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Projected 401k balance with employee contributions capped at 24500 per year, plus an employer match, compounded annually. Use when the user projects a 401k with contributions and an employer match. For a general investment projection use calculate_compound_interest; for TSP use calculate_tsp. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive 401k calculator.
Years to project.
Employer match percent of the matched contribution.
Annual salary in USD.
Percent of salary eligible for the employer match.
Current 401k balance in USD.
Employee contribution percent of salary.
Annual return percent.
Projected 401k balance with employee contributions capped at 24500 per year, plus an employer match, compounded annually. Use when the user projects a 401k with contributions and an employer match. For a general investment projection use calculate_compound_interest; for TSP use calculate_tsp. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive 401k calculator.
| Argument | Type | Description |
|---|---|---|
| years* | number | Years to project. |
| match_pct* | number | Employer match percent of the matched contribution. |
| annual_salary* | number | Annual salary in USD. |
| match_cap_pct* | number | Percent of salary eligible for the employer match. |
| current_balance* | number | Current 401k balance in USD. |
| contribution_pct* | number | Employee contribution percent of salary. |
| annual_return_pct* | number | Annual return percent. |
{
"type": "object",
"required": [
"current_balance",
"annual_salary",
"contribution_pct",
"match_pct",
"match_cap_pct",
"years",
"annual_return_pct"
],
"properties": {
"years": {
"type": "number",
"description": "Years to project."
},
"match_pct": {
"type": "number",
"description": "Employer match percent of the matched contribution."
},
"annual_salary": {
"type": "number",
"description": "Annual salary in USD."
},
"match_cap_pct": {
"type": "number",
"description": "Percent of salary eligible for the employer match."
},
"current_balance": {
"type": "number",
"description": "Current 401k balance in USD."
},
"contribution_pct": {
"type": "number",
"description": "Employee contribution percent of salary."
},
"annual_return_pct": {
"type": "number",
"description": "Annual return percent."
}
}
}Composite, STEM, and ELA scores from the four ACT section scores, each clamped to 1 to 36 exactly as the page does. The composite is the rounded average of the four sections. Use when the user has ACT section scores and wants the composite, STEM and ELA scores. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive ACT Score calculator.
| Argument | Type | Description |
|---|---|---|
| math* | number | Math section score, 1 to 36 (clamped and rounded as on the page). |
| english* | number | English section score, 1 to 36 (clamped and rounded as on the page). |
| reading* | number | Reading section score, 1 to 36 (clamped and rounded as on the page). |
| science* | number | Science section score, 1 to 36 (clamped and rounded as on the page). |
{
"type": "object",
"required": [
"english",
"math",
"reading",
"science"
],
"properties": {
"math": {
"type": "number",
"description": "Math section score, 1 to 36 (clamped and rounded as on the page)."
},
"english": {
"type": "number",
"description": "English section score, 1 to 36 (clamped and rounded as on the page)."
},
"reading": {
"type": "number",
"description": "Reading section score, 1 to 36 (clamped and rounded as on the page)."
},
"science": {
"type": "number",
"description": "Science section score, 1 to 36 (clamped and rounded as on the page)."
}
}
}Maximum home price affordable from household income using the 28/36 rule. Use when the user asks how much house they can afford on their income. For the payment on a specific home price use calculate_mortgage. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive home affordability calculator.
| Argument | Type | Description |
|---|---|---|
| term_years | number | Loan term in years; default 30. |
| down_payment | number | Cash available for down payment in USD. |
| annual_income* | number | Gross yearly household income in USD. |
| monthly_debts | number | Existing monthly debt payments in USD. |
| back_ratio_pct | number | Back-end ratio percent; default 36. |
| annual_rate_pct* | number | Expected mortgage rate percent. |
| front_ratio_pct | number | Front-end ratio percent; default 28. |
Scores all five AFT events (deadlift, hand-release push-ups, sprint-drag-carry, plank, 2-mile run) from 0 to 100 each using the 17-21 anchor tables, for a 500-point total. Combat MOS scoring is sex-neutral and requires 350 total with every event at 60 or above; the general standard requires every event at 60 or above. Use when a soldier provides Army Fitness Test event results and wants the scores and pass or fail. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive AFT calculator.
| Argument | Type | Description |
|---|---|---|
| sex | string | Sex for the scoring tables (ignored for combat, which is sex-neutral). |
| push_ups* | number | Hand-release push-up repetitions in 2 minutes. |
| run_time* | string | 2-mile run time as m:ss (or total seconds). |
| standard | string | Scoring standard: general or combat MOS. |
| plank_time* | string | Plank hold time as m:ss (or total seconds). |
| deadlift_lbs* | number | 3-rep max deadlift weight in pounds. |
| sprint_drag_carry_time |
Exact age from a birth date to a target date, broken into years, months, and days, plus total days lived, total hours lived, the weekday of birth, and days until the next birthday. Use when the user asks an exact age from a birth date, or days lived. For a plain span between two dates use calculate_date_duration. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive age calculator calculator.
| Argument | Type | Description |
|---|---|---|
| birth_date* | string | Date of birth in YYYY-MM-DD format. |
| target_date | string | Date to calculate the age as of, in YYYY-MM-DD format. If omitted, today is used, matching the page. |
{
"type": "object",
"required": [
"birth_date"
],
"properties": {
"birth_date": {
"type": "string",
"description": "Date of birth in YYYY-MM-DD format."
},
"target_date": {
"type": "string",
"description": "Date to calculate the age as of, in YYYY-MM-DD format. If omitted, today is used, matching the page."
}
}
}Predicted AP score from 1 to 5 using the page bands on the weighted composite percent: multiple choice and free response contributions are weighted by the exam split, then banded at 70, 55, 40, and 25 percent. Use when the user estimates an AP exam score from multiple choice and free response results. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive AP Exam Score calculator.
| Argument | Type | Description |
|---|---|---|
| mc_total* | number | Total multiple choice questions. |
| frq_total* | number | Total free response points possible. |
| frq_earned* | number | Free response points earned. |
| mc_correct* | number | Multiple choice questions answered correctly. |
| mc_weight_pct | number | Multiple choice weight percent for the exam (the page presets are 50, 40, 45, and 60 depending on the exam); default 50. |
{
"type": "object",
"required": [
"mc_correct",
"mc_total",
"frq_earned",
"frq_total"
],
"properties": {
"mc_total": {
"type": "number",
"description": "Total multiple choice questions."
},
"frq_total": {
"type": "number",
"description": "Total free response points possible."
},
"frq_earned": {
"type": "number",
"description": "Free response points earned."
},
"mc_correct": {
"type": "number",
"description": "Multiple choice questions answered correctly."
},
"mc_weight_pct": {
"type": "number",
"description": "Multiple choice weight percent for the exam (the page presets are 50, 40, 45, and 60 depending on the exam); default 50."
}
}
}Worst case adjustable rate mortgage simulation with rate caps, compared with a fixed rate loan on total interest, payments, and the breakeven year. Use when the user compares an adjustable rate mortgage with a fixed rate loan, including the worst case. For a standard fixed payment use calculate_mortgage. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive arm vs fixed calculator.
| Argument | Type | Description |
|---|---|---|
| term_years | number | Loan term in years; default 30. |
| loan_amount* | number | Loan amount in USD. |
| fixed_rate_pct* | number | Fixed rate annual percent. |
| initial_cap_pct* | number | First adjustment cap in percentage points. |
| lifetime_cap_pct* | number | Lifetime cap above the start rate in percentage points. |
| periodic_cap_pct* | number | Cap per later adjustment in percentage points. |
| arm_start_rate_pct |
Monthly payment, amount financed, total interest, and total cost of a car for an auto loan after down payment and trade-in value are subtracted from the vehicle price. Use when the user is financing a car purchase and wants the payment and total interest. For whether the car fits their budget use calculate_car_affordability; for leasing use calculate_lease_vs_buy. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive auto loan calculator calculator.
| Argument | Type | Description |
|---|---|---|
| price* | number | Vehicle price in USD. |
| trade_in | number | Trade-in value in USD. |
| term_years* | number | Loan term in years. |
| down_payment | number | Down payment in USD. |
| annual_rate_pct* | number | Annual rate percent, e.g. 6.5. |
| include_schedule | boolean | Set to true to include the yearly amortization schedule. |
{
"type": "object",
"required": [
"price",
"annual_rate_pct",
"term_years"
],
"properties": {
"price": {
"type": "number",
"description": "Vehicle price in USD."
},
"trade_in": {
"type": "number",
"description": "Trade-in value in USD."
},
"term_years": {
"type": "number",
"description": "Loan term in years."
},
"down_payment": {
"type": "number",
"description": "Down payment in USD."
},
"annual_rate_pct": {
"type": "number",
"description": "Annual rate percent, e.g. 6.5."
},
"include_schedule": {
"type": "boolean",
"description": "Set to true to include the yearly amortization schedule."
}
}
}Monthly Basic Allowance for Housing from the 2026 RC/Transient baseline rate table by pay grade, with or without dependents, plus the annualized amount. This is the single national baseline rate; it does not vary by duty station or ZIP code. Use when the user needs a Basic Allowance for Housing baseline rate by pay grade and dependency status. For total monthly military pay use calculate_military_pay. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive BAH calculator.
| Argument | Type | Description |
|---|---|---|
| pay_grade* | string | Pay grade, e.g. E-5 or O-3. O-7+ covers O-7 to O-10. |
| dependents | string | Whether the rate is with or without dependents. |
{
"type": "object",
"required": [
"pay_grade"
],
"properties": {
"pay_grade": {
"enum": [
"E-1",
"E-2",
"E-3",
"E-4",
"E-5",
"E-6",
"E-7",
"E-8",
"E-9",
"W-1",
"W-2",
"W-3",
"W-4",
"W-5",
"O-1",
"O-2",
"O-3",
"O-4",
"O-5",
"O-6",
"O-7+"
],
"type": "string",
"description": "Pay grade, e.g. E-5 or O-3. O-7+ covers O-7 to O-10."
},
"dependents": {
"enum": [
"with",
"without"
],
"type": "string",
"description": "Whether the rate is with or without dependents."
}
}
}Interest and time saved by paying half the monthly mortgage payment every two weeks instead of monthly. Use when the user asks what paying half the mortgage every two weeks saves versus monthly payments. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive biweekly mortgage calculator.
| Argument | Type | Description |
|---|---|---|
| balance* | number | Current mortgage balance in USD. |
| term_years | number | Remaining term in years; default 30. |
| annual_rate_pct* | number | Annual rate percent. |
| current_monthly_payment | number | Current monthly principal and interest payment in USD; leave at 0 to compute it from balance, rate, and term. |
{
"type": "object",
"required": [
"balance",
"annual_rate_pct"
],
"properties": {
"balance": {
"type": "number",
"description": "Current mortgage balance in USD."
