{"serverId":"mcp-registry/io.github.glennl201/leaseiq-pro","tools":[{"name":"calculate_auto_lease","fixed":{"name":"calculate_auto_lease","description":"Exact consumer car lease calculator using real captive-lender math: money factor rent charge, residual-based depreciation, state tax methods (monthly on payment, upfront on selling price, upfront on total lease, TAVT), fee capitalization, zero-drive-off iteration, and multiple security deposit (MSD) money-factor discounts with ROI. Accepts either a money factor (e.g. 0.00225) or an APR (auto-converted). Use to verify dealer quotes, compare lease offers, or compute drive-off and lease-end buyout ","inputSchema":{"type":"object","$schema":"http://json-schema.org/draft-07/schema#","required":["msrp","term","residualPercent"],"properties":{"apr":{"type":"number","maximum":60,"minimum":0,"description":"Annual percentage rate, e.g. 5.4; converted as apr / 2400"},"msrp":{"type":"number","description":"MSRP in dollars, e.g. 45000","exclusiveMinimum":0},"term":{"type":"integer","maximum":120,"minimum":1,"description":"Lease term in months, typically 24, 36, or 48"},"docFee":{"type":"number","minimum":0,"description":"Dealer documentation fee"},"mileage":{"type":"integer","maximum":100000,"minimum":1000,"description":"Annual mileage allowance (default 12000)"},"rebates":{"type":"number","minimum":0,"description":"Taxed incentives in dollars"},"taxRate":{"type":"number","maximum":30,"minimum":0,"description":"Sales tax percentage, e.g. 6.625"},"msdCount":{"type":"integer","maximum":10,"minimum":0,"description":"Number of multiple security deposits for money factor reduction"},"taxMethod":{"enum":["Monthly","SellingPrice","TotalLease","TAVT","Exempt"],"type":"string","description":"State tax method (default 'Monthly')"},"downPayment":{"type":"number","minimum":0,"description":"Cash down / cap cost reduction in dollars"},"moneyFactor":{"type":"number","maximum":0.05,"minimum":0,"description":"Money factor, e.g. 0.00225. Provide this OR apr"},"sellingPrice":{"type":"number","description":"Negotiated selling price (defaults to MSRP)","exclusiveMinimum":0},"tradeInEquity":{"type":"number","minimum":0},"acquisitionFee":{"type":"number","minimum":0,"description":"Bank acquisition fee, e.g. 895"},"capitalizeFees":{"type":"boolean","description":"true = roll fees into payment; false (default) = pay at signing"},"dispositionFee":{"type":"number","minimum":0,"description":"Fee charged at lease end"},"isZeroDriveOff":{"type":"boolean","description":"true = capitalize all upfront costs for $0 due at signing"},"registrationFee":{"type":"number","minimum":0},"residualPercent":{"type":"number","maximum":100,"minimum":1,"description":"Residual as percent of MSRP, e.g. 58"}},"additionalProperties":false},"annotations":{"readOnlyHint":true},"title":"Consumer Auto Lease Calculator"},"changes":[{"kind":"annotations","detail":"Added readOnlyHint: true (inferred from the name).","verify":true}],"tokensBefore":742,"tokensAfter":742},{"name":"calculate_auto_loan","fixed":{"name":"calculate_auto_loan","description":"Exact auto loan payment calculator for vehicle purchases. Computes monthly payment, total interest, total cost, and upfront cash for financed purchases, or the all-in cost for cash purchases. Useful together with calculate_auto_lease for lease-versus-buy comparisons.","inputSchema":{"type":"object","$schema":"http://json-schema.org/draft-07/schema#","required":["vehiclePrice"],"properties":{"rate":{"type":"number","maximum":60,"minimum":0,"description":"Annual loan rate percentage (required for finance)"},"term":{"type":"integer","maximum":120,"minimum":1,"description":"Loan term in months (required for finance)"},"salesTax":{"type":"number","minimum":0,"description":"Upfront sales tax amount in dollars (not a percentage)"},"downPayment":{"type":"number","minimum":0},"vehiclePrice":{"type":"number","description":"Out-the-door vehicle price in dollars","exclusiveMinimum":0},"tradeInCredit":{"type":"number","minimum":0,"description":"Trade-in equity applied in dollars"},"purchaseMethod":{"enum":["finance","cash"],"type":"string","description":"Default 'finance'"}},"additionalProperties":false},"annotations":{"readOnlyHint":true},"title":"Auto Loan / Purchase Calculator"},"changes":[{"kind":"annotations","detail":"Added readOnlyHint: true (inferred from the name).","verify":true}],"tokensBefore":321,"tokensAfter":321},{"name":"calculate_lease","fixed":{"name":"calculate_lease","description":"Deterministic