{
  "schema_version": "0.1",
  "name": "AI Fin Hub Tools",
  "description": "AI-accessible personal finance tools on aifinhub.io",
  "tools": [
    {
      "name": "compound_interest",
      "description": "Project compounding growth with inflation-adjusted values and milestone timing.",
      "url": "https://aifinhub.io/compound-interest-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "initial_principal": {
            "type": "integer"
          },
          "monthly_contribution": {
            "type": "integer"
          },
          "annual_return_percent": {
            "type": "integer"
          },
          "years": {
            "type": "integer"
          },
          "annual_inflation_percent": {
            "type": "number"
          },
          "comparison_monthly_contribution": {
            "type": "integer"
          },
          "comparison_annual_return_percent": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "initial_principal",
          "monthly_contribution",
          "annual_return_percent",
          "years",
          "annual_inflation_percent",
          "comparison_monthly_contribution",
          "comparison_annual_return_percent"
        ]
      }
    },
    {
      "name": "mortgage_affordability",
      "description": "Estimate comfortable and maximum home-price ranges from income and debt.",
      "url": "https://aifinhub.io/mortgage-affordability-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "annual_income": {
            "type": "integer"
          },
          "down_payment": {
            "type": "integer"
          },
          "monthly_debt_payments": {
            "type": "integer"
          },
          "max_dti_percent": {
            "type": "integer"
          },
          "mortgage_rate_percent": {
            "type": "number"
          },
          "loan_term_years": {
            "type": "integer"
          },
          "property_tax_rate_percent": {
            "type": "number"
          },
          "annual_home_insurance": {
            "type": "integer"
          },
          "hoa_monthly": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "annual_income",
          "down_payment",
          "monthly_debt_payments",
          "max_dti_percent",
          "mortgage_rate_percent",
          "loan_term_years",
          "property_tax_rate_percent",
          "annual_home_insurance",
          "hoa_monthly"
        ]
      }
    },
    {
      "name": "mortgage_payment_amortization",
      "description": "Estimate monthly housing cost and full-term interest from principal, tax, insurance, and HOA assumptions.",
      "url": "https://aifinhub.io/mortgage-payment-amortization-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "home_price": {
            "type": "integer"
          },
          "down_payment_percent": {
            "type": "integer"
          },
          "annual_rate_percent": {
            "type": "number"
          },
          "loan_term_years": {
            "type": "integer"
          },
          "annual_property_tax_percent": {
            "type": "number"
          },
          "annual_home_insurance": {
            "type": "integer"
          },
          "hoa_monthly": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "home_price",
          "down_payment_percent",
          "annual_rate_percent",
          "loan_term_years",
          "annual_property_tax_percent",
          "annual_home_insurance",
          "hoa_monthly"
        ]
      }
    },
    {
      "name": "rent_vs_buy_break_even",
      "description": "See when buying pulls ahead of renting after equity, monthly cost, and invested cash are all counted.",
      "url": "https://aifinhub.io/rent-vs-buy-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "home_price": {
            "type": "integer"
          },
          "down_payment_percent": {
            "type": "integer"
          },
          "mortgage_rate_percent": {
            "type": "integer"
          },
          "loan_term_years": {
            "type": "integer"
          },
          "monthly_rent": {
            "type": "integer"
          },
          "rent_growth_percent": {
            "type": "integer"
          },
          "home_appreciation_percent": {
            "type": "integer"
          },
          "property_tax_percent": {
            "type": "number"
          },
          "annual_home_insurance": {
            "type": "integer"
          },
          "annual_maintenance_percent": {
            "type": "integer"
          },
          "hoa_monthly": {
            "type": "integer"
          },
          "closing_costs_percent": {
            "type": "integer"
          },
          "selling_costs_percent": {
            "type": "integer"
          },
          "investment_return_percent": {
            "type": "integer"
          },
          "analysis_years": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "home_price",
          "down_payment_percent",
          "mortgage_rate_percent",
          "loan_term_years",
          "monthly_rent",
          "rent_growth_percent",
          "home_appreciation_percent",
          "property_tax_percent",
          "annual_home_insurance",
          "annual_maintenance_percent",
          "hoa_monthly",
          "closing_costs_percent",
          "selling_costs_percent",
          "investment_return_percent",