},
"term_years": {
"type": "number",
"description": "Remaining term in years; default 30."
},
"annual_rate_pct": {
"type": "number",
"description": "Annual rate percent."
},
"current_monthly_payment": {
"type": "number",
"description": "Current monthly principal and interest payment in USD; leave at 0 to compute it from balance, rate, and term."
}
}
}Body mass index and category, Mifflin-St Jeor basal metabolic rate, total daily energy expenditure, and cut and bulk calorie targets. Use when the user asks about BMI category, maintenance calories, or cut and bulk targets. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive bmi and tdee calculator.
| Argument | Type | Description |
|---|---|---|
| sex | string | Sex used by the BMR formula: m or f. |
| age_years* | number | Age in years. |
| height_cm* | number | Height in centimeters. |
| weight_kg* | number | Weight in kilograms. |
| activity_factor | number | Activity multiplier, for example 1.2 sedentary, 1.55 moderately active, 1.9 extremely active; default 1.55. |
{
"type": "object",
"required": [
"height_cm",
"weight_kg",
"age_years"
],
"properties": {
"sex": {
"enum": [
"m",
"f"
],
"type": "string",
"description": "Sex used by the BMR formula: m or f."
},
"age_years": {
"type": "number",
"description": "Age in years."
},
"height_cm": {
"type": "number",
"description": "Height in centimeters."
},
"weight_kg": {
"type": "number",
"description": "Weight in kilograms."
},
"activity_factor": {
"type": "number",
"description": "Activity multiplier, for example 1.2 sedentary, 1.55 moderately active, 1.9 extremely active; default 1.55."
}
}
}Pension-only comparison of the legacy High-3 system (2.5 percent per year of service) against the Blended Retirement System (2.0 percent per year) on the same high-3 average basic pay: monthly, annual, and 30-year lifetime differences. Excludes TSP matching, continuation pay, COLA, and taxes. Use when a service member compares the legacy High-3 pension with the Blended Retirement System pension. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive BRS vs High-3 calculator.
| Argument | Type | Description |
|---|---|---|
| years_of_service* | number | Years of service, clamped by the page to 20 to 40. |
| high3_monthly_avg* | number | High-3 average monthly basic pay in USD. |
{
"type": "object",
"required": [
"years_of_service",
"high3_monthly_avg"
],
"properties": {
"years_of_service": {
"type": "number",
"description": "Years of service, clamped by the page to 20 to 40."
},
"high3_monthly_avg": {
"type": "number",
"description": "High-3 average monthly basic pay in USD."
}
}
}Federal tax on ordinary income plus short term gains at ordinary rates, with long term gains stacked at the 0, 15, and 20 percent thresholds for the filing status. Use when the user sells or plans to sell investments and needs the federal tax on the gains. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive capital gains tax calculator.
| Argument | Type | Description |
|---|---|---|
| filing_status | string | Filing status: single, mfj (married filing jointly), or hoh (head of household). |
| long_term_gains* | number | Long term capital gains in USD. |
| ordinary_income* | number | Ordinary taxable income in USD, before capital gains. |
| short_term_gains | number | Short term capital gains in USD; default 0. |
{
"type": "object",
"required": [
"ordinary_income",
"long_term_gains"
],
"properties": {
"filing_status": {
"enum": [
"single",
"mfj",
"hoh"
],
"type": "string",
"description": "Filing status: single, mfj (married filing jointly), or hoh (head of household)."
},
"long_term_gains": {
"type": "number",
"description": "Long term capital gains in USD."
},
"ordinary_income": {
"type": "number",
"description": "Ordinary taxable income in USD, before capital gains."
},
"short_term_gains": {
"type": "number",
"description": "Short term capital gains in USD; default 0."
}
}
}Monthly loan payment plus running costs (insurance, fuel, and maintenance, given as annual amounts), total interest, and the five year cost of a car. Use when the user asks what car payment fits their budget including insurance, fuel and maintenance. For loan figures on a specific car use calculate_auto_loan. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive car affordability calculator.
| Argument | Type | Description |
|---|---|---|
| fuel_annual | number | Fuel cost per year in USD; default 0. |
| term_months* | number | Loan term in months. |
| down_payment | number | Down payment in USD; default 0. |
| vehicle_price* | number | Vehicle price in USD. |
| annual_rate_pct* | number | Loan annual rate percent. |
| insurance_annual | number | Insurance cost per year in USD; default 0. |
| maintenance_annual | number | Maintenance cost per year in USD; default 0. |
Rough acceptance chance: a selectivity tier base rate (92, 80, 50, 20, or 5 percent) adjusted by GPA and test score bands, clamped to 1 to 99 percent and labeled Safety, Target, Reach, or High reach. SAT is used when provided, otherwise ACT. Use when the user wants a rough admission chance for a college selectivity tier. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive College Acceptance calculator.
| Argument | Type | Description |
|---|---|---|
| act | number | ACT composite score, used only when no SAT is given, or 0 to leave out; default 0. |
| gpa* | number | Unweighted GPA on the 4.0 scale. |
| sat | number | SAT total score, or 0 to leave out; default 0. |
| tier_base_pct | number | Selectivity tier base rate percent from the page: 92 open admission, 80 less selective, 50 selective, 20 highly selective, 5 most selective; default 20. |
{
"type": "object",
"required": [
"gpa"
],
"properties": {
"act": {
"type": "number",
"description": "ACT composite score, used only when no SAT is given, or 0 to leave out; default 0."
},
"gpa": {
"type": "number",
"description": "Unweighted GPA on the 4.0 scale."
},
"sat": {
"type": "number",
"description": "SAT total score, or 0 to leave out; default 0."
},
"tier_base_pct": {
"type": "number",
"description": "Selectivity tier base rate percent from the page: 92 open admission, 80 less selective, 50 selective, 20 highly selective, 5 most selective; default 20."
}
}
}Payback years, lifetime earnings minus degree cost, and salary to cost ratio for a major, using the page table of approximate median early career salaries by major. Use when the user compares a college major's cost against its earnings payback. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive College Major ROI calculator.
| Argument | Type | Description |
|---|---|---|
| major | string | Major name from the page salary table; default Nursing. |
| degree_cost* | number | Total degree cost in USD. |
| career_years | number | Projected career years; default 30. |
{
"type": "object",
"required": [
"degree_cost"
],
"properties": {
"major": {
"enum": [
"Computer Science",
"Data Science",
"Electrical Engineering",
"Mechanical Engineering",
"Mathematics",
"Economics",
"Physics",
"Information Technology",
"Civil Engineering",
"Finance",
"Nursing",
"Chemistry",
"Accounting",
"Architecture",
"Business Administration",
"Marketing",
"Biology",
"Communications",
"English",
"History",
"Psychology",
"Education (Teaching)"
],
"type": "string",
"description": "Major name from the page salary table; default Nursing."
},
"degree_cost": {
"type": "number",
"description": "Total degree cost in USD."
},
"career_years": {
"type": "number",
"description": "Projected career years; default 30."
}
}
}Earnings premium of a degree salary over a no degree baseline salary, both growing at the same annual raise rate, plus the net gain after degree cost, the break-even year, and the return multiple on cost. Use when the user asks whether a degree pays off versus the no-degree baseline. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive College ROI calculator.
| Argument | Type | Description |
|---|---|---|
| years | number | Working years to project; default 10. |
| total_cost* | number | Total degree cost in USD. |
| baseline_salary* | number | Starting yearly salary without the degree in USD. |
| starting_salary* | number | Starting yearly salary with the degree in USD. |
| annual_raise_pct | number | Annual raise percent applied to both salaries; default 3. |
{
"type": "object",
"required": [
"total_cost",
"starting_salary",
"baseline_salary"
],
"properties": {
"years": {
"type": "number",
"description": "Working years to project; default 10."
},
"total_cost": {
"type": "number",
"description": "Total degree cost in USD."
},
"baseline_salary": {
"type": "number",
"description": "Starting yearly salary without the degree in USD."
},
"starting_salary": {
"type": "number",
"description": "Starting yearly salary with the degree in USD."
},
"annual_raise_pct": {
"type": "number",
"description": "Annual raise percent applied to both salaries; default 3."
}
}
}Future value of an investment with monthly contributions and monthly compounding. Use when the user asks how savings or an investment grows over time with regular contributions. For a 401k with employer match use calculate_401k; for a retirement balance use calculate_retirement_savings_planner. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive compound interest calculator.
| Argument | Type | Description |
|---|---|---|
| years | number | Projection horizon; default 30, max 100. |
| principal | number | Starting balance in USD. |
| annual_rate_pct* | number | Annual return percent. |
| include_schedule | boolean | Include the yearly growth schedule. |
| monthly_contribution | number | Added at the end of each month in USD. |
{
"type": "object",
"required": [
"annual_rate_pct"
],
"properties": {
"years": {
"type": "number",
"description": "Projection horizon; default 30, max 100."
},
"principal": {
"type": "number",
"description": "Starting balance in USD."
},
"annual_rate_pct": {
"type": "number",
"description": "Annual return percent."
},
"include_schedule": {
"type": "boolean",
"description": "Include the yearly growth schedule."
},
"monthly_contribution": {
"type": "number",
"description": "Added at the end of each month in USD."
}
}
}Months and interest to clear a credit card balance with a fixed monthly payment, compared with adding an extra monthly payment. A payment that never clears the balance returns null months and interest. Use when the user wants to clear a credit card balance and asks how long it takes or how much interest it costs. For several different debts use calculate_debt_payoff. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive credit card payoff calculator.
| Argument | Type | Description |
|---|---|---|
| balance* | number | Card balance in USD. |
| extra_payment | number | Extra payment added each month in USD; default 0. |
| annual_rate_pct* | number | Card APR percent. |
| monthly_payment* | number | Base monthly payment in USD. |
{
"type": "object",
"required": [
"balance",
"annual_rate_pct",
"monthly_payment"
],
"properties": {
"balance": {
"type": "number",
"description": "Card balance in USD."
},
"extra_payment": {
"type": "number",
"description": "Extra payment added each month in USD; default 0."
},
"annual_rate_pct": {
"type": "number",
"description": "Card APR percent."
},
"monthly_payment": {
"type": "number",
"description": "Base monthly payment in USD."
