FreeToolHub

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

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

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.

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

Compare monthly and annual cost of AI coding subscriptions (GitHub Copilot, Cursor, Claude Code/Pro/Max, OpenAI Codex) for a given team size and usage intensity, then compare the winner against pay-as-you-go API pricing for the same workload. Prices verified 2026-09.

Compare real monthly cost on Zapier (per task) versus Make (per operation) for the same workflow volume, including the counting-model difference that makes the two quotes non-obvious.

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

Rank 18 LLM models by the real monthly cost of a given workload (input/output tokens per call × calls per month). Reports the cheapest and most expensive option, the cost spread, and which models can actually hold your prompt in their context window.

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

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.

Find the most common hidden cost in no-code automation: using polling where a webhook would do. Quantifies the wasted task/operation quota and the monthly dollars.

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.

Compare paying hosted CI overage against running self-hosted runners, including the maintenance hours people forget to cost. Reports the true break-even volume.

Semantic tool router. Given a natural-language intent, return only the most relevant tools from this server so the client can inject 3 schemas instead of 27. This is the "find_tool" meta-tool the MCP optimisation literature calls for.

Generate ready-to-paste MCP server config for Claude Desktop, Cursor, VS Code and Windsurf from one input. Config completeness decides whether developers can install your server at all.

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.

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

Given a set of MCP servers and their tool counts, show for every model context window (128K, 200K, 1M, 10M) how much of the window the tool definitions consume, how much is left for conversation, and whether the server set fits at all. Answers "how many servers can I attach on model X?".

Plan and attribute MCP token spend across agents, servers and workflows — something the protocol provides no native support for. Outputs per-dimension cost split and a quota plan.

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.

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 error and warning list.