          "analysis_years"
        ]
      }
    },
    {
      "name": "fire_calculator",
      "description": "See how long financial independence could take and how sensitive the plan is to savings and returns.",
      "url": "https://aifinhub.io/fire-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "current_age": {
            "type": "integer"
          },
          "current_portfolio": {
            "type": "integer"
          },
          "annual_spending": {
            "type": "integer"
          },
          "annual_savings": {
            "type": "integer"
          },
          "expected_return_percent": {
            "type": "integer"
          },
          "volatility_percent": {
            "type": "integer"
          },
          "inflation_percent": {
            "type": "number"
          },
          "withdrawal_rate_percent": {
            "type": "integer"
          },
          "horizon_years": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "current_age",
          "current_portfolio",
          "annual_spending",
          "annual_savings",
          "expected_return_percent",
          "volatility_percent",
          "inflation_percent",
          "withdrawal_rate_percent",
          "horizon_years"
        ]
      }
    },
    {
      "name": "retirement_savings",
      "description": "Model retirement targets, coast checkpoints, and contribution gaps.",
      "url": "https://aifinhub.io/retirement-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "current_age": {
            "type": "integer"
          },
          "retirement_age": {
            "type": "integer"
          },
          "current_savings": {
            "type": "integer"
          },
          "annual_contribution": {
            "type": "integer"
          },
          "annual_return_percent": {
            "type": "integer"
          },
          "annual_inflation_percent": {
            "type": "number"
          },
          "desired_annual_spending": {
            "type": "integer"
          },
          "social_security_annual": {
            "type": "integer"
          },
          "withdrawal_rate_percent": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "current_age",
          "retirement_age",
          "current_savings",
          "annual_contribution",
          "annual_return_percent",
          "annual_inflation_percent",
          "desired_annual_spending",
          "social_security_annual",
          "withdrawal_rate_percent"
        ]
      }
    },
    {
      "name": "roth_vs_traditional_ira",
      "description": "Compare after-tax retirement outcomes with configurable current and future tax assumptions.",
      "url": "https://aifinhub.io/roth-vs-traditional-ira-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "annual_contribution_budget": {
            "type": "integer"
          },
          "current_tax_rate_percent": {
            "type": "integer"
          },
          "retirement_tax_rate_percent": {
            "type": "integer"
          },
          "years": {
            "type": "integer"
          },
          "annual_return_percent": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "annual_contribution_budget",
          "current_tax_rate_percent",
          "retirement_tax_rate_percent",
          "years",
          "annual_return_percent"
        ]
      }
    },
    {
      "name": "employer_match_optimizer",
      "description": "Find how much employer match you capture and how much long-term value is left unclaimed.",
      "url": "https://aifinhub.io/401k-employer-match-optimizer/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "salary": {
            "type": "integer"
          },
          "employee_contribution_percent": {
            "type": "integer"
          },
          "employer_match_percent": {
            "type": "integer"
          },
          "employer_match_limit_percent": {
            "type": "integer"
          },
          "annual_return_percent": {
            "type": "integer"
          },
          "years": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "salary",
          "employee_contribution_percent",
          "employer_match_percent",
          "employer_match_limit_percent",
          "annual_return_percent",
          "years"
        ]
      }
    },
    {
      "name": "net_worth",
      "description": "Calculate net worth, debt ratio, and snapshot trends in one view.",
      "url": "https://aifinhub.io/net-worth-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "assets": {
            "type": "object",
            "properties": {
              "cash": {
                "type": "integer"
              },
              "investments": {
                "type": "integer"
              },
              "retirement": {
                "type": "integer"
              },
              "real_estate": {
                "type": "integer"
              },
              "vehicles": {
                "type": "integer"
              },
              "other_assets": {
                "type": "integer"
              }
            },
            "required": [
              "cash",
              "investments",
              "retirement",
              "real_estate",
              "vehicles",
              "other_assets"
            ]
          },
          "liabilities": {
            "type": "object",