commercial equipment lease and finance calculator. Computes the exact periodic payment for equipment leases and equipment financing agreements: level payments, balloon, step-up/step-down, custom payment streams, interest-only periods, and skip/seasonal structures. Regression-tested against Excel-verified amortization to the penny. Use this instead of estimating lease payments: LLM arithmetic on compounding interest is unreliable, this engine is not. Returns payment, tax, interim re","inputSchema":{"type":"object","$schema":"http://json-schema.org/draft-07/schema#","required":["equipmentCost","leaseTerm","interestRate"],"properties":{"steps":{"type":"array","items":{"type":"object","required":["periodCount","amount"],"properties":{"type":{"enum":["Fixed","Calculated","PercentIncrease","PercentDecrease","Compounding","InterestOnly"],"type":"string"},"amount":{"type":"number","minimum":0,"description":"Payment amount for this step; use 0 with type 'Calculated' to let the engine solve it"},"periodCount":{"type":"integer","minimum":1,"description":"How many periods this step lasts"}},"additionalProperties":false},"description":"For Step/Custom structures: ordered payment segments"},"taxRate":{"type":"number","maximum":30,"minimum":0,"description":"Sales tax rate percentage, e.g. 7"},"leaseTerm":{"type":"integer","maximum":600,"minimum":1,"description":"Lease term in months, e.g. 60"},"taxMethod":{"enum":["Exempt","Monthly","Upfront"],"type":"string","description":"Sales tax treatment: 'Exempt' (default), 'Monthly' on top of payment, or 'Upfront' capitalized"},"skipMonths":{"type":"array","items":{"type":"integer","maximum":12,"minimum":1},"description":"For Skip: calendar months (1=Jan..12=Dec) skipped every year of the term, e.g. [12,1,2] for a seasonal business closed in winter"},"downPayment":{"type":"number","minimum":0,"description":"Down payment in dollars"},"fundingDate":{"type":"string","pattern":"^\\d{4}-\\d{2}-\\d{2}$","description":"Funding date YYYY-MM-DD; a gap before leaseStartDate produces interim rent"},"interestRate":{"type":"number","maximum":100,"minimum":0,"description":"Annual interest rate as a percentage, e.g. 7.5 for 7.5%"},"equipmentCost":{"type":"number","description":"Total equipment cost in dollars, e.g. 150000","exclusiveMinimum":0},"paymentTiming":{"enum":["Arrears","Advance"],"type":"string","description":"'Arrears' = end of period (default), 'Advance' = beginning of period"},"residualValue":{"type":"number","minimum":0,"description":"End-of-term residual in dollars (default 0 = full payout). Alternative: residualPercent"},"leaseStartDate":{"type":"string","pattern":"^\\d{4}-\\d{2}-\\d{2}$","description":"First payment date YYYY-MM-DD (defaults to today)"},"residualPercent":{"type":"number","maximum":100,"minimum":0,"description":"Residual as a percent of equipment cost, e.g. 10 for 10% FMV"},"upfrontPayments":{"type":"integer","maximum":12,"minimum":0,"description":"Number of payments collected in advance at signing"},"interestOnlyTerm":{"type":"integer","maximum":120,"minimum":0,"description":"For InterestOnly: number of interest-only months before amortization begins"},"paymentFrequency":{"enum":["Monthly","Quarterly","Semi-Annual","Annual","Weekly","Bi-Weekly"],"type":"string","description":"Payment frequency (default 'Monthly')"},"paymentStructure":{"enum":["Level","Balloon","Step","Custom","InterestOnly","Skip"],"type":"string","description":"Payment structure (default 'Level')"},"balloonPercentage":{"type":"number","maximum":100,"minimum":0,"description":"For Balloon: final payment as percent of equipment cost, e.g. 20"},"skipPaymentAmount":{"type":"number","minimum":0,"description":"Amount paid during skipped months (often 0)"},"additionalClosingFees":{"type":"number","minimum":0,"description":"Documentation/closing fees in dollars"}},"additionalProperties":false},"annotations":{"readOnlyHint":true},"title":"Commercial Equipment Lease Calculator"},"changes":[{"kind":"annotations","detail":"Added readOnlyHint: true (inferred from the name).","verify":true}],"tokensBefore":1090,"tokensAfter":1090},{"name":"generate_amortization_schedule","fixed":{"name":"generate_amortization_schedule","description":"Generates the complete period-by-period amortization schedule for a commercial equipment lease or finance agreement: payment date, payment amount, interest portion, principal portion, and remaining balance for every period, plus