LeaseIQ Pro

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io.github.glennl201/leaseiq-prov1.0.1

Excel-verified lease finance math for AI agents: equipment, solvers, schedules.

Finance & Payments

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calculate_auto_lease

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.

msrpnumber, required

MSRP in dollars, e.g. 45000

terminteger, required

Lease term in months, typically 24, 36, or 48

residualPercentnumber, required

Residual as percent of MSRP, e.g. 58

aprnumber

Annual percentage rate, e.g. 5.4; converted as apr / 2400

docFeenumber

Dealer documentation fee

mileageinteger

Annual mileage allowance (default 12000)

rebatesnumber

Taxed incentives in dollars

taxRatenumber

Sales tax percentage, e.g. 6.625

msdCountinteger

Number of multiple security deposits for money factor reduction

taxMethodstring

State tax method (default 'Monthly')

downPaymentnumber

Cash down / cap cost reduction in dollars

moneyFactornumber

Money factor, e.g. 0.00225. Provide this OR apr

sellingPricenumber

Negotiated selling price (defaults to MSRP)

tradeInEquitynumber

acquisitionFeenumber

Bank acquisition fee, e.g. 895

capitalizeFeesboolean

true = roll fees into payment; false (default) = pay at signing

dispositionFeenumber

Fee charged at lease end

isZeroDriveOffboolean

true = capitalize all upfront costs for $0 due at signing

registrationFeenumber

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calculate_auto_lease

msrpnumber, required

MSRP in dollars, e.g. 45000

terminteger, required

Lease term in months, typically 24, 36, or 48

residualPercentnumber, required

Residual as percent of MSRP, e.g. 58

aprnumber

Annual percentage rate, e.g. 5.4; converted as apr / 2400

docFeenumber

Dealer documentation fee

mileageinteger

Annual mileage allowance (default 12000)

rebatesnumber

Taxed incentives in dollars

taxRatenumber

Sales tax percentage, e.g. 6.625

msdCountinteger

Number of multiple security deposits for money factor reduction

taxMethodstring

State tax method (default 'Monthly')

downPaymentnumber

Cash down / cap cost reduction in dollars

moneyFactornumber

Money factor, e.g. 0.00225. Provide this OR apr

sellingPricenumber

Negotiated selling price (defaults to MSRP)

tradeInEquitynumber

acquisitionFeenumber

Bank acquisition fee, e.g. 895

capitalizeFeesboolean

true = roll fees into payment; false (default) = pay at signing

dispositionFeenumber

Fee charged at lease end

isZeroDriveOffboolean

true = capitalize all upfront costs for $0 due at signing

registrationFeenumber

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Tools (5)

calculate_auto_lease

Argument	Type	Description
apr	number	Annual percentage rate, e.g. 5.4; converted as apr / 2400
msrp*	number	MSRP in dollars, e.g. 45000
term*	integer	Lease term in months, typically 24, 36, or 48
docFee	number	Dealer documentation fee
mileage	integer	Annual mileage allowance (default 12000)
rebates	number	Taxed incentives in dollars
taxRate	number	Sales tax percentage, e.g. 6.625
msdCount	integer	Number of multiple security deposits for money factor reduction
taxMethod	string	State tax method (default 'Monthly')
downPayment	number	Cash down / cap cost reduction in dollars
moneyFactor	number	Money factor, e.g. 0.00225. Provide this OR apr
sellingPrice	number	Negotiated selling price (defaults to MSRP)
tradeInEquity	number
acquisitionFee	number	Bank acquisition fee, e.g. 895
capitalizeFees	boolean	true = roll fees into payment; false (default) = pay at signing
dispositionFee	number	Fee charged at lease end
isZeroDriveOff	boolean	true = capitalize all upfront costs for $0 due at signing
registrationFee	number
residualPercent*	number	Residual as percent of MSRP, e.g. 58

Input schema (JSON)

{
  "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

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.

Argument	Type	Description
rate	number	Annual loan rate percentage (required for finance)
term	integer	Loan term in months (required for finance)
salesTax	number	Upfront sales tax amount in dollars (not a percentage)
downPayment	number
vehiclePrice*	number	Out-the-door vehicle price in dollars
tradeInCredit	number	Trade-in equity applied in dollars
purchaseMethod	string	Default 'finance'

Input schema (JSON)

{
  "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

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).

Argument	Type	Description
steps	array	For Step/Custom structures: ordered payment segments
taxRate	number	Sales tax rate percentage, e.g. 7
leaseTerm*	integer	Lease term in months, e.g. 60
taxMethod	string	Sales tax treatment: 'Exempt' (default), 'Monthly' on top of payment, or 'Upfront' capitalized
skipMonths	array	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	number	Down payment in dollars
fundingDate	string	Funding date YYYY-MM-DD; a gap before leaseStartDate produces interim rent

generate_amortization_schedule

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.

Argument	Type	Description
steps	array	For Step/Custom structures: ordered payment segments
taxRate	number	Sales tax rate percentage, e.g. 7
leaseTerm*	integer	Lease term in months, e.g. 60
taxMethod	string	Sales tax treatment: 'Exempt' (default), 'Monthly' on top of payment, or 'Upfront' capitalized
skipMonths	array	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	number	Down payment in dollars
fundingDate	string	Funding date YYYY-MM-DD; a gap before leaseStartDate produces interim rent

solve_lease_structure

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.

Argument	Type	Description
solveFor*	string	The unknown variable to solve for
leaseTerm	integer	Term in months (omit when solving Term)
interestRate	number	Annual rate percentage (omit when solving Rate)
equipmentCost	number	Equipment cost in dollars (omit when solving PresentValue)
paymentTiming	string
residualValue	number	Residual in dollars (omit when solving ResidualValue)
targetPayment*	number	The known periodic payment amount to solve from
paymentFrequency	string

{ "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 }