            "properties": {
              "mortgage": {
                "type": "integer"
              },
              "student_loans": {
                "type": "integer"
              },
              "auto_loans": {
                "type": "integer"
              },
              "credit_cards": {
                "type": "integer"
              },
              "other_debt": {
                "type": "integer"
              }
            },
            "required": [
              "mortgage",
              "student_loans",
              "auto_loans",
              "credit_cards",
              "other_debt"
            ]
          },
          "monthly_contribution": {
            "type": "integer"
          },
          "monthly_debt_paydown": {
            "type": "integer"
          },
          "annual_return_percent": {
            "type": "integer"
          },
          "annual_real_estate_appreciation_percent": {
            "type": "number"
          },
          "projection_months": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "assets",
          "liabilities",
          "monthly_contribution",
          "monthly_debt_paydown",
          "annual_return_percent",
          "annual_real_estate_appreciation_percent",
          "projection_months"
        ]
      }
    },
    {
      "name": "savings_goal",
      "description": "Calculate monthly savings needed to reach a target by your chosen date.",
      "url": "https://aifinhub.io/savings-goal-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "goal_amount": {
            "type": "integer"
          },
          "current_savings": {
            "type": "integer"
          },
          "target_date_months": {
            "type": "integer"
          },
          "expected_annual_return": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "goal_amount",
          "current_savings",
          "target_date_months",
          "expected_annual_return"
        ]
      }
    },
    {
      "name": "inflation_impact",
      "description": "Measure purchasing-power erosion and salary-growth gaps over time.",
      "url": "https://aifinhub.io/inflation-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "mode": {
            "type": "string"
          },
          "amount": {
            "type": "integer"
          },
          "from_year": {
            "type": "integer"
          },
          "to_year": {
            "type": "integer"
          },
          "custom_annual_inflation_percent": {
            "type": "integer"
          },
          "salary_today": {
            "type": "integer"
          },
          "salary_growth_percent": {
            "type": "number"
          }
        },
        "required": [
          "tool",
          "mode",
          "amount",
          "from_year",
          "to_year",
          "custom_annual_inflation_percent",
          "salary_today",
          "salary_growth_percent"
        ]
      }
    },
    {
      "name": "real_raise",
      "description": "See whether your raise beats inflation and how your real purchasing power changes over time.",
      "url": "https://aifinhub.io/real-raise-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "current_salary": {
            "type": "integer"
          },
          "raise_percent": {
            "type": "integer"
          },
          "inflation_percent": {
            "type": "number"
          },
          "years": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "current_salary",
          "raise_percent",
          "inflation_percent",
          "years"
        ]
      }
    },
    {
      "name": "investment_fee_impact",
      "description": "Compare fee-ratio scenarios and quantify long-term compounding drag.",
      "url": "https://aifinhub.io/investment-fee-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "initial_investment": {
            "type": "integer"
          },
          "annual_contribution": {
            "type": "integer"
          },
          "years": {
            "type": "integer"
          },
          "gross_return_percent": {
            "type": "integer"
          },
          "expense_ratio_a": {
            "type": "number"
          },
          "expense_ratio_b": {
            "type": "number"
          }
        },
        "required": [
          "tool",
          "initial_investment",
          "annual_contribution",
          "years",
          "gross_return_percent",
          "expense_ratio_a",
          "expense_ratio_b"
        ]
      }
    },
    {
      "name": "loan_payoff",
      "description": "Compare baseline and accelerated payoff plans with interest-savings visibility.",
      "url": "https://aifinhub.io/loan-payoff-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "principal": {
            "type": "integer"
          },
          "annual_rate_percent": {
            "type": "number"
          },
          "monthly_payment": {
            "type": "integer"
          },
          "extra_monthly_payment": {
            "type": "integer"
          },
          "lump_sum_payment": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "principal",
          "annual_rate_percent",
          "monthly_payment",
          "extra_monthly_payment",
          "lump_sum_payment"
        ]
      }
    },
    {
      "name": "debt_payoff_strategy",
