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Server Details

Exact lease finance calculations: equipment structuring, solvers, amortization, auto lease & loan

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Healthy
Last Tested
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Streamable HTTP
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Tool DescriptionsA

Average 4.2/5 across 5 of 5 tools scored.

Server CoherenceA
Disambiguation5/5

Each tool targets a distinct calculation domain: auto lease, auto loan, commercial lease, amortization schedules, and solving for unknown lease parameters. There is no overlap in purpose, making it easy for an agent to select the correct tool.

Naming Consistency5/5

All tool names follow a consistent verb_noun snake_case pattern (e.g., calculate_auto_lease, generate_amortization_schedule). This predictability helps agents quickly understand each tool's function.

Tool Count5/5

With 5 tools, the set is well-scoped for a lease/loan calculator server. Each tool provides essential functionality without unnecessary bloat or missing core operations.

Completeness5/5

The set covers auto leasing, auto loans, commercial leasing, amortization schedules, and reverse solving. This provides full lifecycle support for lease/loan calculations, including dealer quote verification and lease-versus-buy comparisons.

Available Tools

5 tools
calculate_auto_leaseConsumer Auto Lease CalculatorInspect

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 amounts.

ParametersJSON Schema
NameRequiredDescriptionDefault
aprNoAnnual percentage rate, e.g. 5.4; converted as apr / 2400
msrpYesMSRP in dollars, e.g. 45000
termYesLease term in months, typically 24, 36, or 48
docFeeNoDealer documentation fee
mileageNoAnnual mileage allowance (default 12000)
rebatesNoTaxed incentives in dollars
taxRateNoSales tax percentage, e.g. 6.625
msdCountNoNumber of multiple security deposits for money factor reduction
taxMethodNoState tax method (default 'Monthly')
downPaymentNoCash down / cap cost reduction in dollars
moneyFactorNoMoney factor, e.g. 0.00225. Provide this OR apr
sellingPriceNoNegotiated selling price (defaults to MSRP)
tradeInEquityNo
acquisitionFeeNoBank acquisition fee, e.g. 895
capitalizeFeesNotrue = roll fees into payment; false (default) = pay at signing
dispositionFeeNoFee charged at lease end
isZeroDriveOffNotrue = capitalize all upfront costs for $0 due at signing
registrationFeeNo
residualPercentYesResidual as percent of MSRP, e.g. 58
calculate_auto_loanAuto Loan / Purchase CalculatorInspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
rateNoAnnual loan rate percentage (required for finance)
termNoLoan term in months (required for finance)
salesTaxNoUpfront sales tax amount in dollars (not a percentage)
downPaymentNo
vehiclePriceYesOut-the-door vehicle price in dollars
tradeInCreditNoTrade-in equity applied in dollars
purchaseMethodNoDefault 'finance'
calculate_leaseCommercial Equipment Lease CalculatorInspect

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 rent, and totals (total interest, total of payments, final balance).

ParametersJSON Schema
NameRequiredDescriptionDefault
stepsNoFor Step/Custom structures: ordered payment segments
taxRateNoSales tax rate percentage, e.g. 7
leaseTermYesLease term in months, e.g. 60
taxMethodNoSales tax treatment: 'Exempt' (default), 'Monthly' on top of payment, or 'Upfront' capitalized
skipMonthsNoFor 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
downPaymentNoDown payment in dollars
fundingDateNoFunding date YYYY-MM-DD; a gap before leaseStartDate produces interim rent
interestRateYesAnnual interest rate as a percentage, e.g. 7.5 for 7.5%
equipmentCostYesTotal equipment cost in dollars, e.g. 150000
paymentTimingNo'Arrears' = end of period (default), 'Advance' = beginning of period
residualValueNoEnd-of-term residual in dollars (default 0 = full payout). Alternative: residualPercent
leaseStartDateNoFirst payment date YYYY-MM-DD (defaults to today)
residualPercentNoResidual as a percent of equipment cost, e.g. 10 for 10% FMV
upfrontPaymentsNoNumber of payments collected in advance at signing
interestOnlyTermNoFor InterestOnly: number of interest-only months before amortization begins
paymentFrequencyNoPayment frequency (default 'Monthly')
paymentStructureNoPayment structure (default 'Level')
balloonPercentageNoFor Balloon: final payment as percent of equipment cost, e.g. 20
skipPaymentAmountNoAmount paid during skipped months (often 0)
additionalClosingFeesNoDocumentation/closing fees in dollars
generate_amortization_scheduleFull Amortization Schedule GeneratorInspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
stepsNoFor Step/Custom structures: ordered payment segments
taxRateNoSales tax rate percentage, e.g. 7
leaseTermYesLease term in months, e.g. 60
taxMethodNoSales tax treatment: 'Exempt' (default), 'Monthly' on top of payment, or 'Upfront' capitalized
skipMonthsNoFor 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
downPaymentNoDown payment in dollars
fundingDateNoFunding date YYYY-MM-DD; a gap before leaseStartDate produces interim rent
interestRateYesAnnual interest rate as a percentage, e.g. 7.5 for 7.5%
equipmentCostYesTotal equipment cost in dollars, e.g. 150000
paymentTimingNo'Arrears' = end of period (default), 'Advance' = beginning of period
residualValueNoEnd-of-term residual in dollars (default 0 = full payout). Alternative: residualPercent
leaseStartDateNoFirst payment date YYYY-MM-DD (defaults to today)
residualPercentNoResidual as a percent of equipment cost, e.g. 10 for 10% FMV
upfrontPaymentsNoNumber of payments collected in advance at signing
interestOnlyTermNoFor InterestOnly: number of interest-only months before amortization begins
paymentFrequencyNoPayment frequency (default 'Monthly')
paymentStructureNoPayment structure (default 'Level')
balloonPercentageNoFor Balloon: final payment as percent of equipment cost, e.g. 20
skipPaymentAmountNoAmount paid during skipped months (often 0)
additionalClosingFeesNoDocumentation/closing fees in dollars
solve_lease_structureReverse Lease Solver (Rate, Term, Residual, PV)Inspect

Newton-Raphson reverse solver for commercial equipment leases. Given a known target payment, solves for the unknown deal variable: the implicit interest rate (yield) buried in a quote, the term length, the residual value, or the present value of a payment stream. This is the tool for questions like "what rate am I really paying?", "what residual makes this payment work?", or "what is this payment stream worth today?". Multi-variable iterative solving that LLMs cannot do reliably by hand.

ParametersJSON Schema
NameRequiredDescriptionDefault
solveForYesThe unknown variable to solve for
leaseTermNoTerm in months (omit when solving Term)
interestRateNoAnnual rate percentage (omit when solving Rate)
equipmentCostNoEquipment cost in dollars (omit when solving PresentValue)
paymentTimingNo
residualValueNoResidual in dollars (omit when solving ResidualValue)
targetPaymentYesThe known periodic payment amount to solve from
paymentFrequencyNo

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