}
}
}Inclusive number of days between two dates, plus business days after optionally excluding weekends and 2026 US federal holidays, calendar weeks, weekend days, and holidays in the range. Use when the user needs the days or business days between two dates. For age from a birth date use calculate_age. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive date duration calculator calculator.
| Argument | Type | Description |
|---|---|---|
| end_date* | string | End date in YYYY-MM-DD format. |
| start_date* | string | Start date in YYYY-MM-DD format. |
| exclude_holidays | boolean | Exclude 2026 US federal holidays from the business day count. |
| exclude_weekends | boolean | Exclude Saturdays and Sundays from the business day count. The page has this checked by default. |
{
"type": "object",
"required": [
"start_date",
"end_date"
],
"properties": {
"end_date": {
"type": "string",
"description": "End date in YYYY-MM-DD format."
},
"start_date": {
"type": "string",
"description": "Start date in YYYY-MM-DD format."
},
"exclude_holidays": {
"type": "boolean",
"description": "Exclude 2026 US federal holidays from the business day count."
},
"exclude_weekends": {
"type": "boolean",
"description": "Exclude Saturdays and Sundays from the business day count. The page has this checked by default."
}
}
}Simulates paying off a list of debts month by month with minimum payments plus an extra monthly payment, comparing the avalanche method (highest APR first) with the snowball method (smallest balance first), and reports months to payoff, total interest, payoff order, and the interest and time the avalanche saves. Use when the user has several debts and wants a payoff plan comparing snowball and avalanche. For a single credit card use calculate_credit_card_payoff. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive debt payoff calculator calculator.
| Argument | Type | Description |
|---|---|---|
| debt_aprs* | array | Comma-separated annual percentage rates, in the same order as the balances. |
| debt_names | array | Comma-separated debt names, in the same order as the balances, APRs, and minimums. Blank names fall back to Debt 1, Debt 2, and so on. |
| debt_balances* | array | Comma-separated debt balances in USD, in the same order as the other debt lists. Debts with a balance of 0 are skipped. |
| debt_minimums* | array | Comma-separated minimum monthly payments in USD, in the same order as the balances. |
| extra_payment | number | Extra payment each month on top of the minimums, in USD. |
Compares the annual dorm cost with an apartment: monthly rent over the number of months, plus annual utilities, extra food cost, and commuting cost. Returns both annual totals, the difference, and which is cheaper. Use when a student compares annual dorm cost with renting an apartment. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Dorm vs Apartment calculator.
| Argument | Type | Description |
|---|---|---|
| months | number | Months of rent per year; default 12. |
| commute_annual* | number | Annual commuting cost for the apartment in USD. |
| dorm_annual_cost* | number | Annual dorm cost in USD. |
| utilities_annual* | number | Annual utilities cost for the apartment in USD. |
| food_extra_annual* | number | Annual extra food cost versus the dorm meal plan in USD. |
| apartment_monthly_rent* | number | Monthly apartment rent in USD. |
Target emergency fund for a chosen number of months of essential expenses, the remaining gap, percent funded, and months to fill it at a monthly savings rate. Use when the user asks how big an emergency fund should be, or how close they are to the target. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive emergency fund calculator.
| Argument | Type | Description |
|---|---|---|
| current_savings | number | Already saved in USD; default 0. |
| monthly_savings | number | Added per month in USD; default 0. |
| monthly_expenses* | number | Essential monthly expenses in USD. |
| months_of_coverage | number | Months of expenses to cover, typically 3, 6, 9, or 12; default 6. |
{
"type": "object",
"required": [
"monthly_expenses"
],
"properties": {
"current_savings": {
"type": "number",
"description": "Already saved in USD; default 0."
},
"monthly_savings": {
"type": "number",
"description": "Added per month in USD; default 0."
},
"monthly_expenses": {
"type": "number",
"description": "Essential monthly expenses in USD."
},
"months_of_coverage": {
"type": "number",
"description": "Months of expenses to cover, typically 3, 6, 9, or 12; default 6."
}
}
}Simplified Student Aid Index estimate using the page formula: parent income at 22 percent plus parent assets at 12 percent, student income above the 11770 income protection allowance at 50 percent plus student assets at 20 percent, plus an estimated Pell Grant of 7395 minus the SAI, floored at zero. Use when the user estimates their FAFSA Student Aid Index. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive FAFSA SAI Estimator calculator.
| Argument | Type | Description |
|---|---|---|
| parent_assets* | number | Parent assets in USD. |
| parent_income* | number | Parent yearly income in USD. |
| student_assets* | number | Student assets in USD. |
| student_income* | number | Student yearly income in USD. |
{
"type": "object",
"required": [
"parent_income",
"student_income",
"parent_assets",
"student_assets"
],
"properties": {
"parent_assets": {
"type": "number",
"description": "Parent assets in USD."
},
"parent_income": {
"type": "number",
"description": "Parent yearly income in USD."
},
"student_assets": {
"type": "number",
"description": "Student assets in USD."
},
"student_income": {
"type": "number",
"description": "Student yearly income in USD."
}
}
}Score needed on the final exam to reach a desired course grade, with the best and worst possible course grades. Inputs are clamped as on the page: grades to 0 to 100 and the final weight to 1 to 100. Use when the user asks what score they need on a final exam to reach a target course grade. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Final Exam calculator.
| Argument | Type | Description |
|---|---|---|
| final_weight_pct* | number | Final exam weight percent of the course grade. |
| current_grade_pct* | number | Current course grade percent. |
| desired_grade_pct* | number | Desired final course grade percent. |
{
"type": "object",
"required": [
"current_grade_pct",
"desired_grade_pct",
"final_weight_pct"
],
"properties": {
"final_weight_pct": {
"type": "number",
"description": "Final exam weight percent of the course grade."
},
"current_grade_pct": {
"type": "number",
"description": "Current course grade percent."
},
"desired_grade_pct": {
"type": "number",
"description": "Desired final course grade percent."
}
}
}Months of the 36-month Post-9/11 GI Bill entitlement remaining, tuition coverage percent, maximum annual books stipend, and Monthly Housing Allowance treatment for the given benefit tier and enrollment level. Use when the user asks what the Post-9/11 GI Bill covers or how much entitlement remains. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive GI Bill calculator.
| Argument | Type | Description |
|---|---|---|
| tier_pct | string | Post-9/11 GI Bill benefit tier percent based on qualifying service. |
| enrollment | string | Enrollment level: full-time, part-time (over half-time), or half-time or less. |
| months_used | number | Months of entitlement already used, 0 to 36. |
{
"type": "object",
"required": [],
"properties": {
"tier_pct": {
"enum": [
"100",
"90",
"80",
"70",
"60",
"50",
"40"
],
"type": "string",
"description": "Post-9/11 GI Bill benefit tier percent based on qualifying service."
},
"enrollment": {
"enum": [
"full",
"part",
"half"
],
"type": "string",
"description": "Enrollment level: full-time, part-time (over half-time), or half-time or less."
},
"months_used": {
"type": "number",
"description": "Months of entitlement already used, 0 to 36."
}
}
}Credit weighted GPA on the 4.0 scale using the page grade points: A+ and A 4.0, A- 3.7, B+ 3.3, B 3.0, B- 2.7, C+ 2.3, C 2.0, C- 1.7, D+ 1.3, D 1.0, F 0.0. Grades and credits are matched by position. Use when the user computes a GPA from course grades and credits. To plan grades for a target GPA use calculate_gpa_planner. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive GPA calculator.
| Argument | Type | Description |
|---|---|---|
| grades* | array | Comma-separated letter grades, e.g. A,B+,A-,B. |
| credits* | array | Comma-separated credit hours matching grades. |
{
"type": "object",
"required": [
"grades",
"credits"
],
"properties": {
"grades": {
"type": "array",
"items": {
"type": "string"
},
"description": "Comma-separated letter grades, e.g. A,B+,A-,B."
},
"credits": {
"type": "array",
"items": {
"type": "number"
},
"description": "Comma-separated credit hours matching grades."
}
}
}Term GPA required over the planned credits to reach a target cumulative GPA, the maximum reachable cumulative GPA with straight As, and the grade mix the required GPA implies, using the page thresholds. Use when the user asks what term GPA they need to reach a target cumulative GPA. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive GPA Planner calculator.
| Argument | Type | Description |
|---|---|---|
| target_gpa* | number | Target cumulative GPA. |
| current_gpa* | number | Current cumulative GPA. |
| current_credits* | number | Credit hours already completed. |
| planned_credits* | number | Credit hours planned this term. |
{
"type": "object",
"required": [
"current_gpa",
"current_credits",
"target_gpa",
"planned_credits"
],
"properties": {
"target_gpa": {
"type": "number",
"description": "Target cumulative GPA."
},
"current_gpa": {
"type": "number",
"description": "Current cumulative GPA."
},
"current_credits": {
"type": "number",
"description": "Credit hours already completed."
},
"planned_credits": {
"type": "number",
"description": "Credit hours planned this term."
}
}
}Annual salary premium after a graduate degree, break-even years on the total cost, and lifetime net over the career years, using the page formulas. Use when the user weighs graduate school cost against the salary premium it brings. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Graduate School ROI calculator.
| Argument | Type | Description |
|---|---|---|
| total_cost* | number | Total graduate degree cost in USD. |
| career_years | number | Career years after graduation; default 20. |
| current_salary* | number | Current yearly salary in USD. |
| post_degree_salary* | number | Expected yearly salary after the degree in USD. |
{
"type": "object",
"required": [
"total_cost",
"current_salary",
"post_degree_salary"
],
"properties": {
"total_cost": {
"type": "number",
"description": "Total graduate degree cost in USD."
},
"career_years": {
"type": "number",
"description": "Career years after graduation; default 20."
},
"current_salary": {
"type": "number",
"description": "Current yearly salary in USD."
},
"post_degree_salary": {
"type": "number",
"description": "Expected yearly salary after the degree in USD."
}
}
}Estimated GRE verbal and quant scores on the 130 to 170 scale: 130 plus the fraction of questions correct times 40, per section, plus the total. The optional writing score is clamped to 0 to 6 as on the page. Use when the user estimates GRE verbal and quant scores from practice results. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive GRE Score Estimator calculator.
| Argument | Type | Description |
|---|---|---|
| quant_total* | number | Total quant questions. |
| verbal_total* | number | Total verbal questions. |
| quant_correct* | number | Quant questions answered correctly. |
| writing_score | number | Analytical writing score, 0 to 6; default 4. |
| verbal_correct* | number | Verbal questions answered correctly. |
{
"type": "object",
"required": [
"verbal_correct",
"verbal_total",
"quant_correct",
"quant_total"
],
"properties": {
"quant_total": {
"type": "number",
"description": "Total quant questions."
},
"verbal_total": {
"type": "number",
"description": "Total verbal questions."