      "description": "Compare snowball, avalanche, and hybrid debt plans with timeline impact.",
      "url": "https://aifinhub.io/debt-payoff-strategy-planner/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "debts": {
            "type": "array",
            "items": {
              "type": "object",
              "properties": {
                "id": {
                  "type": "string"
                },
                "name": {
                  "type": "string"
                },
                "balance": {
                  "type": "integer"
                },
                "apr_percent": {
                  "type": "number"
                },
                "minimum_payment": {
                  "type": "integer"
                }
              },
              "required": [
                "id",
                "name",
                "balance",
                "apr_percent",
                "minimum_payment"
              ]
            }
          },
          "extra_monthly_payment": {
            "type": "integer"
          },
          "strategy": {
            "type": "string"
          },
          "payoff_priority_order": {
            "type": "array",
            "items": {
              "type": "string"
            }
          },
          "start_year": {
            "type": "integer"
          },
          "start_month": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "debts",
          "extra_monthly_payment",
          "strategy",
          "payoff_priority_order",
          "start_year",
          "start_month"
        ]
      }
    },
    {
      "name": "debt_to_income",
      "description": "Calculate front-end and back-end DTI plus borrowing capacity.",
      "url": "https://aifinhub.io/debt-to-income-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "gross_monthly_income": {
            "type": "integer"
          },
          "housing_payment": {
            "type": "integer"
          },
          "other_debt_payments": {
            "type": "integer"
          },
          "preferred_max_dti_percent": {
            "type": "integer"
          },
          "mortgage_rate_percent": {
            "type": "number"
          },
          "mortgage_term_years": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "gross_monthly_income",
          "housing_payment",
          "other_debt_payments",
          "preferred_max_dti_percent",
          "mortgage_rate_percent",
          "mortgage_term_years"
        ]
      }
    },
    {
      "name": "debt_consolidation",
      "description": "Compare a consolidation loan against your current debt stack by payment, payoff speed, and total cost.",
      "url": "https://aifinhub.io/debt-consolidation-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "debt_balance": {
            "type": "integer"
          },
          "weighted_apr_percent": {
            "type": "integer"
          },
          "current_monthly_payment": {
            "type": "integer"
          },
          "new_apr_percent": {
            "type": "number"
          },
          "origination_fee_percent": {
            "type": "integer"
          },
          "new_term_months": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "debt_balance",
          "weighted_apr_percent",
          "current_monthly_payment",
          "new_apr_percent",
          "origination_fee_percent",
          "new_term_months"
        ]
      }
    },
    {
      "name": "student_loan_repayment",
      "description": "Model baseline and accelerated repayment paths with autopay discounts and extra payments.",
      "url": "https://aifinhub.io/student-loan-repayment-planner/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "principal": {
            "type": "integer"
          },
          "apr_percent": {
            "type": "number"
          },
          "monthly_payment": {
            "type": "integer"
          },
          "extra_payment": {
            "type": "integer"
          },
          "autopay_discount_percent": {
            "type": "number"
          }
        },
        "required": [
          "tool",
          "principal",
          "apr_percent",
          "monthly_payment",
          "extra_payment",
          "autopay_discount_percent"
        ]
      }
    },
    {
      "name": "hysa_vs_debt_paydown",
      "description": "Decide whether to keep cash in savings or pay down debt by comparing after-tax yield vs APR drag.",
      "url": "https://aifinhub.io/hysa-vs-debt-paydown-optimizer/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "cash_balance": {
            "type": "integer"
          },
          "hysa_apy_percent": {
            "type": "number"
          },
          "debt_balance": {
            "type": "integer"
          },
          "debt_apr_percent": {
            "type": "integer"
          },
          "horizon_months": {
            "type": "integer"
          },
          "marginal_tax_rate_percent": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "cash_balance",
          "hysa_apy_percent",
          "debt_balance",
          "debt_apr_percent",
          "horizon_months",
          "marginal_tax_rate_percent"
        ]
      }
    },
    {
      "name": "balance_transfer_break_even",
      "description": "Check if a balance transfer saves money after fees and promo timing.",
