Nestegg Calculators

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190 ms typical, 190 ms slowest 5%

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How to call it

Add it to any MCP client that supports remote servers.

{
  "mcpServers": {
    "nestegg-calculators": {
      "type": "http",
      "url": "https://nestegg.money/mcp"
    }
  }
}

99 tools

• amortization

  Monthly loan amortization schedule and summary. Supports dated extra principal payments and a rate-fixed period. detail controls output size: 'summary' (default) returns totals plus a per-year breakdown; 'monthly' returns the full schedule (paginate with offset/limit). Returns nu

• loan-payoff

  Time and interest saved by paying a fixed extra amount every month on a loan, versus the baseline schedule.

• future-value

  Future value of a single lump sum compounded annually.

• contributions

  Future value of a fixed monthly contribution, optionally stepping up each year.

• cagr

  Compound annual growth rate between two values over a number of years. Returns a decimal (0.07 means 7%).

• savings-rate

  Fraction of income saved (savings divided by income). Returns a decimal.

• fx-convert

  Convert an amount using a rate supplied by the caller (units of target currency per unit of source). No rate is ever looked up.

• depreciate

  Value after compounding down (or up) at a yearly percentage rate over a number of years. This is the method the app uses for long-term assets.

• straight-line-depreciation

  Straight-line depreciation: value falling evenly to a salvage value over a useful life.

• fire-number

  FIRE target nest egg from annual spend and a safe withdrawal rate (default 4%), plus the gap from today and the years to reach it given optional savings and growth. No advice.

• required-contribution

  Inverse of contributions: the fixed monthly amount needed to reach a target future value over a number of months, given an optional starting balance.

• inflation-adjust

  Convert a nominal amount to today's purchasing power (real), or with toNominal inflate a real amount forward, at a given annual inflation rate.

• effective-rate

  Convert a nominal annual rate to the effective annual rate (APY) for a compounding frequency, or with toNominal recover the nominal rate from an APY.

• npv

  Net present value of a cashflow series (index 0 is today; outflows negative) discounted at a per-period rate.

• irr

  Internal rate of return: the per-period rate that zeroes the NPV of a cashflow series. Returns a percent, or null when the series never crosses zero.

• refi-breakeven

  Refinance break-even: monthly saving, whole months to recoup closing costs, and (if remainingMonths given) the net saving over the remaining term.

• emergency-fund

  Months of runway: liquid savings divided by monthly expenses.

• mortgage-affordability

  Maximum loan and home price the income supports: the DTI cap on gross monthly income (less existing debts) sets the payment, whose present value at the rate and term is the loan.

• debt-payoff

  Multi-debt payoff plan under a fixed monthly budget. method 'avalanche' (highest rate first) minimizes interest; 'snowball' (smallest balance first) clears accounts soonest. Returns months, total interest, and payoff order; flags insolvent budgets.

• portfolio-longevity

  How many years a balance lasts while withdrawing from it: the balance grows each year, then the withdrawal (optionally stepping up) is taken. Returns the depletion year, or sustainable=true when it outlasts 200 years.

• present-value

  Present value of a single future amount discounted annually. The inverse of future-value.

• required-return

  Annual return needed to grow a starting value to a target over a number of years, optionally with a fixed annual contribution. With no contribution this equals CAGR. Returns a percent, or null when unreachable.

• yield-to-maturity

  Bond yield to maturity: the nominal annual yield that prices a bond at the given price, with periodic coupons and face returned at maturity. Solved numerically. Returns a percent, or null.

• tax-from-brackets

  Progressive tax from caller-supplied brackets. No jurisdiction, year, or rates are baked in: pass the brackets yourself. Returns total tax, effective rate, and marginal rate.

• margin-markup

  Convert between margin and markup. Supply any one of cost/price plus one of marginPct/markupPct (or both cost and price); returns cost, price, profit, marginPct, and markupPct.

• compound-interest

  Compound growth at any frequency, with an optional contribution each period (paid at period end). Generalizes future-value (periodsPerYear 1) and contributions (periodsPerYear 12).

• de-gross-to-net

  German net (Netto) salary from gross (Brutto). No tax tables are baked in: look up the current year's statutory figures and pass them in. Income tax (Lohnsteuer) and Soli are amounts; church tax is a percent of the income tax; the four employee social rates and the two contributi

• de-net-salary

  Exact German net (Netto) salary from annual gross (Brutto) for tax years 2023-2026. Income tax and Soli follow the official BMF Programmablaufplan for the year (to the euro; 2024 uses the retroactive December tariff), church tax comes from the PAP's Kirchensteuer base, and employ

• de-abgeltungsteuer

  German flat tax on capital income (Abgeltungsteuer, §32d EStG) for tax years 2023-2026 with the year's Sparerpauschbetrag built in. 25% above the allowance, Soli 5.5% on top (no Freigrenze for capital income), and with church tax the statutory reduced rate (e.g. 24.45% at 9%) plu

• de-kindergeld

  German child benefit (Kindergeld) for 2023-2026: the year's flat monthly amount per child (uniform since 2023), as monthly and annual totals.

• de-midijob

  German Midijob / Uebergangsbereich (paragraph 20 Abs. 2a SGB IV) for 2023-2026: classifies a monthly pay as Minijob / Midijob / regular against the year's thresholds and, inside the Midijob band, computes the reduced contribution bases (Faktor F from the year's rates) and the emp

• de-rentenpunkte

  German pension points (Entgeltpunkte, paragraph 63 SGB VI) for 2023-2026: points earned from an annual gross via the year's Durchschnittsentgelt (capped at the contribution ceiling), the aktueller Rentenwert for both halves of the year, and optionally the gross monthly state pens

• vat

  Value-added tax (MwSt/USt, sales tax) on a price. By default adds the tax to a net price; with inclusive=true treats the amount as gross and extracts the tax. The rate is always an input (19 or 7 for Germany, etc.).

• roi

  Return on investment: total percent gain, plus the annualized rate when a holding period in years is given.

• real-return

  Real (inflation-adjusted) return from a nominal rate via the Fisher relation: (1+nominal)/(1+inflation) - 1.

• return-stats

  Mean, sample variance, and sample standard deviation (n-1) of a series of returns. Pass percents to get a percent stdev (volatility).

• sharpe-ratio

  Sharpe ratio: excess mean return per unit of volatility, (mean - riskFree) / stdev. Null when volatility is undefined or zero.

• max-drawdown

  Maximum drawdown of a value series: the largest peak-to-trough decline, as a positive percent.

• holding-period-return

  Holding-period return: (income + capital gain) / starting value, in percent.

• fee-drag

  Effect of an annual fee: the compounded balance at the gross rate vs net of the fee, and the amount lost to fees.

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