FreeToolHub

Last 30 days

Uptime

100%

Response time

228 ms typical, 228 ms slowest 5%

Last check

2 h ago

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in 3 h

How to call it

Add it to any MCP client that supports remote servers.

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

50 tools

• calculate_se_tax

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

• calculate_freelancer_tax

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

• calculate_1099k_tax

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

• calculate_capital_gains_tax

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

• compare_w2_vs_1099

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

• get_sales_tax_rate

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

• calculate_payroll_tax

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

• calculate_estate_tax

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

• calculate_hsa_fsa_savings

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

• calculate_quarterly_tax

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

• check_economic_nexus

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

• calculate_tariff

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

• calculate_compound_interest

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

• calculate_mortgage

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

• compare_401k_vs_roth

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

• calculate_car_loan

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

• calculate_rental_roi

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

• calculate_student_loan

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

• calculate_roi

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

• calculate_life_insurance

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

• calculate_rental_affordability

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

• calculate_home_equity

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

• calculate_break_even

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

• compare_llc_cost

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

• calculate_dropship_profit

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

• calculate_reseller_profit

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

• calculate_freelancer_pricing

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

• calculate_income_tax

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

• calculate_tax_refund

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

• calculate_loan

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

• calculate_retirement

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

• calculate_margin

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

• calculate_pay_raise

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

• estimate_mcp_context_budget

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

• compress_tool_definitions

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

• score_mcp_server_trust

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

• audit_mcp_server_security

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

• generate_mcp_server_card

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

• validate_mcp_server_card

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

• advise_tool_portfolio

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

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• No findings. We scan names, descriptions and tool definitions for hidden instructions and other prompt-injection patterns.

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