},
"quant_correct": {
"type": "number",
"description": "Quant questions answered correctly."
},
"writing_score": {
"type": "number",
"description": "Analytical writing score, 0 to 6; default 4."
},
"verbal_correct": {
"type": "number",
"description": "Verbal questions answered correctly."
}
}
}Credits still needed per subject against the page requirement table for the selected state (Texas, California, New York, Florida, or Illinois). Remaining per subject is required minus earned, floored at zero. Use when the user checks remaining high school graduation credits by subject and state. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive High School Course Planner calculator.
| Argument | Type | Description |
|---|---|---|
| state | string | State code for the requirement table; default TX. |
| math_credits* | number | Math credits earned. |
| social_credits* | number | Social studies credits earned. |
| english_credits* | number | English credits earned. |
| science_credits* | number | Science credits earned. |
| electives_credits* | number | Elective credits earned. |
{
"type": "object",
"required": [
"english_credits",
"math_credits",
"science_credits",
"social_credits",
"electives_credits"
],
"properties": {
"state": {
"enum": [
"TX",
"CA",
"NY",
"FL",
"IL"
],
"type": "string",
"description": "State code for the requirement table; default TX."
},
"math_credits": {
"type": "number",
"description": "Math credits earned."
},
"social_credits": {
"type": "number",
"description": "Social studies credits earned."
},
"english_credits": {
"type": "number",
"description": "English credits earned."
},
"science_credits": {
"type": "number",
"description": "Science credits earned."
},
"electives_credits": {
"type": "number",
"description": "Elective credits earned."
}
}
}Federal income tax after pretax deductions and the standard deduction for the filing status, with AGI, taxable income, marginal rate, and effective rate. Use when the user wants a federal income tax estimate for a salary. For per-paycheck take-home pay use calculate_paycheck. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive income tax estimator calculator.
| Argument | Type | Description |
|---|---|---|
| gross_income* | number | Gross annual income in USD. |
| filing_status | string | Filing status: single, mfj (married filing jointly), or hoh (head of household). |
| pretax_deductions | number | Pretax deductions in USD; default 0. |
{
"type": "object",
"required": [
"gross_income"
],
"properties": {
"gross_income": {
"type": "number",
"description": "Gross annual income in USD."
},
"filing_status": {
"enum": [
"single",
"mfj",
"hoh"
],
"type": "string",
"description": "Filing status: single, mfj (married filing jointly), or hoh (head of household)."
},
"pretax_deductions": {
"type": "number",
"description": "Pretax deductions in USD; default 0."
}
}
}What an amount in today's dollars will buy after a number of years at a given annual inflation rate, what today's basket will cost then, the cumulative price increase percent, and the purchasing power lost. Use when the user asks what money will be worth in the future, or what a future amount costs in today's dollars. For whether a raise keeps up use calculate_raise_vs_inflation. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive inflation calculator calculator.
| Argument | Type | Description |
|---|---|---|
| years | number | Years into the future. |
| amount* | number | Amount in today's dollars. |
| annual_rate_pct* | number | Annual inflation rate percent, e.g. 3. |
| include_schedule | boolean | Set to true to include the purchasing power schedule in 5 year steps (or about 6 steps for longer horizons), matching the page table. |
{
"type": "object",
"required": [
"amount",
"annual_rate_pct"
],
"properties": {
"years": {
"type": "number",
"description": "Years into the future."
},
"amount": {
"type": "number",
"description": "Amount in today's dollars."
},
"annual_rate_pct": {
"type": "number",
"description": "Annual inflation rate percent, e.g. 3."
},
"include_schedule": {
"type": "boolean",
"description": "Set to true to include the purchasing power schedule in 5 year steps (or about 6 steps for longer horizons), matching the page table."
}
}
}Lease outlay over the lease term versus buy outlay net of equity in the car at the same point, with the winning option and the net cost difference. Use when the user compares leasing a car against buying it. For loan-only figures use calculate_auto_loan. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive lease vs buy calculator.
| Argument | Type | Description |
|---|---|---|
| msrp* | number | Vehicle MSRP in USD. |
| buy_rate_pct* | number | Buy loan annual rate percent. |
| lease_months* | number | Lease term in months. |
| money_factor | number | Lease money factor, for example 0.0025; default 0. |
| residual_pct* | number | Residual value as a percent of MSRP at lease end. |
| buy_term_months* | number | Buy loan term in months. |
| buy_down_payment | number | Buy down payment in USD; default 0. |
Net pay from a Leave and Earnings Statement: sums the entitlement lines (base pay, BAH, BAS, other) and deduction lines (federal tax, FICA, state tax, SGLI, TSP, other), and returns net pay plus deductions as a percent of entitlements. Negative line items count as zero, as on the page. Use when the user has Leave and Earnings Statement lines and wants the net pay explained. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive LES decoder calculator.
| Argument | Type | Description |
|---|---|---|
| bah | number | BAH entitlement in USD. |
| bas | number | BAS entitlement in USD. |
| tsp | number | TSP deduction in USD. |
| fica | number | FICA deduction in USD. |
| sgli | number | SGLI deduction in USD. |
| base_pay | number | Base pay entitlement in USD. |
| state_tax | number | State tax deduction in USD. |
| federal_tax | number | Federal tax deduction in USD. |
Monthly payment, total interest, and optional amortization schedule for an amortizing loan. Use when the user wants the payment, total interest or payoff schedule for a generic loan. For cars use calculate_auto_loan; for homes calculate_mortgage; for student debt calculate_student_loan_payoff. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive loan calculator.
| Argument | Type | Description |
|---|---|---|
| principal* | number | Amount borrowed in USD. |
| term_years* | number | Term in years. |
| annual_rate_pct* | number | Annual rate percent. |
| include_schedule | boolean | Include the yearly amortization schedule. |
{
"type": "object",
"required": [
"principal",
"annual_rate_pct",
"term_years"
],
"properties": {
"principal": {
"type": "number",
"description": "Amount borrowed in USD."
},
"term_years": {
"type": "number",
"description": "Term in years."
},
"annual_rate_pct": {
"type": "number",
"description": "Annual rate percent."
},
"include_schedule": {
"type": "boolean",
"description": "Include the yearly amortization schedule."
}
}
}Estimated LSAT scaled score on the 120 to 180 scale: 120 plus the overall fraction correct across the three sections times 60, with accuracy and the page score band. Use when the user estimates an LSAT scaled score from practice section results. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive LSAT Score Estimator calculator.
| Argument | Type | Description |
|---|---|---|
| section1_total* | number | Total section 1 questions. |
| section2_total* | number | Total section 2 questions. |
| section3_total* | number | Total section 3 questions. |
| section1_correct* | number | Section 1 questions answered correctly. |
| section2_correct* | number | Section 2 questions answered correctly. |
| section3_correct* | number | Section 3 questions answered correctly. |
Estimated MCAT section scores on the 118 to 132 scale: 118 plus the fraction correct times 14, per section, plus the total on the 472 to 528 scale. Use when the user estimates MCAT section scores from practice results. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive MCAT Score Estimator calculator.
| Argument | Type | Description |
|---|---|---|
| section1_total* | number | Total section 1 questions. |
| section2_total* | number | Total section 2 questions. |
| section3_total* | number | Total section 3 questions. |
| section4_total* | number | Total section 4 questions. |
| section1_correct* | number | Section 1 questions answered correctly. |
| section2_correct* | number | Section 2 questions answered correctly. |
| section3_correct* | number |
Monthly basic pay from the 2026 pay table for a pay grade and years of service, plus the annualized amount. Grade E1B is the special E-1 rate for the first 4 months of service. Combinations the table does not authorize return authorized=false with null pay. Use when the user wants basic pay for a pay grade and years of service from the 2026 table. For housing allowance use calculate_bah. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive military pay calculator.
| Argument | Type | Description |
|---|---|---|
| pay_grade* | string | Pay grade. E1B means E-1 with under 4 months of service. |
| years_of_service* | number | Years of service. |
{
"type": "object",
"required": [
"pay_grade",
"years_of_service"
],
"properties": {
"pay_grade": {
"enum": [
"E1B",
"E-1",
"E-2",
"E-3",
"E-4",
"E-5",
"E-6",
"E-7",
"E-8",
"E-9",
"W-1",
"W-2",
"W-3",
"W-4",
"W-5",
"O-1",
"O-2",
"O-3",
"O-4",
"O-5",
"O-6",
"O-7",
"O-8",
"O-9",
"O-10"
],
"type": "string",
"description": "Pay grade. E1B means E-1 with under 4 months of service."
},
"years_of_service": {
"type": "number",
"description": "Years of service."
}
}
}Monthly retired pay estimate: years of service times the system multiplier (2.0 percent per year for BRS, 2.5 percent per year for High-3) times the high-3 average monthly basic pay, before taxes, plus annual and 20-year lifetime amounts. Use when the user estimates monthly military retired pay. For a BRS versus High-3 comparison use calculate_brs_vs_high3. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive military retirement pension calculator.
| Argument | Type | Description |
|---|---|---|
| system | string | Retirement system: brs (2.0 percent per year) or high3 (2.5 percent per year). |
| years_of_service* | number | Years of service. |
| high3_monthly_avg* | number | High-3 average monthly basic pay in USD. |
{
"type": "object",
"required": [
"years_of_service",
"high3_monthly_avg"
],
"properties": {
"system": {
"enum": [
"brs",
"high3"
],
"type": "string",
"description": "Retirement system: brs (2.0 percent per year) or high3 (2.5 percent per year)."
},
"years_of_service": {
"type": "number",
"description": "Years of service."
},
"high3_monthly_avg": {
"type": "number",
"description": "High-3 average monthly basic pay in USD."
}
}
}Monthly mortgage payment breakdown: principal and interest via the amortization formula, plus property tax, homeowner insurance, PMI, and HOA. Use when the user is buying a home and wants the full monthly payment including tax, insurance, PMI and HOA. For a plain loan without housing costs use calculate_loan; for the most they can afford use calculate_affordability. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive mortgage calculator.
| Argument | Type | Description |
|---|---|---|
| home_price* | number | Purchase price in USD. |
| term_years | number | Loan term in years; default 30. |
| hoa_monthly | number | Monthly HOA dues in USD. |
| pmi_rate_pct | number | Annual PMI rate percent; default 0.5. |
| annual_rate_pct* | number | Annual interest rate percent, e.g. 6.5. |
| down_payment_pct | number | Down payment percent; default 20. |
| down_payment_usd | number | Down payment in USD (wins over down_payment_pct). |
Net worth, total assets, and total liabilities from comma separated asset and liability values, with optional matching names for the largest asset and liability. Only positive values count, as on the page. Use when the user lists assets and debts and wants their net worth. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive net worth calculator.
| Argument | Type | Description |
|---|---|---|
| asset_names | array | Asset names, comma separated, in the same order as asset_values. |
| asset_values* | array | Asset values in USD, comma separated, in the same order as asset_names. |
| liability_names | array | Liability names, comma separated, in the same order as liability_values. |
| liability_values* | array | Liability values in USD, comma separated, in the same order as liability_names. |
{
"type": "object",
"required": [
"asset_values",
"liability_values"
],
"properties": {
"asset_names": {
"type": "array",
"items": {
"type": "string"
},
"description": "Asset names, comma separated, in the same order as asset_values."
