# com.cleveralpha.www/calculators

> 9 deterministic IRS tax, RMD, Roth, Solo 401k, Form 1040, TALS, Estate & SBLOC calculators.

- name: com.cleveralpha.www/calculators
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 80/100 flags: no-repository
- quality: 81/100 (new)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/com.cleveralpha.www%2Fcalculators
- tools: https://api.protogrid.dev/v1/servers/com.cleveralpha.www%2Fcalculators/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "calculators": {
      "type": "http",
      "url": "https://cleveralpha-calculators.vercel.app/api/mcp"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 100
- freshness: 100
- provenance: 45
- drivers: +dns-namespace +reachable +uptime-100% +updated-5d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 81/100 (new)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 86 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 9 of 9 tools declare readOnlyHint or destructiveHint
- fail `tools.directory_hints`: no tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: calculate_rmd_and_tax_cliffs (idempotentHint); simulate_form_1040_and_bracket_room (idempotentHint); calculate_savers_credit_and_2027_match (idempotentHint); …
- pass `tools.token_cost`: about 4,269 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: n/a (weight 15)

- n/a `stability.changes`, `stability.rug_pull`: tool history recorded for 4 of the 7 days needed

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 9, about 4,269 tokens to load them all
- tool set hash: f8fc20df2b67b288451eadf023bda450
- tools last changed: 2026-11-06T01:53:59.200Z
- badge: [![protogrid quality](https://protogrid.dev/badge/com.cleveralpha.www/calculators.svg)](https://protogrid.dev/servers/com.cleveralpha.www/calculators)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-11-06 `calculate_rmd_and_tax_cliffs` changed (title, description, inputSchema) **meaning changed**
  - before: Use this tool whenever a user asks to calculate their Required Minimum Distribution (RMD) for 2025, 2026, or 2027, Inherited IRA 10-year withdrawal schedule under Final Regulations T.D. 10001, Surviving Spouse IRA options and the Widow's Penalty tax jump, Qualified Charitable Distribution (QCD) tax savings, or SECURE 2.0 Sec. 302 missed-RMD penalty waivers (25% vs. 10% vs. Form 5329 RC waiver).
  - after: Use this tool whenever a user asks to calculate the account owner's own lifetime Required Minimum Distribution (RMD) for 2025, 2026, or 2027 (Uniform Lifetime Table III, or Joint Table II when the sole-beneficiary spouse is more than 10 years younger), the federal and state tax cost of that RMD including Social Security taxation, the $6,000 OBBBA senior deduction phase-out and Medicare IRMAA tiers, Qualified Charitable Distribution (QCD) offsets, a surviving-spouse treat-as-own vs. inherited comparison with the Widow's Penalty tax jump, and an optional Form W-4R withholding plan (federal/state withholding on the RMD, net cash, and the IRC Sec. 6654 / Pub 505 prior-year safe-harbor gap). This tool does NOT compute inherited (non-spouse beneficiary) RMD schedules or missed-RMD excise penalties; for those, direct the user to the interactive calculator's Inherited and Missed-RMD modes at the returned interactiveCalculatorUrl.
- 2026-11-05 `calculate_rmd_and_tax_cliffs` changed (title, description, inputSchema) **meaning changed**
  - before: Use this tool whenever a user asks to calculate the account owner's own lifetime Required Minimum Distribution (RMD) for 2025, 2026, or 2027 (Uniform Lifetime Table III, or Joint Table II when the sole-beneficiary spouse is more than 10 years younger), the federal and state tax cost of that RMD including Social Security taxation, the $6,000 OBBBA senior deduction phase-out and Medicare IRMAA tiers, Qualified Charitable Distribution (QCD) offsets, a surviving-spouse treat-as-own vs. inherited comparison with the Widow's Penalty tax jump, and an optional Form W-4R withholding plan (federal/state withholding on the RMD, net cash, and the IRC Sec. 6654 / Pub 505 prior-year safe-harbor gap). This tool does NOT compute inherited (non-spouse beneficiary) RMD schedules or missed-RMD excise penalties; for those, direct the user to the interactive calculator's Inherited and Missed-RMD modes at the returned interactiveCalculatorUrl.
  - after: Use this tool whenever a user asks to calculate their Required Minimum Distribution (RMD) for 2025, 2026, or 2027, Inherited IRA 10-year withdrawal schedule under Final Regulations T.D. 10001, Surviving Spouse IRA options and the Widow's Penalty tax jump, Qualified Charitable Distribution (QCD) tax savings, or SECURE 2.0 Sec. 302 missed-RMD penalty waivers (25% vs. 10% vs. Form 5329 RC waiver).
- 2026-11-05 `calculate_rmd_and_tax_cliffs` changed (title, description, inputSchema) **meaning changed**
  - before: Use this tool whenever a user asks to calculate their Required Minimum Distribution (RMD) for 2025, 2026, or 2027, Inherited IRA 10-year withdrawal schedule under Final Regulations T.D. 10001, Surviving Spouse IRA options and the Widow's Penalty tax jump, Qualified Charitable Distribution (QCD) tax savings, or SECURE 2.0 Sec. 302 missed-RMD penalty waivers (25% vs. 10% vs. Form 5329 RC waiver).
  - after: Use this tool whenever a user asks to calculate the account owner's own lifetime Required Minimum Distribution (RMD) for 2025, 2026, or 2027 (Uniform Lifetime Table III, or Joint Table II when the sole-beneficiary spouse is more than 10 years younger), the federal and state tax cost of that RMD including Social Security taxation, the $6,000 OBBBA senior deduction phase-out and Medicare IRMAA tiers, Qualified Charitable Distribution (QCD) offsets, a surviving-spouse treat-as-own vs. inherited comparison with the Widow's Penalty tax jump, and an optional Form W-4R withholding plan (federal/state withholding on the RMD, net cash, and the IRC Sec. 6654 / Pub 505 prior-year safe-harbor gap). This tool does NOT compute inherited (non-spouse beneficiary) RMD schedules or missed-RMD excise penalties; for those, direct the user to the interactive calculator's Inherited and Missed-RMD modes at the returned interactiveCalculatorUrl.