      "url": "https://aifinhub.io/balance-transfer-break-even-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "current_balance": {
            "type": "integer"
          },
          "current_apr": {
            "type": "number"
          },
          "current_monthly_payment": {
            "type": "integer"
          },
          "transfer_fee_percent": {
            "type": "integer"
          },
          "transfer_fee_min": {
            "type": "integer"
          },
          "intro_apr": {
            "type": "integer"
          },
          "intro_months": {
            "type": "integer"
          },
          "post_intro_apr": {
            "type": "number"
          },
          "approved_transfer_amount": {
            "type": "integer"
          },
          "days_until_transfer": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "current_balance",
          "current_apr",
          "current_monthly_payment",
          "transfer_fee_percent",
          "transfer_fee_min",
          "intro_apr",
          "intro_months",
          "post_intro_apr",
          "approved_transfer_amount",
          "days_until_transfer"
        ]
      }
    },
    {
      "name": "bnpl_stack_true_cost",
      "description": "See when stacked BNPL plans get risky and what they really cost if payments slip.",
      "url": "https://aifinhub.io/bnpl-stacking-true-cost-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "plans": {
            "type": "array",
            "items": {
              "type": "object",
              "properties": {
                "amount": {
                  "type": "integer"
                },
                "installment_count": {
                  "type": "integer"
                },
                "frequency_days": {
                  "type": "integer"
                },
                "start_date": {
                  "type": "string"
                },
                "late_fee": {
                  "type": "integer"
                },
                "grace_days": {
                  "type": "integer"
                }
              },
              "required": [
                "amount",
                "installment_count",
                "frequency_days",
                "start_date",
                "late_fee",
                "grace_days"
              ]
            }
          },
          "monthly_take_home": {
            "type": "integer"
          },
          "fixed_monthly_expenses": {
            "type": "integer"
          },
          "paycheck_dates": {
            "type": "array",
            "items": {
              "type": "string"
            }
          }
        },
        "required": [
          "tool",
          "plans",
          "monthly_take_home",
          "fixed_monthly_expenses",
          "paycheck_dates"
        ]
      }
    },
    {
      "name": "medical_bill_payment_path",
      "description": "Compare discounts, provider plans, and financing so you can pick the cheapest path with the least pain.",
      "url": "https://aifinhub.io/medical-bill-payment-path-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "bill_amount": {
            "type": "integer"
          },
          "cash_discount_percent": {
            "type": "integer"
          },
          "provider_plan_months": {
            "type": "integer"
          },
          "provider_plan_fees": {
            "type": "integer"
          },
          "card_or_loan_apr": {
            "type": "integer"
          },
          "card_or_loan_term_months": {
            "type": "integer"
          },
          "monthly_budget_available": {
            "type": "integer"
          },
          "emergency_cash_buffer": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "bill_amount",
          "cash_discount_percent",
          "provider_plan_months",
          "provider_plan_fees",
          "card_or_loan_apr",
          "card_or_loan_term_months",
          "monthly_budget_available",
          "emergency_cash_buffer"
        ]
      }
    },
    {
      "name": "emergency_fund",
      "description": "Set personalized emergency-fund targets and timeline to reach safety levels.",
      "url": "https://aifinhub.io/emergency-fund-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "monthly_essential_expenses": {
            "type": "integer"
          },
          "current_emergency_fund": {
            "type": "integer"
          },
          "monthly_savings_capacity": {
            "type": "integer"
          },
          "dependents_count": {
            "type": "integer"
          },
          "job_stability_score": {
            "type": "integer"
          },
          "deductible_exposure": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "monthly_essential_expenses",
          "current_emergency_fund",
          "monthly_savings_capacity",
          "dependents_count",
          "job_stability_score",
          "deductible_exposure"
        ]
      }
    },
    {
      "name": "emergency_fund_runway",
      "description": "Estimate emergency runway under stress and how long rebuild will take.",
      "url": "https://aifinhub.io/emergency-fund-runway-planner/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "liquid_reserves": {
            "type": "integer"
          },
          "essential_monthly_expenses": {
            "type": "integer"
          },
          "baseline_monthly_income": {
