Verified U.S. cash rates (sweeps, savings, money funds, CDs, T-bills), dated, with after-tax math.
Scored across 5 tools
Most tools target clearly distinct questions: escrow compliance, after-tax cash comparison, general best cash rates, brokerage sweep rates, and Treasury yield curves. The only overlap is between get_cash_rates and get_sweep_rate/get_treasury_yields, since cash rates includes sweeps and T-bills, but the descriptions give enough guidance to choose correctly.
All five tools follow a consistent snake_case verb_noun pattern: check_escrow, compare_after_tax, get_cash_rates, get_sweep_rate, and get_treasury_yields. The convention is predictable and easy to scan.
Five tools is a well-scoped set for a focused cash-rate and escrow calculator server. Each tool covers a distinct query type without obvious redundancy or padding.
The surface covers the core domain well: current cash rates, brokerage sweep rates, Treasury yields, after-tax comparison, and escrow verification. Minor gaps exist around historical rate lookup or provider-specific account details, but the main workflow is complete.
Check whether a mortgage escrow payment is right under the federal escrow rules (RESPA, Regulation X): 1/12 of the yearly property tax and insurance bills, plus any shortage spread over 12 months, with a cushion of at most 1/6 of the bills. Compares with the servicer's new amount if given. Use for "my escrow went up", "is my escrow payment too high".
Inputs: escrow_balance (required), insurance_yearly (required), property_tax_yearly (required), tax_months, +4 more.
For a cash balance and the person's tax rates, estimate what each kind of cash option keeps per year after federal and state income tax (Treasury interest is state-tax-free; money funds pass through their government share), and how much more than where the cash sits now. Returns the best option of each kind.
Inputs: balance (required), state_pct (required), federal_pct (required), niit, +2 more.
The highest verified U.S. cash rates right now, by kind: high-yield savings, money market funds, CDs, Treasury bills, or default brokerage sweeps. Each rate was read from the provider's own page on the date returned. Use for "best savings rate", "best money market fund", "where should I keep cash".
Inputs: kind, limit.
What a brokerage pays on uninvested cash by default (the cash sweep), by account type, with the date verified, how it compares with Treasury bills, and a step-by-step guide to moving the cash. Brokers include Schwab, Fidelity, Vanguard, Merrill, E*TRADE, Morgan Stanley, Wells Fargo, Robinhood, Interactive Brokers, Raymond James, Ameriprise, Edward Jones.
Inputs: broker (required).
The latest U.S. Treasury daily par yield curve (1 month to 10 years), with its date. Treasury bill interest is exempt from state income tax.
Inputs: no named parameters.
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Public CD, money-market and Treasury records with data dates, source links and illustrative ladders.
Live US savings, CD, mortgage & HELOC rates with source + timestamp on every figure.
Live US bank and credit union rates: CD, savings, money market, mortgage, refinance, home equity, HELOC, auto and personal loans, nationally, by state or by city with local branches. Plus, top mortgage lenders from HMDA data, loan payment calculators, and housing affordability and insurance cost indexes.
Sixteen read-only US rate, savings-gap, Fed, card and CD tools with sources and freshness.
Add one secure layer between your agents and this server.