},
"asset_values": {
"type": "array",
"items": {
"type": "number"
},
"description": "Asset values in USD, comma separated, in the same order as asset_names."
},
"liability_names": {
"type": "array",
"items": {
"type": "string"
},
"description": "Liability names, comma separated, in the same order as liability_values."
},
"liability_values": {
"type": "array",
"items": {
"type": "number"
},
"description": "Liability values in USD, comma separated, in the same order as liability_names."
}
}
}Per paycheck net pay after federal income tax, FICA (Social Security capped at 184500 of wages, Medicare, and the additional Medicare tax), a flat state tax rate, and pretax deductions. Use when the user wants take-home pay per paycheck after federal tax and FICA. For an annual tax picture use calculate_income_tax_estimator. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive paycheck calculator.
| Argument | Type | Description |
|---|---|---|
| annual_salary* | number | Annual salary in USD. |
| filing_status | string | Filing status: single, mfj (married filing jointly), or hoh (head of household). |
| pay_frequency | number | Paychecks per year: 52 weekly, 26 biweekly, 24 semimonthly, or 12 monthly; default 26. |
| pretax_deductions | number | Annual pretax deductions in USD; default 0. |
| state_tax_rate_pct* | number | Flat state tax rate percent, applied to the full salary as on the page. |
{
"type": "object",
"required": [
"annual_salary",
"state_tax_rate_pct"
],
"properties": {
"annual_salary": {
"type": "number",
"description": "Annual salary in USD."
},
"filing_status": {
"enum": [
"single",
"mfj",
"hoh"
],
"type": "string",
"description": "Filing status: single, mfj (married filing jointly), or hoh (head of household)."
},
"pay_frequency": {
"type": "number",
"description": "Paychecks per year: 52 weekly, 26 biweekly, 24 semimonthly, or 12 monthly; default 26."
},
"pretax_deductions": {
"type": "number",
"description": "Annual pretax deductions in USD; default 0."
},
"state_tax_rate_pct": {
"type": "number",
"description": "Flat state tax rate percent, applied to the full salary as on the page."
}
}
}Estimated PCS move money: Dislocation Allowance (DLA) plus Temporary Lodging Expense (TLE, days capped at 21) plus the gross Personally Procured Move (PPM) reimbursement, with the PPM profit after moving costs. Use when the user is planning a PCS move and wants DLA, TLE and per diem estimates. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive PCS move calculator.
| Argument | Type | Description |
|---|---|---|
| dla | number | Dislocation Allowance in USD. |
| ppm_rate | number | PPM reimbursement rate per pound in USD. |
| tle_days | number | Temporary Lodging Expense days, capped at 21. |
| tle_rate | number | Daily TLE rate in USD. |
| ppm_costs | number | Actual PPM moving costs in USD. |
| ppm_weight | number | PPM shipment weight in pounds. |
{
"type": "object",
"required": [],
"properties": {
"dla": {
"type": "number",
"description": "Dislocation Allowance in USD."
},
"ppm_rate": {
"type": "number",
"description": "PPM reimbursement rate per pound in USD."
},
"tle_days": {
"type": "number",
"description": "Temporary Lodging Expense days, capped at 21."
},
"tle_rate": {
"type": "number",
"description": "Daily TLE rate in USD."
},
"ppm_costs": {
"type": "number",
"description": "Actual PPM moving costs in USD."
},
"ppm_weight": {
"type": "number",
"description": "PPM shipment weight in pounds."
}
}
}Percentage calculations in three modes: percent_of (x percent of y), what_percent (x is what percent of y), percent_change (change from old to new). Use when the user needs a percent-of, what-percent or percent-change calculation with no financial product attached. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive percentage calculator.
| Argument | Type | Description |
|---|---|---|
| x | number | For percent_of: the percent. For what_percent: the part. |
| y | number | For percent_of: the whole. For what_percent: the whole. |
| new | number | For percent_change: the ending value. |
| old | number | For percent_change: the starting value. |
| mode* | string | Which percentage calculation to perform. |
{
"type": "object",
"required": [
"mode"
],
"properties": {
"x": {
"type": "number",
"description": "For percent_of: the percent. For what_percent: the part."
},
"y": {
"type": "number",
"description": "For percent_of: the whole. For what_percent: the whole."
},
"new": {
"type": "number",
"description": "For percent_change: the ending value."
},
"old": {
"type": "number",
"description": "For percent_change: the starting value."
},
"mode": {
"enum": [
"percent_of",
"what_percent",
"percent_change"
],
"type": "string",
"description": "Which percentage calculation to perform."
}
}
}Progress across the 13 premed prerequisites on the page, in page order: General Chemistry I and II, Organic Chemistry I and II, Biology I and II, Physics I and II, Biochemistry, Psychology, Sociology, Statistics or Calculus, English (1 year). The first 11 are the MCAT core courses. Returns counts done, in progress, and planned, percent done, and whether all core courses are done. Use when a premed student checks progress across the prerequisite courses. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Premed Course Planner calculator.
| Argument | Type | Description |
|---|---|---|
| statuses* | array | Comma-separated status for each of the 13 prerequisites in page order, each one of not, plan, prog, done, e.g. done,done,not,not,done,done,not,not,not,done,not,not,done. |
{
"type": "object",
"required": [
"statuses"
],
"properties": {
"statuses": {
"type": "array",
"items": {
"type": "string"
},
"description": "Comma-separated status for each of the 13 prerequisites in page order, each one of not, plan, prog, done, e.g. done,done,not,not,done,done,not,not,not,done,not,not,done."
}
}
}Annual and monthly property tax from the home value minus any exemption, at the given tax rate, with assessed value and effective rate. Use when the user needs a property tax estimate from a home value and tax rate. For the full mortgage payment use calculate_mortgage. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive property tax estimator calculator.
| Argument | Type | Description |
|---|---|---|
| home_value* | number | Home value in USD. |
| tax_rate_pct* | number | Property tax rate percent. |
| exemption_amount | number | Exemption amount in USD; default 0. |
{
"type": "object",
"required": [
"home_value",
"tax_rate_pct"
],
"properties": {
"home_value": {
"type": "number",
"description": "Home value in USD."
},
"tax_rate_pct": {
"type": "number",
"description": "Property tax rate percent."
},
"exemption_amount": {
"type": "number",
"description": "Exemption amount in USD; default 0."
}
}
}Estimated PSAT section scores: 160 plus the fraction correct times 600, using the page fixed totals of 48 questions per section, plus the total and the page percentile band. Use when the user estimates PSAT section scores from practice results. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive PSAT Score calculator.
| Argument | Type | Description |
|---|---|---|
| math_correct* | number | Math questions answered correctly, out of 48. |
| reading_writing_correct* | number | Reading and writing questions answered correctly, out of 48. |
{
"type": "object",
"required": [
"reading_writing_correct",
"math_correct"
],
"properties": {
"math_correct": {
"type": "number",
"description": "Math questions answered correctly, out of 48."
},
"reading_writing_correct": {
"type": "number",
"description": "Reading and writing questions answered correctly, out of 48."
}
}
}Whether a raise beats inflation: nominal new salary, inflation adjusted real salary, the real percent change, and a real raise, real pay cut, or flat verdict. Use when the user asks whether a raise actually beats inflation in real terms. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive raise vs inflation calculator.
| Argument | Type | Description |
|---|---|---|
| raise_pct* | number | Raise percent. |
| inflation_pct* | number | Inflation percent over the same period. |
| current_salary* | number | Current salary in USD. |
{
"type": "object",
"required": [
"current_salary",
"raise_pct",
"inflation_pct"
],
"properties": {
"raise_pct": {
"type": "number",
"description": "Raise percent."
},
"inflation_pct": {
"type": "number",
"description": "Inflation percent over the same period."
},
"current_salary": {
"type": "number",
"description": "Current salary in USD."
}
}
}Refinance break-even month and lifetime savings of refinancing a loan. Use when the user already has a loan and is weighing a refinance offer; it returns the break-even month and lifetime savings. For a brand-new loan payment use calculate_loan or calculate_mortgage. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive refinance calculator.
| Argument | Type | Description |
|---|---|---|
| balance* | number | Current loan balance in USD. |
| years_left* | number | Years remaining on the current loan. |
| new_rate_pct* | number | Offered annual rate percent. |
| closing_costs | number | Closing costs in USD. |
| new_term_years | number | New loan term in years; default 30. |
| current_rate_pct* | number | Current annual rate percent. |
{
"type": "object",
"required": [
"balance",
"current_rate_pct",
"years_left",
"new_rate_pct"
],
"properties": {
"balance": {
"type": "number",
"description": "Current loan balance in USD."
},
"years_left": {
"type": "number",
"description": "Years remaining on the current loan."
},
"new_rate_pct": {
"type": "number",
"description": "Offered annual rate percent."
},
"closing_costs": {
"type": "number",
"description": "Closing costs in USD."
},
"new_term_years": {
"type": "number",
"description": "New loan term in years; default 30."
},
"current_rate_pct": {
"type": "number",
"description": "Current annual rate percent."
}
}
}Compares the net cost of buying a home (down payment, mortgage payments, tax, insurance, and maintenance, minus principal repaid and appreciation gain) with the total rent paid over the years you plan to stay, and gives a verdict plus the equity built. Use when the user is deciding between renting and buying a home over a period of years. For the buying payment alone use calculate_mortgage. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive rent vs buy calculator calculator.
| Argument | Type | Description |
|---|---|---|
| price* | number | Home price in USD. |
| stay_years | number | Years planning to stay in the home. |
| term_years | number | Loan term in years. |
| monthly_rent* | number | Current monthly rent in USD. |
| annual_rate_pct* | number | Mortgage annual rate percent, e.g. 6.5. |
| maintenance_pct | number | Maintenance per year as a percent of the home value. |
| appreciation_pct | number |
Projected retirement balance from current savings plus monthly contributions with monthly compounding, total contributions, growth, and a 4 percent rule withdrawal figure. Use when the user projects a retirement balance from current savings and monthly contributions. For a 401k with employer match use calculate_401k. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive retirement savings planner calculator.
| Argument | Type | Description |
|---|---|---|
| current_age* | number | Current age in years. |
| retirement_age* | number | Retirement age in years. |
| current_savings | number | Current retirement savings in USD; default 0. |
| annual_return_pct* | number | Annual return percent. |
| monthly_contribution | number | Monthly contribution in USD; default 0. |
{
"type": "object",
"required": [
"current_age",
"retirement_age",
"annual_return_pct"
],
"properties": {
"current_age": {
"type": "number",
"description": "Current age in years."