            "type": "integer"
          },
          "monthly_savings_capacity": {
            "type": "integer"
          },
          "target_runway_months": {
            "type": "integer"
          },
          "income_loss_percent": {
            "type": "integer"
          },
          "expense_spike_percent": {
            "type": "integer"
          },
          "shock_duration_months": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "liquid_reserves",
          "essential_monthly_expenses",
          "baseline_monthly_income",
          "monthly_savings_capacity",
          "target_runway_months",
          "income_loss_percent",
          "expense_spike_percent",
          "shock_duration_months"
        ]
      }
    },
    {
      "name": "income_smoothing_buffer",
      "description": "Turn irregular income into a steady monthly paycheck with buffer planning.",
      "url": "https://aifinhub.io/variable-income-buffer-paycheck-smoothing-planner/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "monthly_income_history": {
            "type": "array",
            "items": {
              "type": "integer"
            }
          },
          "monthly_non_negotiable_expenses": {
            "type": "integer"
          },
          "desired_monthly_draw": {
            "type": "integer"
          },
          "confidence_target": {
            "type": "integer"
          },
          "current_buffer_balance": {
            "type": "integer"
          },
          "outlier_trim_mode": {
            "type": "boolean"
          }
        },
        "required": [
          "tool",
          "monthly_income_history",
          "monthly_non_negotiable_expenses",
          "desired_monthly_draw",
          "confidence_target",
          "current_buffer_balance",
          "outlier_trim_mode"
        ]
      }
    },
    {
      "name": "rent_move_break_even",
      "description": "See when staying costs more than moving with clear horizon totals.",
      "url": "https://aifinhub.io/rent-increase-vs-move-break-even-planner/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "new_rent_if_stay": {
            "type": "integer"
          },
          "target_rent_if_move": {
            "type": "integer"
          },
          "one_time_move_costs": {
            "type": "integer"
          },
          "move_incentives": {
            "type": "integer"
          },
          "monthly_commute_delta": {
            "type": "integer"
          },
          "monthly_utility_delta": {
            "type": "integer"
          },
          "analysis_horizon_months": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "new_rent_if_stay",
          "target_rent_if_move",
          "one_time_move_costs",
          "move_incentives",
          "monthly_commute_delta",
          "monthly_utility_delta",
          "analysis_horizon_months"
        ]
      }
    },
    {
      "name": "auto_refinance_break_even",
      "description": "Check if refinancing saves money after fees, penalties, and term changes.",
      "url": "https://aifinhub.io/car-loan-refinance-break-even-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "current_principal": {
            "type": "integer"
          },
          "current_apr": {
            "type": "number"
          },
          "months_remaining": {
            "type": "integer"
          },
          "current_monthly_payment": {
            "type": "integer"
          },
          "new_apr": {
            "type": "number"
          },
          "new_term_months": {
            "type": "integer"
          },
          "refinance_fees_total": {
            "type": "integer"
          },
          "prepayment_penalty": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "current_principal",
          "current_apr",
          "months_remaining",
          "current_monthly_payment",
          "new_apr",
          "new_term_months",
          "refinance_fees_total",
          "prepayment_penalty"
        ]
      }
    },
    {
      "name": "insurance_deductible_break_even",
      "description": "Compare deductible options by expected annual cost and cash-buffer safety.",
      "url": "https://aifinhub.io/insurance-deductible-break-even-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "coverage_type": {
            "type": "string"
          },
          "options": {
            "type": "array",
            "items": {
              "type": "object",
              "properties": {
                "deductible": {
                  "type": "integer"
                },
                "annual_premium": {
                  "type": "integer"
                }
              },
              "required": [
                "deductible",
                "annual_premium"
              ]
            }
          },
          "expected_claims_per_year": {
            "type": "number"
          },
          "average_claim_amount": {
            "type": "integer"
          },
          "surcharge_percent": {
            "type": "integer"
          },
          "surcharge_years": {
            "type": "integer"
          },
          "cash_buffer": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "coverage_type",
          "options",
          "expected_claims_per_year",
          "average_claim_amount",
          "surcharge_percent",
          "surcharge_years",
          "cash_buffer"
