calculators

com.cleveralpha.www/calculatorsVersion 1.0.0

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

Status

Responds300 msNov 14, 2026, 13:51 UTCAnswered our handshake without sign-in.

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Last checked: Nov 14, 2026, 13:51 UTC
Latency: 300 ms
Remotes responding: 1 of 1
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Hosting: Hosted outside the EU (detected)
Registry data as of: Nov 14, 2026, 22:14 UTC

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Connect

Streamable HTTP

https://cleveralpha-calculators.vercel.app/api/mcpResponds300 msNov 14, 2026, 13:51 UTC

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Claude Code

claude mcp add --transport http calculators https://cleveralpha-calculators.vercel.app/api/mcp

Claude Desktop and claude.ai

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Settings > Connectors > Add custom connector
Name: calculators
Remote MCP server URL: https://cleveralpha-calculators.vercel.app/api/mcp

Cursor

{
  "mcpServers": {
    "calculators": {
      "url": "https://cleveralpha-calculators.vercel.app/api/mcp"
    }
  }
}

VS Code

code --add-mcp '{"name":"calculators","type":"http","url":"https://cleveralpha-calculators.vercel.app/api/mcp"}'

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Tools

17 tools

Tools of calculators
	Description		Read-only	Idempotent	Open world
`analyze_401k_rollover_options`Use this tool whenever a user asks whether a rollover between two retirement account types is permitted under the IRS Rollover Chart (Roth IRA, Traditional/Rollover IRA, SIMPLE IRA, SEP-IRA, Governmental 457(b), Qualified Plan 401(k), 403(b), Designated Roth 401(k)), how to avoid the mandatory 20% IRC Sec. 3405(c) indirect withholding trap, or how Rule of 55, 457(b) separation, SIMPLE 2-year rules, employer stock NUA, and 20-year plan fee drag apply.	Use this tool whenever a user asks whether a rollover between two retirement account types is permitted under the IRS Rollover Chart (Roth IRA, Traditional/Rollover IRA, SIMPLE IRA, SEP-IRA, Governmental 457(b), Qualified Plan 401(k), 403(b), Designated Roth 401(k)), how to avoid the mandatory 20% IRC Sec. 3405(c) indirect withholding trap, or how Rule of 55, 457(b) separation, SIMPLE 2-year rules, employer stock NUA, and 20-year plan fee drag apply.	No	Yes	Not declared	No
`analyze_529_college_savings_and_roth_rollover`Use this tool whenever a user asks about state income tax deductions or credits for 529 college savings contributions across any U.S. state or DC, Tax-Parity states (AZ, AR, KS, ME, MN, MO, MT, OH, PA), K-12 $20,000/yr state conformity traps (CA, NY, etc.), 5-year gift-tax superfunding ($95,000 Single / $190,000 Married on Form 709), or rolling up to $35,000 of unused 529 funds into a beneficiary Roth IRA under SECURE 2.0 Sec. 126.	Use this tool whenever a user asks about state income tax deductions or credits for 529 college savings contributions across any U.S. state or DC, Tax-Parity states (AZ, AR, KS, ME, MN, MO, MT, OH, PA), K-12 $20,000/yr state conformity traps (CA, NY, etc.), 5-year gift-tax superfunding ($95,000 Single / $190,000 Married on Form 709), or rolling up to $35,000 of unused 529 funds into a beneficiary Roth IRA under SECURE 2.0 Sec. 126.	No	Yes	Not declared	No
`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.	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.	No	Yes	Not declared	No
`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).	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).	No	Yes	Not declared	No
`analyze_social_security_claiming`Use this tool whenever a user asks when to claim Social Security between age 62 and age 70, what their Full Retirement Age (FRA) reduction or +8%/yr Delayed Retirement Credit (DRC) is, what cumulative lifetime break-even age applies, how spousal, survivor (20 CFR Sec. 404.335), or divorced-spouse benefits coordinate, or how the pre-FRA Earnings Test (42 U.S.C. Sec. 403(f)), IRC Sec. 86 taxability, and P.L. 118-273 WEP/GPO repeal apply.	Use this tool whenever a user asks when to claim Social Security between age 62 and age 70, what their Full Retirement Age (FRA) reduction or +8%/yr Delayed Retirement Credit (DRC) is, what cumulative lifetime break-even age applies, how spousal, survivor (20 CFR Sec. 404.335), or divorced-spouse benefits coordinate, or how the pre-FRA Earnings Test (42 U.S.C. Sec. 403(f)), IRC Sec. 86 taxability, and P.L. 118-273 WEP/GPO repeal apply.	No	Yes	Not declared	No