},
"retirement_age": {
"type": "number",
"description": "Retirement age in years."
},
"current_savings": {
"type": "number",
"description": "Current retirement savings in USD; default 0."
},
"annual_return_pct": {
"type": "number",
"description": "Annual return percent."
},
"monthly_contribution": {
"type": "number",
"description": "Monthly contribution in USD; default 0."
}
}
}Value of converting to a Roth now, with the tax paid out of the converted amount, versus leaving the money in a traditional account taxed at the retirement rate, after growth. Use when the user weighs converting traditional retirement money to a Roth and paying the tax now. For choosing future contributions use calculate_roth_vs_traditional. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive roth conversion calculator.
| Argument | Type | Description |
|---|---|---|
| years* | number | Years of growth after conversion. |
| annual_return_pct* | number | Annual return percent. |
| conversion_amount* | number | Amount considered for conversion in USD. |
| current_tax_rate_pct* | number | Tax rate percent if converting now. |
| retirement_tax_rate_pct* | number | Expected tax rate percent in retirement. |
{
"type": "object",
"required": [
"conversion_amount",
"current_tax_rate_pct",
"retirement_tax_rate_pct",
"years",
"annual_return_pct"
],
"properties": {
"years": {
"type": "number",
"description": "Years of growth after conversion."
},
"annual_return_pct": {
"type": "number",
"description": "Annual return percent."
},
"conversion_amount": {
"type": "number",
"description": "Amount considered for conversion in USD."
},
"current_tax_rate_pct": {
"type": "number",
"description": "Tax rate percent if converting now."
},
"retirement_tax_rate_pct": {
"type": "number",
"description": "Expected tax rate percent in retirement."
}
}
}Compares a Roth and a traditional retirement account at the same pre-tax annual contribution: the Roth invests what is left after tax today and is tax free at withdrawal, the traditional invests the full amount and is taxed at the retirement rate. Reports the winner, both after-tax values, and the tax each side pays. Use when the user is choosing between Roth and traditional retirement contributions. For converting an existing balance use calculate_roth_conversion. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Roth vs traditional calculator calculator.
| Argument | Type | Description |
|---|---|---|
| age | number | Current age in years. |
| retirement_age | number | Retirement age in years. |
| annual_return_pct | number | Expected annual return percent. |
| annual_contribution* | number | Annual contribution before tax, in USD. |
| current_tax_rate_pct | number | Current marginal tax rate percent. |
| retirement_tax_rate_pct | number | Expected tax rate in retirement percent. |
Convert between hourly, daily, weekly, biweekly, monthly, and annual pay. Use when the user converts pay between hourly, weekly and annual figures. For take-home pay after taxes use calculate_paycheck or calculate_income_tax_estimator. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive salary calculator.
| Argument | Type | Description |
|---|---|---|
| mode | string | Whether the input is an hourly rate or an annual salary; default hourly. |
| annual | number | Annual salary in USD (annual mode). |
| hourly | number | Hourly rate in USD (hourly mode). |
| hours_per_week | number | Hours worked per week; default 40. |
{
"type": "object",
"required": [],
"properties": {
"mode": {
"enum": [
"hourly",
"annual"
],
"type": "string",
"description": "Whether the input is an hourly rate or an annual salary; default hourly."
},
"annual": {
"type": "number",
"description": "Annual salary in USD (annual mode)."
},
"hourly": {
"type": "number",
"description": "Hourly rate in USD (hourly mode)."
},
"hours_per_week": {
"type": "number",
"description": "Hours worked per week; default 40."
}
}
}Estimated SAT section scores: 200 plus the fraction correct times 600, using the page fixed totals of 54 reading and writing questions and 44 math questions, plus the total and the page competitiveness band. Use when the user estimates SAT section scores from practice results. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive SAT Score calculator.
| Argument | Type | Description |
|---|---|---|
| math_correct* | number | Math questions answered correctly, out of 44. |
| reading_writing_correct* | number | Reading and writing questions answered correctly, out of 54. |
{
"type": "object",
"required": [
"reading_writing_correct",
"math_correct"
],
"properties": {
"math_correct": {
"type": "number",
"description": "Math questions answered correctly, out of 44."
},
"reading_writing_correct": {
"type": "number",
"description": "Reading and writing questions answered correctly, out of 54."
}
}
}Monthly payment for an SBA loan with the guarantee fee percent financed into the loan, plus the amount financed, total interest, and total cost. Use when the user is pricing an SBA small business loan including the guarantee fee. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive sba loan calculator.
| Argument | Type | Description |
|---|---|---|
| term_years* | number | Term in years. |
| loan_amount* | number | Loan amount in USD. |
| annual_rate_pct* | number | Annual rate percent. |
| guarantee_fee_pct | number | Guarantee fee percent of the loan amount, financed into the loan; default 0. |
{
"type": "object",
"required": [
"loan_amount",
"annual_rate_pct",
"term_years"
],
"properties": {
"term_years": {
"type": "number",
"description": "Term in years."
},
"loan_amount": {
"type": "number",
"description": "Loan amount in USD."
},
"annual_rate_pct": {
"type": "number",
"description": "Annual rate percent."
},
"guarantee_fee_pct": {
"type": "number",
"description": "Guarantee fee percent of the loan amount, financed into the loan; default 0."
}
}
}Expected value of a scholarship application (award times win probability, clamped to 0 to 100 percent) and its expected value per hour of work, with the page verdict comparing that rate with an hourly wage. Use when the user weighs whether a scholarship application is worth the time, or ranks several by expected value. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Scholarship ROI Tracker calculator.
| Argument | Type | Description |
|---|---|---|
| hours* | number | Hours the application takes. |
| hourly_wage* | number | Hourly wage of the job the time could go to instead, in USD. |
| award_amount* | number | Scholarship award amount in USD. |
| win_probability_pct* | number | Estimated win probability percent. |
{
"type": "object",
"required": [
"award_amount",
"win_probability_pct",
"hours",
"hourly_wage"
],
"properties": {
"hours": {
"type": "number",
"description": "Hours the application takes."
},
"hourly_wage": {
"type": "number",
"description": "Hourly wage of the job the time could go to instead, in USD."
},
"award_amount": {
"type": "number",
"description": "Scholarship award amount in USD."
},
"win_probability_pct": {
"type": "number",
"description": "Estimated win probability percent."
}
}
}Cost comparison of SGLI (0.06 USD per 1,000 USD of coverage per month plus a 1 USD monthly fee) against a private term premium over the given number of years: monthly and total SGLI cost, total private cost, and which is cheaper. The page's age field is not used by its calculation and is not a parameter here. Use when the user compares SGLI coverage cost with a private life insurance quote. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive SGLI vs private insurance calculator.
| Argument | Type | Description |
|---|---|---|
| years* | number | Comparison horizon in years (minimum 1, as on the page). |
| coverage* | number | Life insurance coverage amount in USD. |
| private_monthly* | number | Private term insurance monthly premium in USD. |
{
"type": "object",
"required": [
"coverage",
"private_monthly",
"years"
],
"properties": {
"years": {
"type": "number",
"description": "Comparison horizon in years (minimum 1, as on the page)."
},
"coverage": {
"type": "number",
"description": "Life insurance coverage amount in USD."
},
"private_monthly": {
"type": "number",
"description": "Private term insurance monthly premium in USD."
}
}
}Primary insurance amount from the bend point formula (1286 and 7749) applied to average indexed monthly earnings, with monthly benefits at ages 62, 67, and 70. Annual earnings, when given above 0, override AIME as annual divided by 12. Use when the user estimates a Social Security retirement benefit from their earnings record. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive social security estimator calculator.
| Argument | Type | Description |
|---|---|---|
| aime_monthly* | number | Average indexed monthly earnings in USD. |
| annual_earnings | number | Annual earnings in USD; when above 0 it overrides aime_monthly. Default 0. |
{
"type": "object",
"required": [
"aime_monthly"
],
"properties": {
"aime_monthly": {
"type": "number",
"description": "Average indexed monthly earnings in USD."
},
"annual_earnings": {
"type": "number",
"description": "Annual earnings in USD; when above 0 it overrides aime_monthly. Default 0."
}
}
}Monthly budget from job, parent, and aid income against rent, food, books, transport, and fun spending. Returns total income, total expenses, the balance, and the largest category with its share of expenses. Use when a student builds a monthly budget from income against rent, food, books, transport and fun spending. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Student Budget calculator.
| Argument | Type | Description |
|---|---|---|
| fun* | number | Monthly fun and entertainment spending in USD. |
| food* | number | Monthly food spending in USD. |
| rent* | number | Monthly rent in USD. |
| books* | number | Monthly books and supplies spending in USD. |
| transport* | number | Monthly transport spending in USD. |
| aid_income* | number | Monthly financial aid income in USD. |
| job_income* | number |
Months to pay off a student loan and the total interest, computed month by month exactly as the page does. With an extra monthly payment, also returns the interest and months saved. Returns null fields and never_payoff true when the payment does not cover monthly interest. Payoff dates are not returned because the page derives them from the current date. Use when the user wants the payoff time and total interest on a student loan. For other loans use calculate_loan. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Student Loan Payoff calculator.
| Argument | Type | Description |
|---|---|---|
| apr_pct* | number | Annual percentage rate percent. |
| balance* | number | Loan balance in USD. |
| extra_payment | number | Extra monthly payment in USD; default 100, the page default. |
| monthly_payment* | number | Monthly payment in USD. |
{
"type": "object",
"required": [
"balance",
"apr_pct",
"monthly_payment"
],
"properties": {
"apr_pct": {
"type": "number",
"description": "Annual percentage rate percent."
},
"balance": {
"type": "number",
"description": "Loan balance in USD."
},
"extra_payment": {
"type": "number",
"description": "Extra monthly payment in USD; default 100, the page default."
},
"monthly_payment": {
"type": "number",
"description": "Monthly payment in USD."
