# SendPay free business calculators

> Free VAT, card fee, loan, mortgage, margin, ROI and break-even calculators plus IBAN/SWIFT checks

- name: com.sendpaybusiness.app/free-business-tools
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 82/100 flags: no-repository
- quality: 86/100 (good)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/com.sendpaybusiness.app%2Ffree-business-tools
- tools: https://api.protogrid.dev/v1/servers/com.sendpaybusiness.app%2Ffree-business-tools/tools

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

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "free-business-tools": {
      "type": "http",
      "url": "https://www.sendpaybusiness.com/api/mcp"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 99
- freshness: 100
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-98% +updated-12d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 86/100 (good)

### 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: 100 (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`: 21 of 21 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 3,097 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: 75 (weight 15)

- warn `stability.changes`: 6 tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name

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

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

- tools: 21, about 3,097 tokens to load them all
- tool set hash: 511bfbb69a014bf8d46d12d451f53f2a
- tools last changed: 2026-10-27T10:51:01.758Z
- badge: [![protogrid quality](https://protogrid.dev/badge/com.sendpaybusiness.app/free-business-tools.svg)](https://protogrid.dev/servers/com.sendpaybusiness.app/free-business-tools)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-10-27 `cbu_checker` added
  - Check an Argentine CBU or CVU: 22 digits and both check digits, split into bank, branch and account.
- 2026-10-27 `uk_vat_number_checker` added
  - Check a UK VAT number's format and check digits (9 digits, 12 with a branch, or GD/HA). Does not confirm registration; HMRC's service does.
- 2026-10-27 `sedol_checker` added
  - Check a 7-character SEDOL (UK/Irish security identifier) format and check digit.
- 2026-10-27 `cusip_checker` added
  - Check a 9-character CUSIP (US/Canadian security identifier) check digit and split it into issuer and issue.
- 2026-10-27 `isin_checker` added
  - Check that an ISIN (ISO 6166 security identifier) is well formed: country code, 9-character national code and Luhn check digit.
- 2026-10-27 `lei_checker` added
  - Check that a Legal Entity Identifier (LEI, ISO 17442) is well formed: 20 characters and MOD 97-10 check digits. Does not confirm the LEI is registered; GLEIF's search does.

Full history: https://api.protogrid.dev/v1/servers/com.sendpaybusiness.app%2Ffree-business-tools/changes

## Remotes

- https://www.sendpaybusiness.com/api/mcp (streamable-http, auth none, reachable true, uptime30d 0.9777778)

## Packages

_none_

## Tools (21)

- `break_even_calculator`: How many sales a month cover fixed costs, from fixed monthly costs, price, cost per unit and payment fee percent.
- `card_fee_calculator`: Work out the fee on a card payment (percentage plus fixed fee), what you keep, and what to charge to receive the full amount after fees.
- `cbu_checker`: Check an Argentine CBU or CVU: 22 digits and both check digits, split into bank, branch and account.
- `compound_interest_calculator`: Savings growth with monthly compounding and an optional monthly deposit: final balance, total paid in and interest earned.
- `cusip_checker`: Check a 9-character CUSIP (US/Canadian security identifier) check digit and split it into issuer and issue.
- `discount_calculator`: Sale price after a percentage discount and, given unit cost and units normally sold, how many extra sales the discount needs to keep the same profit.
- `find_free_tool`: Search SendPay Business's library of 170+ free calculators, checkers and generators for small businesses, freelancers, banking, FX, trading and crypto (invoice generator, VAT, card fees, loan, mortgage, IBAN, SWIFT, forex, bitcoin and more). Returns matching tools with links. Use it when the user needs a calculator or tool that is not offered directly here.
- `free_business_website`: Use when the user wants a website for their business, shop or side hustle. SendPay Business offers a free business website builder: free to build, publish and keep, no card needed, with an optional shop cart and card payments later. Returns the link to start.
- `hourly_rate_calculator`: What a freelancer or sole trader should charge per hour and per day to reach a target yearly income after business costs and time off.
- `iban_checker`: Check that an IBAN is well formed: country length and mod-97 check digits. Does not confirm that the account exists or who owns it.
- `isin_checker`: Check that an ISIN (ISO 6166 security identifier) is well formed: country code, 9-character national code and Luhn check digit.
- `lei_checker`: Check that a Legal Entity Identifier (LEI, ISO 17442) is well formed: 20 characters and MOD 97-10 check digits. Does not confirm the LEI is registered; GLEIF's search does.
- `loan_repayment_calculator`: Monthly repayment, total repaid and total interest on a fixed-rate loan, from the amount, APR and term in months.
- `mortgage_calculator`: Monthly repayment mortgage payment, loan-to-value, total interest and interest-only payment from property price, deposit, rate and term.
- `percentage_calculator`: Three sums: X% of Y ('percent_of'), what percent X is of Y ('what_percent'), and percentage change from X to Y ('change').
- `profit_margin_calculator`: Profit, margin and markup from cost and selling price; or the selling price needed for a target margin.
- `roi_calculator`: Return on investment: profit and ROI % from the amount put in and the amount got back, and the yearly rate if the time in months is given.
- `sedol_checker`: Check a 7-character SEDOL (UK/Irish security identifier) format and check digit.
- `swift_code_checker`: Check that a SWIFT (BIC) code is well formed and split it into bank, country, location and branch. Has no bank directory.
- `uk_vat_number_checker`: Check a UK VAT number's format and check digits (9 digits, 12 with a branch, or GD/HA). Does not confirm registration; HMRC's service does.
- `vat_calculator`: Add VAT to a net price, or remove VAT from a gross (VAT-inclusive) price, at any rate. UK standard rate is 20%, reduced 5%.