`calculate_asset_location_tax_alpha`Use this tool whenever a user asks how much annual tax drag or multi-decade wealth they can save by coordinating ETF placement across Taxable Brokerage, Pre-Tax Traditional IRA/401(k), and Tax-Free Roth accounts (sheltering ordinary-income bonds/REITs in IRAs and placing high-growth equities in Roth), including SEC Rule 206(4)-1(d)(1) Gross vs. Net-of-Fee suitability.	Use this tool whenever a user asks how much annual tax drag or multi-decade wealth they can save by coordinating ETF placement across Taxable Brokerage, Pre-Tax Traditional IRA/401(k), and Tax-Free Roth accounts (sheltering ordinary-income bonds/REITs in IRAs and placing high-growth equities in Roth), including SEC Rule 206(4)-1(d)(1) Gross vs. Net-of-Fee suitability.	No	Yes	Not declared	No
`calculate_child_investment_and_trump_account`Use this tool whenever a user asks about investing for a child or newborn, the OBBBA IRC Sec. 530A Trump Account ($1,000 federal pilot seed for 2025-2028 births + $5,000/yr cap, converting to Traditional IRA rules at age 18), comparing a Trump Account vs. 529 Plan vs. Custodial Roth IRA vs. UGMA/UTMA custodial brokerage, or modeling IRC Sec. 1(g) Kiddie Tax drag.	Use this tool whenever a user asks about investing for a child or newborn, the OBBBA IRC Sec. 530A Trump Account ($1,000 federal pilot seed for 2025-2028 births + $5,000/yr cap, converting to Traditional IRA rules at age 18), comparing a Trump Account vs. 529 Plan vs. Custodial Roth IRA vs. UGMA/UTMA custodial brokerage, or modeling IRC Sec. 1(g) Kiddie Tax drag.	No	Yes	Not declared	No
`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.	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.	No	Yes	Not declared	No
`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.	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.	No	Yes	Not declared	No
`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.	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.	No	Yes	Not declared	No
`check_ira_deductibility_and_roth_limits`Use this tool whenever a user asks whether their Traditional IRA contribution is tax-deductible, how much they can contribute directly to a Roth IRA under IRC Sec. 408A, how workplace 401(k) coverage or spouse-only coverage affects 2025-2027 MAGI phase-out bands (including IRC Sec. 219(g)(4) MFS lived-apart rules and IRS Pub. 590-A $10 rounding / $200 floor), or whether they should execute a Form 8606 Backdoor Roth.	Use this tool whenever a user asks whether their Traditional IRA contribution is tax-deductible, how much they can contribute directly to a Roth IRA under IRC Sec. 408A, how workplace 401(k) coverage or spouse-only coverage affects 2025-2027 MAGI phase-out bands (including IRC Sec. 219(g)(4) MFS lived-apart rules and IRS Pub. 590-A $10 rounding / $200 floor), or whether they should execute a Form 8606 Backdoor Roth.	No	Yes	Not declared	No
`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.	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.	No	Yes	Not declared	No
`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.	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.	No	Yes	Not declared	No
`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.	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.	No	Yes	Not declared	No
`model_portfolio_allocation_glidepath`Use this tool whenever a user asks how CleverAlpha allocates an ETF portfolio for a given investment time horizon (1 to 25 years) and risk tolerance (Low, Low-Medium, Medium, Medium-High, High), or wants exact percentage weights across Domestic/International Equities, Fixed Income/TIPS, Real Estate/Gold/Commodities, and Cash.	Use this tool whenever a user asks how CleverAlpha allocates an ETF portfolio for a given investment time horizon (1 to 25 years) and risk tolerance (Low, Low-Medium, Medium, Medium-High, High), or wants exact percentage weights across Domestic/International Equities, Fixed Income/TIPS, Real Estate/Gold/Commodities, and Cash.	No	Yes	Not declared	No
`plan_retirement_income_and_longevity`Use this tool whenever a user asks to project retirement readiness, sustainable real annual spending, Pre-Tax / Roth / Taxable withdrawal tax blending, Social Security and pension bridging, healthcare costs, and 1,000-trial Monte Carlo plan longevity across ages 18 to 100.	Use this tool whenever a user asks to project retirement readiness, sustainable real annual spending, Pre-Tax / Roth / Taxable withdrawal tax blending, Social Security and pension bridging, healthcare costs, and 1,000-trial Monte Carlo plan longevity across ages 18 to 100.	No	Yes	Not declared	No
`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.	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.	No	Yes	Not declared	No

Details

Registry status: Active
Published: Nov 3, 2026
Updated: Nov 3, 2026
Website: Not given
Repository: Not given
Categories (suggested): Finance and paymentsSuggested categories are assigned automatically from the registry text and may be wrong. Verified operators can correct them.
GDPR: Not declared

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