}
}
}Net cost of buying new, buying used, renting, and digital for a textbook. Purchase options are reduced by the resale value (floored at zero), and the cheapest option is returned. Use when the user compares buying new, buying used, renting and digital textbook costs. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Textbook Cost calculator.
| Argument | Type | Description |
|---|---|---|
| rent_price* | number | Rental price in USD. |
| resale_value* | number | Expected resale value after the term in USD. |
| buy_new_price* | number | Price to buy the book new in USD. |
| digital_price* | number | Digital edition price in USD. |
| buy_used_price* | number | Price to buy the book used in USD. |
{
"type": "object",
"required": [
"buy_new_price",
"buy_used_price",
"rent_price",
"digital_price",
"resale_value"
],
"properties": {
"rent_price": {
"type": "number",
"description": "Rental price in USD."
},
"resale_value": {
"type": "number",
"description": "Expected resale value after the term in USD."
},
"buy_new_price": {
"type": "number",
"description": "Price to buy the book new in USD."
},
"digital_price": {
"type": "number",
"description": "Digital edition price in USD."
},
"buy_used_price": {
"type": "number",
"description": "Price to buy the book used in USD."
}
}
}Tip amount, bill total, and per-person split. Use when the user is tipping or splitting a restaurant bill. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive tip calculator.
| Argument | Type | Description |
|---|---|---|
| bill* | number | Bill amount in USD. |
| people | number | Number of people; default 1. |
| tip_pct | number | Tip percent; default 20. |
{
"type": "object",
"required": [
"bill"
],
"properties": {
"bill": {
"type": "number",
"description": "Bill amount in USD."
},
"people": {
"type": "number",
"description": "Number of people; default 1."
},
"tip_pct": {
"type": "number",
"description": "Tip percent; default 20."
}
}
}Credits remaining, terms remaining at the credits taken per term, years remaining at the terms per year, and credits per year. The graduation date label is not returned because the page derives it from the current date. Use when the user plans how transfer credits change their remaining time to degree. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive Transfer Credit Planner calculator.
| Argument | Type | Description |
|---|---|---|
| terms_per_year | number | Terms per year; default 2. |
| credits_per_term* | number | Credits taken per term. |
| required_credits* | number | Total credits required for the degree. |
| completed_credits* | number | Credits already completed or transferred. |
{
"type": "object",
"required": [
"required_credits",
"completed_credits",
"credits_per_term"
],
"properties": {
"terms_per_year": {
"type": "number",
"description": "Terms per year; default 2."
},
"credits_per_term": {
"type": "number",
"description": "Credits taken per term."
},
"required_credits": {
"type": "number",
"description": "Total credits required for the degree."
},
"completed_credits": {
"type": "number",
"description": "Credits already completed or transferred."
}
}
}Projected TSP balance with annual employee contributions (capped at the 24,500 USD elective deferral limit used by the page) plus, when matching is on, the BRS agency contribution: 1 percent automatic plus a match of 100 percent of the first 3 percent of pay and 50 percent of the next 2 percent. Contributions are treated as annual amounts compounded with the starting balance, as on the page. The page's Roth percent field is not used by its calculation and is not a parameter here. Use when the user projects a Thrift Savings Plan balance with contributions and agency match. For a civilian 401k use calculate_401k. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive TSP calculator.
| Argument | Type | Description |
|---|---|---|
| years* | number | Projection horizon in years. |
| salary* | number | Annual salary (basic pay basis) in USD. |
| balance | number | Current TSP balance in USD. |
| match_on | boolean | Whether BRS agency automatic and matching contributions apply. |
| return_pct* | number | Annual return percent. |
| contrib_pct* | number | Employee contribution percent of salary. |
Converts a value between units in one category: length, weight, temperature, volume, or speed. Returns the converted result in the page's display precision, the value in base units, and the conversion rate (null for temperature, which uses an offset scale). Unit codes must belong to the chosen category. Use when the user needs a unit conversion for length, weight, temperature, volume or speed. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive unit converter calculator.
| Argument | Type | Description |
|---|---|---|
| value* | number | Value to convert. |
| to_unit | string | Unit code to convert to. Must be a unit of the chosen category, using the same code lists as from_unit. |
| category | string | Unit category to convert within. |
| from_unit | string | Unit code to convert from. Must be a unit of the chosen category: length m, km, cm, mi, ft, in; weight kg, g, lb, oz; temperature C, F, K; volume L, mL, gal, floz; speed ms, kmh, mph. |
{
"type": "object",
"required": [
"value"
],
"properties": {
"value": {
"type": "number",
"description": "Value to convert."
},
"to_unit": {
"enum": [
"m",
"km",
"cm",
"mi",
"ft",
"in",
"kg",
"g",
"lb",
"oz",
"C",
"F",
"K",
"L",
"mL",
"gal",
"floz",
"ms",
"kmh",
"mph"
],
"type": "string",
"description": "Unit code to convert to. Must be a unit of the chosen category, using the same code lists as from_unit."
},
"category": {
"enum": [
"length",
"weight",
"temperature",
"volume",
"speed"
],
"type": "string",
"description": "Unit category to convert within."
},
"from_unit": {
"enum": [
"m",
"km",
"cm",
"mi",
"ft",
"in",
"kg",
"g",
"lb",
"oz",
"C",
"F",
"K",
"L",
"mL",
"gal",
"floz",
"ms",
"kmh",
"mph"
],
"type": "string",
"description": "Unit code to convert from. Must be a unit of the chosen category: length m, km, cm, mi, ft, in; weight kg, g, lb, oz; temperature C, F, K; volume L, mL, gal, floz; speed ms, kmh, mph."
}
}
}Monthly VA disability compensation from the 2026 rates (2.8 percent COLA, effective Dec 1, 2025) for a combined rating from 10 to 100 percent and a dependent status, plus the annualized amount. Dependency add-ons begin at 30 percent. Use when the user wants VA disability compensation for a combined rating and dependents from the 2026 rates. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive VA disability calculator.
| Argument | Type | Description |
|---|---|---|
| rating* | string | VA combined disability rating percent. |
| dependents | string | Dependent status: alone, spouse, spouseChild, spouse2Children, or vetChild. |
{
"type": "object",
"required": [
"rating"
],
"properties": {
"rating": {
"enum": [
"10",
"20",
"30",
"40",
"50",
"60",
"70",
"80",
"90",
"100"
],
"type": "string",
"description": "VA combined disability rating percent."
},
"dependents": {
"enum": [
"alone",
"spouse",
"spouseChild",
"spouse2Children",
"vetChild"
],
"type": "string",
"description": "Dependent status: alone, spouse, spouseChild, spouse2Children, or vetChild."
}
}
}Counts words, characters, characters excluding whitespace, sentences, and paragraphs in a block of text, plus estimated reading time at 200 words per minute and speaking time at 130 words per minute. Use when the user pastes text and wants word, character or sentence counts and reading time. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive word counter calculator.
| Argument | Type | Description |
|---|---|---|
| text* | string | The text to count. |
{
"type": "object",
"required": [
"text"
],
"properties": {
"text": {
"type": "string",
"description": "The text to count."
}
}
}{
"type": "object",
"required": [
"annual_income",
"annual_rate_pct"
],
"properties": {
"term_years": {
"type": "number",
"description": "Loan term in years; default 30."
},
"down_payment": {
"type": "number",
"description": "Cash available for down payment in USD."
},
"annual_income": {
"type": "number",
"description": "Gross yearly household income in USD."
},
"monthly_debts": {
"type": "number",
"description": "Existing monthly debt payments in USD."
},
"back_ratio_pct": {
"type": "number",
"description": "Back-end ratio percent; default 36."
},
"annual_rate_pct": {
"type": "number",
"description": "Expected mortgage rate percent."
},
"front_ratio_pct": {
"type": "number",
"description": "Front-end ratio percent; default 28."
}
}
}| string |
| Sprint-drag-carry time as m:ss (or total seconds). |
{
"type": "object",
"required": [
"deadlift_lbs",
"push_ups",
"sprint_drag_carry_time",
"plank_time",
"run_time"
],
"properties": {
"sex": {
"enum": [
"male",
"female"
],
"type": "string",
"description": "Sex for the scoring tables (ignored for combat, which is sex-neutral)."
},
"push_ups": {
"type": "number",
"description": "Hand-release push-up repetitions in 2 minutes."
},
"run_time": {
"type": "string",
"description": "2-mile run time as m:ss (or total seconds)."
},
"standard": {
"enum": [
"general",
"combat"
],
"type": "string",
"description": "Scoring standard: general or combat MOS."
},
"plank_time": {
"type": "string",
"description": "Plank hold time as m:ss (or total seconds)."
},
"deadlift_lbs": {
"type": "number",
"description": "3-rep max deadlift weight in pounds."
},
"sprint_drag_carry_time": {
"type": "string",
"description": "Sprint-drag-carry time as m:ss (or total seconds)."
}
}
}| number |
| ARM starting annual percent. |
| fixed_period_years* | number | Years before the ARM first adjusts. |
| fully_indexed_rate_pct* | number | Fully indexed annual percent the ARM can adjust toward. |
{
"type": "object",
"required": [
"loan_amount",
"fixed_rate_pct",
"arm_start_rate_pct",
"fixed_period_years",
"fully_indexed_rate_pct",
"initial_cap_pct",
"periodic_cap_pct",
"lifetime_cap_pct"
],
"properties": {
"term_years": {
"type": "number",
"description": "Loan term in years; default 30."
},
"loan_amount": {
"type": "number",
"description": "Loan amount in USD."
},
"fixed_rate_pct": {
"type": "number",
"description": "Fixed rate annual percent."
},
"initial_cap_pct": {
"type": "number",
"description": "First adjustment cap in percentage points."
},
"lifetime_cap_pct": {
"type": "number",
"description": "Lifetime cap above the start rate in percentage points."
},
"periodic_cap_pct": {
"type": "number",
"description": "Cap per later adjustment in percentage points."
},
"arm_start_rate_pct": {
"type": "number",
"description": "ARM starting annual percent."
},
"fixed_period_years": {
"type": "number",
"description": "Years before the ARM first adjusts."
},
"fully_indexed_rate_pct": {
"type": "number",
"description": "Fully indexed annual percent the ARM can adjust toward."
}
}
}{
"type": "object",
"required": [
"vehicle_price",
"annual_rate_pct",
"term_months"
],
"properties": {
"fuel_annual": {
"type": "number",
"description": "Fuel cost per year in USD; default 0."
},
"term_months": {
"type": "number",
"description": "Loan term in months."
},
"down_payment": {
"type": "number",
"description": "Down payment in USD; default 0."