        ]
      }
    },
    {
      "name": "electricity_plan_switch",
      "description": "Compare electricity plans with your real usage, fees, and break-even point.",
      "url": "https://aifinhub.io/electricity-plan-switch-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "monthly_kwh": {
            "type": "array",
            "items": {
              "type": "integer"
            }
          },
          "contract_months": {
            "type": "integer"
          },
          "current_plan": {
            "type": "object",
            "properties": {
              "pricing_model": {
                "type": "string"
              },
              "flat_rate_per_kwh": {
                "type": "number"
              },
              "peak_rate_per_kwh": {
                "type": "integer"
              },
              "offpeak_rate_per_kwh": {
                "type": "integer"
              },
              "peak_share": {
                "type": "number"
              },
              "offpeak_share": {
                "type": "number"
              },
              "monthly_fixed_fee": {
                "type": "integer"
              },
              "other_monthly_charges": {
                "type": "integer"
              },
              "other_per_kwh_charges": {
                "type": "number"
              },
              "signup_credit": {
                "type": "integer"
              },
              "cancellation_fee": {
                "type": "integer"
              }
            },
            "required": [
              "pricing_model",
              "flat_rate_per_kwh",
              "peak_rate_per_kwh",
              "offpeak_rate_per_kwh",
              "peak_share",
              "offpeak_share",
              "monthly_fixed_fee",
              "other_monthly_charges",
              "other_per_kwh_charges",
              "signup_credit",
              "cancellation_fee"
            ]
          },
          "candidate_plan": {
            "type": "object",
            "properties": {
              "pricing_model": {
                "type": "string"
              },
              "flat_rate_per_kwh": {
                "type": "integer"
              },
              "peak_rate_per_kwh": {
                "type": "number"
              },
              "offpeak_rate_per_kwh": {
                "type": "number"
              },
              "peak_share": {
                "type": "number"
              },
              "offpeak_share": {
                "type": "number"
              },
              "monthly_fixed_fee": {
                "type": "integer"
              },
              "other_monthly_charges": {
                "type": "integer"
              },
              "other_per_kwh_charges": {
                "type": "number"
              },
              "signup_credit": {
                "type": "integer"
              },
              "cancellation_fee": {
                "type": "integer"
              }
            },
            "required": [
              "pricing_model",
              "flat_rate_per_kwh",
              "peak_rate_per_kwh",
              "offpeak_rate_per_kwh",
              "peak_share",
              "offpeak_share",
              "monthly_fixed_fee",
              "other_monthly_charges",
              "other_per_kwh_charges",
              "signup_credit",
              "cancellation_fee"
            ]
          }
        },
        "required": [
          "tool",
          "monthly_kwh",
          "contract_months",
          "current_plan",
          "candidate_plan"
        ]
      }
    },
    {
      "name": "childcare_take_home_delta",
      "description": "Measure take-home impact after childcare, taxes, and commute costs.",
      "url": "https://aifinhub.io/childcare-vs-take-home-pay-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "gross_annual_income": {
            "type": "integer"
          },
          "effective_tax_rate": {
            "type": "integer"
          },
          "children": {
            "type": "array",
            "items": {
              "type": "object",
              "properties": {
                "age_band": {
                  "type": "string"
                },
                "monthly_care_cost": {
                  "type": "integer"
                }
              },
              "required": [
                "age_band",
                "monthly_care_cost"
              ]
            }
          },
          "work_monthly_costs": {
            "type": "integer"
          },
          "annual_credit_or_subsidy": {
            "type": "integer"
          },
          "hours_worked_per_week": {
            "type": "integer"
          },
          "weeks_per_year": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "gross_annual_income",
          "effective_tax_rate",
          "children",
          "work_monthly_costs",
          "annual_credit_or_subsidy",
          "hours_worked_per_week",
          "weeks_per_year"
        ]
      }
    },
    {
      "name": "side_hustle_tax",
      "description": "Estimate side-income tax impact and set monthly and quarterly reserves.",
      "url": "https://aifinhub.io/side-hustle-tax-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "side_hustle_gross_income_annual": {
            "type": "integer"
          },