totals. Supports all payment structures (level, balloon, step, skip/seasonal, interest-only) and both 30/360 and Actual/365 day counts. Use when the user needs the full payment schedule, a payoff balance at a specific period, or interest/principal splits for accounting.","inputSchema":{"type":"object","$schema":"http://json-schema.org/draft-07/schema#","required":["equipmentCost","leaseTerm","interestRate"],"properties":{"steps":{"type":"array","items":{"type":"object","required":["periodCount","amount"],"properties":{"type":{"enum":["Fixed","Calculated","PercentIncrease","PercentDecrease","Compounding","InterestOnly"],"type":"string"},"amount":{"type":"number","minimum":0,"description":"Payment amount for this step; use 0 with type 'Calculated' to let the engine solve it"},"periodCount":{"type":"integer","minimum":1,"description":"How many periods this step lasts"}},"additionalProperties":false},"description":"For Step/Custom structures: ordered payment segments"},"taxRate":{"type":"number","maximum":30,"minimum":0,"description":"Sales tax rate percentage, e.g. 7"},"leaseTerm":{"type":"integer","maximum":600,"minimum":1,"description":"Lease term in months, e.g. 60"},"taxMethod":{"enum":["Exempt","Monthly","Upfront"],"type":"string","description":"Sales tax treatment: 'Exempt' (default), 'Monthly' on top of payment, or 'Upfront' capitalized"},"skipMonths":{"type":"array","items":{"type":"integer","maximum":12,"minimum":1},"description":"For Skip: calendar months (1=Jan..12=Dec) skipped every year of the term, e.g. [12,1,2] for a seasonal business closed in winter"},"downPayment":{"type":"number","minimum":0,"description":"Down payment in dollars"},"fundingDate":{"type":"string","pattern":"^\\d{4}-\\d{2}-\\d{2}$","description":"Funding date YYYY-MM-DD; a gap before leaseStartDate produces interim rent"},"interestRate":{"type":"number","maximum":100,"minimum":0,"description":"Annual interest rate as a percentage, e.g. 7.5 for 7.5%"},"equipmentCost":{"type":"number","description":"Total equipment cost in dollars, e.g. 150000","exclusiveMinimum":0},"paymentTiming":{"enum":["Arrears","Advance"],"type":"string","description":"'Arrears' = end of period (default), 'Advance' = beginning of period"},"residualValue":{"type":"number","minimum":0,"description":"End-of-term residual in dollars (default 0 = full payout). Alternative: residualPercent"},"leaseStartDate":{"type":"string","pattern":"^\\d{4}-\\d{2}-\\d{2}$","description":"First payment date YYYY-MM-DD (defaults to today)"},"residualPercent":{"type":"number","maximum":100,"minimum":0,"description":"Residual as a percent of equipment cost, e.g. 10 for 10% FMV"},"upfrontPayments":{"type":"integer","maximum":12,"minimum":0,"description":"Number of payments collected in advance at signing"},"interestOnlyTerm":{"type":"integer","maximum":120,"minimum":0,"description":"For InterestOnly: number of interest-only months before amortization begins"},"paymentFrequency":{"enum":["Monthly","Quarterly","Semi-Annual","Annual","Weekly","Bi-Weekly"],"type":"string","description":"Payment frequency (default 'Monthly')"},"paymentStructure":{"enum":["Level","Balloon","Step","Custom","InterestOnly","Skip"],"type":"string","description":"Payment structure (default 'Level')"},"balloonPercentage":{"type":"number","maximum":100,"minimum":0,"description":"For Balloon: final payment as percent of equipment cost, e.g. 20"},"skipPaymentAmount":{"type":"number","minimum":0,"description":"Amount paid during skipped months (often 0)"},"additionalClosingFees":{"type":"number","minimum":0,"description":"Documentation/closing fees in dollars"}},"additionalProperties":false},"annotations":{"readOnlyHint":false,"destructiveHint":false,"idempotentHint":false},"title":"Full Amortization Schedule Generator"},"changes":[{"kind":"annotations","detail":"Added readOnlyHint: false, destructiveHint: false, idempotentHint: false (inferred from the name).","verify":true}],"tokensBefore":1094,"tokensAfter":1094}],"toolsChanged":4,"tokensSaved":0,"todo":[{"tool":"calculate_auto_lease","params":["tradeInEquity","registrationFee"]},{"tool":"calculate_auto_loan","params":["downPayment"]},{"tool":"solve_lease_structure","params":["paymentTiming","paymentFrequency"]}],"note":"Deterministic fixes. Changes marked verify need a human look before shipping (renames, inferred annotations, inferred types, removed text). Parameter descriptions in `todo` need to be written by someone who knows the API."}