FreeToolHub

The 50 tools it listed

"Read only" and "Changes data" are the server's own marks. Underlined parameters are required.

1. advise_tool_portfolio

   Too many MCP tools makes agents pick the wrong one. Given your tool list and usage, get keep / merge / remove recommendations to get under the 10–15 tool guideline.

   tools targetToolCount

2. audit_mcp_server_security

   Audit an MCP server against the OWASP MCP Top 10. Reports authentication, path traversal, command injection, secret exposure and supply-chain risk with a concrete remediation list.

   serverName hasAuthentication usesStdioTransport performsFileOperations executesCommands hasHardcodedSecrets acceptsUserInputInCommands hasProvenanceAttestation restrictsNetworkEgress

3. calculate_1099k_tax

   Estimate tax on 1099-K income (reselling, gig work). SE tax, QBI, quarterly 1040-ES. Uses latest CDN data.

   grossReceipts costOfGoodsSold otherExpenses filingStatus state

4. calculate_break_even

   Break-even point: units to sell to cover fixed costs. Contribution margin, target profit analysis.

   fixedCosts pricePerUnit variableCostPerUnit targetProfit

5. calculate_capital_gains_tax

   US capital gains tax on stock/crypto. Short vs long-term, NIIT 3.8%, state tax. Uses latest CDN LTCG brackets.

   purchasePrice salePrice holdingPeriodDays filingStatus ordinaryIncome state

6. calculate_car_loan

   Monthly car payment, total interest, amortization. Includes sales tax, trade-in, down payment. Uses latest CDN sales tax rates.

   price downPayment tradeIn interestRate loanTermMonths salesTaxRate state

7. calculate_compound_interest

   Compound interest with monthly contributions. Returns final balance, total interest, inflation-adjusted value. Uses latest CDN inflation rate.

   principal monthlyContribution annualRate years inflationRate

8. calculate_dropship_profit

   True dropshipping profit after product cost, platform fees, payment processing, ad spend. Uses latest CDN payment processor fees.

   salePrice productCost adSpendPerOrder shippingCost platform paymentProcessor

9. calculate_estate_tax

   Calculate federal estate tax. 2026 exemption $13.61M, 40% rate. Includes marital deduction.

   estateValue spousalInheritance

10. calculate_freelancer_pricing

    Turn hourly rate into project quote with overhead, profit margin, milestone splits.

    hourlyRate projectHours overheadPct profitMarginPct

11. calculate_freelancer_tax

    Complete freelancer tax: SE tax, QBI deduction, federal + state income tax. Returns quarterly payment. Uses latest CDN data.

    grossIncome businessExpenses filingStatus state

12. calculate_github_actions_cost

    Estimate a GitHub Actions monthly bill using the January 2026 runner rates (Linux $0.006/min, Windows $0.010, macOS $0.062), accounting for plan allowances. Also reports what the same workload cost before the price cut.

    linuxMinutes windowsMinutes macosMinutes plan publicRepo

13. calculate_home_equity

    Calculate home equity, max borrowable amount (HELOC), and monthly payments. LTV limits included.

    homeValue mortgageBalance interestRate loanTermYears

14. calculate_hsa_fsa_savings

    Calculate tax savings from HSA and FSA contributions. Federal + FICA + state tax savings. Latest CDN limits.

    hsaContribution fsaContribution filingStatus state marginalRate

15. calculate_income_tax

    US income tax for 2026: federal tax bracket by bracket, state tax, marginal vs effective rate. Uses latest IRS brackets from CDN data.

    grossIncome filingStatus state preTaxDeductions itemizedDeductions

16. calculate_life_insurance

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

    annualIncome yearsToReplace debt mortgage collegeFund children savings

17. calculate_loan

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

    principal interestRate termYears extraMonthlyPayment

18. calculate_margin

    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.

    cost price marginPct markupPct discountPct

19. calculate_mortgage

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

    homePrice downPayment interestRate loanTermYears propertyTaxRate insuranceRate

20. calculate_pay_raise

    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.

    currentSalary filingStatus state raisePct raiseAmount preTaxDeductions

21. calculate_payroll_tax

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

    grossSalary filingStatus state retirementContribution

22. calculate_quarterly_tax

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

    annualIncome businessExpenses filingStatus state

23. calculate_rental_affordability

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

    monthlyIncome monthlyDebts

24. calculate_rental_roi

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

    propertyValue monthlyRent downPayment interestRate vacancyRate managementRate

25. calculate_reseller_profit

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

    purchasePrice salePrice shippingCost state

26. calculate_retirement

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

    currentAge retirementAge currentSavings monthlyContribution annualReturnPct inflationPct desiredAnnualIncome otherRetirementIncome withdrawalRatePct

27. calculate_roi

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

    revenue cost adSpend clicks conversions

28. calculate_se_tax

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

    netEarnings filingStatus state

29. calculate_student_loan

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

    loanAmount interestRate loanTermYears extraPayment

30. calculate_tariff

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

    productValue freight tariffRate category

31. calculate_tax_refund

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

    grossIncome federalWithheld filingStatus state stateWithheld credits preTaxDeductions itemizedDeductions

32. check_economic_nexus

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

    totalSales statesWithSales

33. compare_401k_vs_roth

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

    annualContribution currentTaxRate retirementTaxRate annualReturn years employerMatch

34. compare_ai_coding_tool_costs

    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.

    seats usageLevel includeApiBaseline apiModel

35. compare_automation_platform_costs

    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.

    runsPerMonth stepsPerRun workflowCount

36. compare_llc_cost

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

    state years

37. compare_llm_api_costs

    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.

    inputTokensPerCall outputTokensPerCall callsPerMonth topN provider minContextWindow

38. compare_w2_vs_1099

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

    w2Salary contractorRate filingStatus state

39. compress_tool_definitions

    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.

    definitions

40. detect_polling_cost_traps

    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.

    workflows platform

41. estimate_mcp_context_budget

    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.

    config contextWindow reservedForConversation

42. estimate_selfhosted_tco

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

    monthlyMinutes runnerType maintenanceHoursPerMonth engineerHourlyCost runnerHostingCostPerMonth

43. find_tool

    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.

    query limit

44. generate_mcp_client_config

    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.

    serverName command args url env

45. generate_mcp_server_card

    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.

    name description version endpointUrl transport tools requiresAuth

46. get_sales_tax_rate

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

    state amount

47. plan_context_window_budget

    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?".

    servers avgTokensPerTool reserveForOutput conversationShare

48. plan_mcp_token_budget

    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.

    workloads inputPricePerMillion outputPricePerMillion monthlyBudget

49. score_mcp_server_trust

    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.

    serverName stars daysSinceLastCommit repoExists npmDeprecated hasInstallConfig hasToolDocs inOfficialRegistry

50. validate_mcp_server_card

    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.

    card