb executableFinanceDeveloper ToolsBusiness & Commerce

Overview

AI-generated overview

Remote MCP server with 44 calculators for US tax, personal finance, business costs and MCP server engineering, callable by an AI assistant.

What you can do
  • Run US tax estimates: self-employment, freelancer, 1099-K, capital gains, payroll, estate, quarterly payments, refunds, W-2 vs 1099 comparisons and pay-raise impact
  • Plan personal finances: mortgages, car and student loans, compound interest, retirement, 401(k) vs Roth, life insurance, home equity, rental ROI and affordability
  • Size business and marketing numbers: sales tax rates, economic nexus, tariffs, LLC costs, dropshipping and reseller profit, freelancer pricing, margins, break-even and ad ROI
  • Audit MCP servers: estimate context-window token cost, compress tool definitions, score trust, check against the OWASP MCP Top 10, and generate or validate a Server Card
  • Advise on tool portfolios…
When to use it
Useful when you want an assistant to produce quick US tax, loan, investment or small-business cost estimates without doing the arithmetic itself, or when you are building and reviewing MCP servers and need context-budget, trust, security or Server Card checks.
Requirements
A remote streamable HTTP endpoint; no local install or package. No account is required: 50 tool calls per IP per day are free, and an optional X-API-Key header raises that quota.
Before you install
The tax, loan and business figures are estimates based on data the server fetches from a CDN, not professional tax or financial advice, and rules such as the stated 2026 estate exemption may change. The optional X-API-Key header is a secret and should be kept out of shared configs. Inputs you send, such as MCP configs and server details, go to a third-party service.

Installation

In SourceWeft

  1. Open FreeToolHub in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/io.github.cavan1977%2Ffreetoolhub/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "freetoolhub": {
      "type": "http",
      "url": "https://freetoolhub.org/api/mcp"
    }
  }
}

README

This repository has no README.

Tools

50

calculate_se_tax

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

ParametersstatenetEarningsrequiredfilingStatus

calculate_freelancer_tax

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

ParametersstategrossIncomerequiredfilingStatusbusinessExpenses

calculate_1099k_tax

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

ParametersstatefilingStatusgrossReceiptsrequiredotherExpensescostOfGoodsSold

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.

ParametersstatesalePricerequiredfilingStatuspurchasePricerequiredordinaryIncomeholdingPeriodDaysrequired

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.

Parametersstatew2SalaryrequiredfilingStatuscontractorRaterequired

get_sales_tax_rate

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

Parametersstaterequiredamount

calculate_payroll_tax

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

ParametersstategrossSalaryrequiredfilingStatusretirementContribution

calculate_estate_tax

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

ParametersestateValuerequiredspousalInheritance

calculate_hsa_fsa_savings

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

ParametersstatefilingStatusmarginalRatefsaContributionhsaContribution

calculate_quarterly_tax

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

ParametersstateannualIncomerequiredfilingStatusbusinessExpenses

check_economic_nexus

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

ParameterstotalSalesrequiredstatesWithSales

calculate_tariff

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

ParametersfreightcategorytariffRateproductValuerequired

calculate_compound_interest

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

ParametersyearsrequiredprincipalrequiredannualRaterequiredinflationRatemonthlyContribution

calculate_mortgage

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

ParametershomePricerequireddownPaymentrequiredinterestRateinsuranceRateloanTermYearspropertyTaxRate

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.

ParametersyearsannualReturnemployerMatchcurrentTaxRaterequiredretirementTaxRaterequiredannualContributionrequired

calculate_car_loan

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

ParameterspricerequiredstatetradeIndownPaymentinterestRaterequiredsalesTaxRateloanTermMonths

calculate_rental_roi

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

ParametersdownPaymentrequiredmonthlyRentrequiredvacancyRateinterestRatepropertyValuerequiredmanagementRate

calculate_student_loan

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

ParametersloanAmountrequiredextraPaymentinterestRaterequiredloanTermYears

calculate_roi

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

ParameterscostrequiredclicksadSpendrevenuerequiredconversions

calculate_life_insurance

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

ParametersdebtsavingschildrenmortgagecollegeFundannualIncomerequiredyearsToReplace

calculate_rental_affordability

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

ParametersmonthlyDebtsmonthlyIncomerequired

calculate_home_equity

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

ParametershomeValuerequiredinterestRateloanTermYearsmortgageBalancerequired

calculate_break_even

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

ParametersfixedCostsrequiredpricePerUnitrequiredtargetProfitvariableCostPerUnitrequired

compare_llc_cost

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

Parametersstateyears

calculate_dropship_profit

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

ParametersplatformsalePricerequiredproductCostrequiredshippingCostadSpendPerOrderrequiredpaymentProcessor

calculate_reseller_profit

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

ParametersstatesalePricerequiredshippingCostpurchasePricerequired

calculate_freelancer_pricing

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

ParametershourlyRaterequiredoverheadPctprojectHoursrequiredprofitMarginPct

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.

ParametersstategrossIncomerequiredfilingStatuspreTaxDeductionsitemizedDeductions

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.

ParametersstatecreditsgrossIncomerequiredfilingStatusstateWithheldfederalWithheldrequiredpreTaxDeductionsitemizedDeductions

calculate_loan

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

ParametersprincipalrequiredtermYearsrequiredinterestRaterequiredextraMonthlyPayment

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.

ParameterscurrentAgerequiredinflationPctrequiredretirementAgerequiredcurrentSavingsrequiredannualReturnPctrequiredwithdrawalRatePctdesiredAnnualIncomerequiredmonthlyContributionrequiredotherRetirementIncome

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.

ParameterscostrequiredpricemarginPctmarkupPctdiscountPct

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.

ParametersstateraisePctraiseAmountfilingStatuscurrentSalaryrequiredpreTaxDeductions

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.

ParametersconfigrequiredcontextWindowreservedForConversation

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.

Parametersdefinitionsrequired

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.

ParametersstarsrepoExistsserverNamehasToolDocsnpmDeprecatedhasInstallConfiginOfficialRegistrydaysSinceLastCommit

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.

ParametersserverNameexecutesCommandshasAuthenticationusesStdioTransporthasHardcodedSecretsperformsFileOperationsrestrictsNetworkEgresshasProvenanceAttestationacceptsUserInputInCommands

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.

ParametersnamerequiredtoolsversiontransportdescriptionrequiredendpointUrlrequiresAuth

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.

Parameterscardrequired

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.

ParameterstoolsrequiredtargetToolCount

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.

ParametersworkloadsrequiredmonthlyBudgetinputPricePerMillionoutputPricePerMillion

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.

ParametersenvurlargscommandserverNamerequired

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.

Parameterslimitqueryrequired

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.

ParametersplanpublicRepolinuxMinutesmacosMinuteswindowsMinutes

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.

ParametersstepsPerRunrequiredrunsPerMonthrequiredworkflowCount

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.

Parametersplatformworkflowsrequired

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.

ParametersrunnerTypemonthlyMinutesrequiredengineerHourlyCostmaintenanceHoursPerMonthrunnerHostingCostPerMonth

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.

ParametersseatsapiModelusageLevelincludeApiBaseline

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.

ParameterstopNprovidercallsPerMonthrequiredminContextWindowinputTokensPerCalloutputTokensPerCall

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?".

ParametersserversrequiredavgTokensPerToolreserveForOutputconversationShare

Version history

1
  1. v2.0.0LatestSep 16, 2026

Score

75% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts

    Declare a GitHub repository with a README, or serve resource_documentation in the OAuth protected-resource metadata.

  • License10 pts

    Declare a license in the repository or the registry entry.