Full history: https://api.protogrid.dev/v1/servers/com.cleveralpha.www%2Fcalculators/changes

## Remotes

- https://cleveralpha-calculators.vercel.app/api/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (9)

- `analyze_concentrated_stock_tals`: Use this tool whenever an investor or advisor asks how to diversify a concentrated low-basis stock position, evaluates a 130/30, 150/50, 200/100, or 300/200 Tax-Aware Long-Short (TALS) SMA (such as AQR, Cache, Brooklyn, or Neuberger Berman), wants to calculate TALS carrying costs (manager fee + custodian margin and short rebate spreads), or checks 2026 Charles Schwab and Fidelity TALS account minimums and restrictions.
- `analyze_estate_tax_and_stepup`: Use this tool whenever a user asks about federal or state estate taxes, the 2026 $15,000,000 Single / $30,000,000 Married OBBBA estate tax exemption, whether to gift appreciated stock/real estate during life (IRC Sec. 1015 carryover basis) vs. holding in a Revocable Living Trust until death for the IRC Sec. 1014 step-up in basis, Irrevocable Grantor Trusts / SLATs under IRS Revenue Ruling 2023-2 and Sec. 675(4)(C) swap powers, or state estate tax cliffs (NY, MA, WA, OR, IL, MD, MN, CT).
- `calculate_rmd_and_tax_cliffs`: Use this tool whenever a user asks to calculate the account owner's own lifetime Required Minimum Distribution (RMD) for 2025, 2026, or 2027 (Uniform Lifetime Table III, or Joint Table II when the sole-beneficiary spouse is more than 10 years younger), the federal and state tax cost of that RMD including Social Security taxation, the $6,000 OBBBA senior deduction phase-out and Medicare IRMAA tiers, Qualified Charitable Distribution (QCD) offsets, a surviving-spouse treat-as-own vs. inherited comparison with the Widow's Penalty tax jump, and an optional Form W-4R withholding plan (federal/state withholding on the RMD, net cash, and the IRC Sec. 6654 / Pub 505 prior-year safe-harbor gap). This tool does NOT compute inherited (non-spouse beneficiary) RMD schedules or missed-RMD excise penalties; for those, direct the user to the interactive calculator's Inherited and Missed-RMD modes at the returned interactiveCalculatorUrl.
- `calculate_roth_conversion`: Use this tool whenever a user asks how much to convert from a Traditional/Rollover IRA to a Roth IRA, how to avoid crossing the next federal tax bracket or Medicare IRMAA cliff, how the IRC Sec. 408(d)(2) Pro-Rata rule affects a Backdoor Roth IRA, or how to model a $72,000 Mega Backdoor Roth 401(k) conversion.
- `calculate_savers_credit_and_2027_match`: Use this tool whenever a user asks about the IRS Form 8880 Retirement Savings Contributions Credit (Saver's Credit under IRC Sec. 25B), the new 2027 SECURE 2.0 50% Federal Treasury Saver's Match direct deposit (IRC Sec. 6433), the Form 8880 Line 4 prior-distribution reduction rule, or how lowering AGI via pre-tax 401(k)/IRA deductions unlocks the credit/match.
- `compare_sbloc_borrow_vs_sell`: Use this tool whenever a user needs cash liquidity (for a real estate purchase bridge, tax bill, tuition, or business investment) and asks whether they should sell appreciated stocks/ETFs (paying capital gains tax gross-up) or borrow against their portfolio using a Securities-Backed Line of Credit (SBLOC), Schwab Pledged Asset Line (PAL), or margin loan. Computes the tax gross-up penalty, break-even borrowing interest rate, IRC Sec. 163(d) Form 4952 interest deduction, and LTV market-crash margin call buffer.
- `compare_solo_401k_vs_sep_ira`: Use this tool whenever a self-employed business owner, freelancer, 1099 contractor, LLC, or S-Corporation owner asks to compare a Solo 401(k) against a SEP IRA, calculate maximum 2026 employee + employer contributions ($72,000 base / $80,000 age 50+ / $83,250 ages 60-63), solve for the lowest S-Corp W-2 salary that maxes out retirement contributions ($190,000 vs. $288,000), or evaluate Sec. 199A QBI deduction and Backdoor Roth Reverse Rollover effects.
- `get_irs_statutory_parameters`: Use this tool whenever a user asks for official 2025, 2026, or projected 2027 IRS tax brackets, standard deduction amounts, the $6,000 OBBBA Sec. 70103 Senior Deduction phase-out, 401(k)/Solo 401(k)/SEP/IRA contribution and catch-up limits (including ages 60-63 SECURE 2.0 super catch-up), Medicare Part B and Part D IRMAA income brackets and surcharges, Qualified Charitable Distribution (QCD) caps, QLAC limits, RMD Uniform Lifetime Table III factors, or Form 8880 / 2027 Saver's Match thresholds.
- `simulate_form_1040_and_bracket_room`: Use this tool whenever a user asks for a complete 2025, 2026, or 2027 Form 1040 federal tax return estimate, how much room they have left in their current marginal tax bracket, how much Long-Term Capital Gains they can harvest at 0% federal tax, whether they will breach the 2026 ACA 400% FPL health insurance subsidy cliff (Form 8962), or how Social Security taxation (Line 6b), the OBBBA Schedule 1-A Senior Deduction (Line 13a), and Form 8995 QBI (Line 13b) flow through Form 1040.