},
"vehicle_price": {
"type": "number",
"description": "Vehicle price in USD."
},
"annual_rate_pct": {
"type": "number",
"description": "Loan annual rate percent."
},
"insurance_annual": {
"type": "number",
"description": "Insurance cost per year in USD; default 0."
},
"maintenance_annual": {
"type": "number",
"description": "Maintenance cost per year in USD; default 0."
}
}
}{
"type": "object",
"required": [
"debt_balances",
"debt_aprs",
"debt_minimums"
],
"properties": {
"debt_aprs": {
"type": "array",
"items": {
"type": "number"
},
"description": "Comma-separated annual percentage rates, in the same order as the balances."
},
"debt_names": {
"type": "array",
"items": {
"type": "string"
},
"description": "Comma-separated debt names, in the same order as the balances, APRs, and minimums. Blank names fall back to Debt 1, Debt 2, and so on."
},
"debt_balances": {
"type": "array",
"items": {
"type": "number"
},
"description": "Comma-separated debt balances in USD, in the same order as the other debt lists. Debts with a balance of 0 are skipped."
},
"debt_minimums": {
"type": "array",
"items": {
"type": "number"
},
"description": "Comma-separated minimum monthly payments in USD, in the same order as the balances."
},
"extra_payment": {
"type": "number",
"description": "Extra payment each month on top of the minimums, in USD."
}
}
}{
"type": "object",
"required": [
"dorm_annual_cost",
"apartment_monthly_rent",
"utilities_annual",
"food_extra_annual",
"commute_annual"
],
"properties": {
"months": {
"type": "number",
"description": "Months of rent per year; default 12."
},
"commute_annual": {
"type": "number",
"description": "Annual commuting cost for the apartment in USD."
},
"dorm_annual_cost": {
"type": "number",
"description": "Annual dorm cost in USD."
},
"utilities_annual": {
"type": "number",
"description": "Annual utilities cost for the apartment in USD."
},
"food_extra_annual": {
"type": "number",
"description": "Annual extra food cost versus the dorm meal plan in USD."
},
"apartment_monthly_rent": {
"type": "number",
"description": "Monthly apartment rent in USD."
}
}
}| lease_down_payment | number | Lease down payment in USD; default 0. |
| lease_monthly_payment* | number | Lease monthly payment in USD. |
{
"type": "object",
"required": [
"msrp",
"lease_months",
"lease_monthly_payment",
"residual_pct",
"buy_rate_pct",
"buy_term_months"
],
"properties": {
"msrp": {
"type": "number",
"description": "Vehicle MSRP in USD."
},
"buy_rate_pct": {
"type": "number",
"description": "Buy loan annual rate percent."
},
"lease_months": {
"type": "number",
"description": "Lease term in months."
},
"money_factor": {
"type": "number",
"description": "Lease money factor, for example 0.0025; default 0."
},
"residual_pct": {
"type": "number",
"description": "Residual value as a percent of MSRP at lease end."
},
"buy_term_months": {
"type": "number",
"description": "Buy loan term in months."
},
"buy_down_payment": {
"type": "number",
"description": "Buy down payment in USD; default 0."
},
"lease_down_payment": {
"type": "number",
"description": "Lease down payment in USD; default 0."
},
"lease_monthly_payment": {
"type": "number",
"description": "Lease monthly payment in USD."
}
}
}| other_deductions |
| number |
| Other deductions in USD. |
| other_entitlements | number | Other entitlements in USD. |
{
"type": "object",
"required": [],
"properties": {
"bah": {
"type": "number",
"description": "BAH entitlement in USD."
},
"bas": {
"type": "number",
"description": "BAS entitlement in USD."
},
"tsp": {
"type": "number",
"description": "TSP deduction in USD."
},
"fica": {
"type": "number",
"description": "FICA deduction in USD."
},
"sgli": {
"type": "number",
"description": "SGLI deduction in USD."
},
"base_pay": {
"type": "number",
"description": "Base pay entitlement in USD."
},
"state_tax": {
"type": "number",
"description": "State tax deduction in USD."
},
"federal_tax": {
"type": "number",
"description": "Federal tax deduction in USD."
},
"other_deductions": {
"type": "number",
"description": "Other deductions in USD."
},
"other_entitlements": {
"type": "number",
"description": "Other entitlements in USD."
}
}
}{
"type": "object",
"required": [
"section1_correct",
"section1_total",
"section2_correct",
"section2_total",
"section3_correct",
"section3_total"
],
"properties": {
"section1_total": {
"type": "number",
"description": "Total section 1 questions."
},
"section2_total": {
"type": "number",
"description": "Total section 2 questions."
},
"section3_total": {
"type": "number",
"description": "Total section 3 questions."
},
"section1_correct": {
"type": "number",
"description": "Section 1 questions answered correctly."
},
"section2_correct": {
"type": "number",
"description": "Section 2 questions answered correctly."
},
"section3_correct": {
"type": "number",
"description": "Section 3 questions answered correctly."
}
}
}| Section 3 questions answered correctly. |
| section4_correct* | number | Section 4 questions answered correctly. |
{
"type": "object",
"required": [
"section1_correct",
"section1_total",
"section2_correct",
"section2_total",
"section3_correct",
"section3_total",
"section4_correct",
"section4_total"
],
"properties": {
"section1_total": {
"type": "number",
"description": "Total section 1 questions."
},
"section2_total": {
"type": "number",
"description": "Total section 2 questions."
},
"section3_total": {
"type": "number",
"description": "Total section 3 questions."
},
"section4_total": {
"type": "number",
"description": "Total section 4 questions."
},
"section1_correct": {
"type": "number",
"description": "Section 1 questions answered correctly."
},
"section2_correct": {
"type": "number",
"description": "Section 2 questions answered correctly."
},
"section3_correct": {
"type": "number",
"description": "Section 3 questions answered correctly."
},
"section4_correct": {
"type": "number",
"description": "Section 4 questions answered correctly."
}
}
}| include_schedule | boolean | Include the yearly amortization schedule. |
| property_tax_annual | number | Yearly property tax in USD. |
| home_insurance_annual | number | Yearly homeowner insurance in USD. |
{
"type": "object",
"required": [
"home_price",
"annual_rate_pct"
],
"properties": {
"home_price": {
"type": "number",
"description": "Purchase price in USD."
},
"term_years": {
"type": "number",
"description": "Loan term in years; default 30."
},
"hoa_monthly": {
"type": "number",
"description": "Monthly HOA dues in USD."
},
"pmi_rate_pct": {
"type": "number",
"description": "Annual PMI rate percent; default 0.5."
},
"annual_rate_pct": {
"type": "number",
"description": "Annual interest rate percent, e.g. 6.5."
},
"down_payment_pct": {
"type": "number",
"description": "Down payment percent; default 20."
},
"down_payment_usd": {
"type": "number",
"description": "Down payment in USD (wins over down_payment_pct)."
},
"include_schedule": {
"type": "boolean",
"description": "Include the yearly amortization schedule."
},
"property_tax_annual": {
"type": "number",
"description": "Yearly property tax in USD."
},
"home_insurance_annual": {
"type": "number",
"description": "Yearly homeowner insurance in USD."
}
}
}| Annual home appreciation percent. |
| down_payment_pct | number | Down payment percent of the home price. |
| rent_increase_pct | number | Annual rent increase percent. |
| property_tax_annual | number | Property tax per year in USD. |
| home_insurance_annual | number | Homeowner insurance per year in USD. |
{
"type": "object",
"required": [
"price",
"annual_rate_pct",
"monthly_rent"
],
"properties": {
"price": {
"type": "number",
"description": "Home price in USD."
},
"stay_years": {
"type": "number",
"description": "Years planning to stay in the home."
},
"term_years": {
"type": "number",
"description": "Loan term in years."
},
"monthly_rent": {
"type": "number",
"description": "Current monthly rent in USD."
},
"annual_rate_pct": {
"type": "number",
"description": "Mortgage annual rate percent, e.g. 6.5."
},
"maintenance_pct": {
"type": "number",
"description": "Maintenance per year as a percent of the home value."
},
"appreciation_pct": {
"type": "number",
"description": "Annual home appreciation percent."
},
"down_payment_pct": {
"type": "number",
"description": "Down payment percent of the home price."
},
"rent_increase_pct": {
"type": "number",
"description": "Annual rent increase percent."
},
"property_tax_annual": {
"type": "number",
"description": "Property tax per year in USD."
},
"home_insurance_annual": {
"type": "number",
"description": "Homeowner insurance per year in USD."
}
}
}{
"type": "object",
"required": [
"annual_contribution"
],
"properties": {
"age": {
"type": "number",
"description": "Current age in years."
},
"retirement_age": {
"type": "number",
"description": "Retirement age in years."
},
"annual_return_pct": {
"type": "number",
"description": "Expected annual return percent."
},
"annual_contribution": {
"type": "number",
"description": "Annual contribution before tax, in USD."
},
"current_tax_rate_pct": {
"type": "number",
"description": "Current marginal tax rate percent."
},
"retirement_tax_rate_pct": {
"type": "number",
"description": "Expected tax rate in retirement percent."
}
}
}| Monthly job income in USD. |
| parent_contribution* | number | Monthly contribution from parents in USD. |
{
"type": "object",
"required": [
"job_income",
"parent_contribution",
"aid_income",
"rent",
"food",
"books",
"transport",
"fun"
],
"properties": {
"fun": {
"type": "number",
"description": "Monthly fun and entertainment spending in USD."
},
"food": {
"type": "number",
"description": "Monthly food spending in USD."
},
"rent": {
"type": "number",
"description": "Monthly rent in USD."
},
"books": {
"type": "number",
"description": "Monthly books and supplies spending in USD."
},
"transport": {
"type": "number",
"description": "Monthly transport spending in USD."
},
"aid_income": {
"type": "number",
"description": "Monthly financial aid income in USD."
},
"job_income": {
"type": "number",
"description": "Monthly job income in USD."
},
"parent_contribution": {
"type": "number",
"description": "Monthly contribution from parents in USD."
}
}
}{
"type": "object",
"required": [
"salary",
"contrib_pct",
"years",
"return_pct"
],
"properties": {
"years": {
"type": "number",
"description": "Projection horizon in years."
},
"salary": {
"type": "number",
"description": "Annual salary (basic pay basis) in USD."
},
"balance": {
"type": "number",
"description": "Current TSP balance in USD."
},
"match_on": {
"type": "boolean",
"description": "Whether BRS agency automatic and matching contributions apply."
},
"return_pct": {
"type": "number",
"description": "Annual return percent."
},
"contrib_pct": {
"type": "number",
"description": "Employee contribution percent of salary."
}
}
}