          "side_hustle_deductible_expenses_annual": {
            "type": "integer"
          },
          "primary_w2_income_annual": {
            "type": "integer"
          },
          "filing_status": {
            "type": "string"
          },
          "additional_deduction_annual": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "side_hustle_gross_income_annual",
          "side_hustle_deductible_expenses_annual",
          "primary_w2_income_annual",
          "filing_status",
          "additional_deduction_annual"
        ]
      }
    },
    {
      "name": "gig_tax_set_aside",
      "description": "Set practical monthly and quarterly tax reserves for variable income.",
      "url": "https://aifinhub.io/gig-worker-quarterly-tax-set-aside-planner/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "gross_income_by_month": {
            "type": "array",
            "items": {
              "type": "integer"
            }
          },
          "deductible_expenses_by_month": {
            "type": "array",
            "items": {
              "type": "integer"
            }
          },
          "effective_federal_rate": {
            "type": "integer"
          },
          "effective_state_rate": {
            "type": "integer"
          },
          "prior_year_total_tax": {
            "type": "integer"
          },
          "filing_status": {
            "type": "string"
          },
          "agi_threshold_over_150k": {
            "type": "boolean"
          }
        },
        "required": [
          "tool",
          "gross_income_by_month",
          "deductible_expenses_by_month",
          "effective_federal_rate",
          "effective_state_rate",
          "prior_year_total_tax",
          "filing_status",
          "agi_threshold_over_150k"
        ]
      }
    },
    {
      "name": "tax_bracket",
      "description": "Find your 2025 federal marginal bracket, effective rate, and per-bracket tax breakdown.",
      "url": "https://aifinhub.io/tax-bracket-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "gross_income": {
            "type": "integer"
          },
          "filing_status": {
            "type": "string"
          },
          "deduction": {
            "type": "string"
          }
        },
        "required": [
          "tool",
          "gross_income",
          "filing_status",
          "deduction"
        ]
      }
    },
    {
      "name": "subscription_audit",
      "description": "Rank subscriptions by cost-per-use and invested-instead opportunity cost.",
      "url": "https://aifinhub.io/subscription-audit-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "subscriptions": {
            "type": "array",
            "items": {
              "type": "object",
              "properties": {
                "id": {
                  "type": "string"
                },
                "name": {
                  "type": "string"
                },
                "monthly_cost": {
                  "type": "integer"
                },
                "uses_per_month": {
                  "type": "integer"
                },
                "category": {
                  "type": "string"
                }
              },
              "required": [
                "id",
                "name",
                "monthly_cost",
                "uses_per_month",
                "category"
              ]
            }
          },
          "annual_return_percent": {
            "type": "integer"
          },
          "analysis_years": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "subscriptions",
          "annual_return_percent",
          "analysis_years"
        ]
      }
    },
    {
      "name": "subscription_price_risk",
      "description": "See which subscriptions to cut first after a price hike and how much you save.",
      "url": "https://aifinhub.io/subscription-price-hike-risk-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "subscriptions": {
            "type": "array",
            "items": {
              "oneOf": [
                {
                  "type": "object",
                  "properties": {
                    "name": {
                      "type": "string"
                    },
                    "monthly_price": {
                      "type": "number"
                    },
                    "usage_per_month": {
                      "type": "integer"
                    },
                    "value_score": {
                      "type": "integer"
                    },
                    "price_elasticity": {
                      "type": "number"
                    }
                  },
                  "required": [
                    "name",
                    "monthly_price",
                    "usage_per_month",
                    "value_score",
                    "price_elasticity"
                  ]
                },
                {
                  "type": "object",
                  "properties": {
                    "name": {
                      "type": "string"
                    },
                    "monthly_price": {
                      "type": "integer"
                    },
                    "usage_per_month": {
                      "type": "integer"
                    },
                    "value_score": {
                      "type": "integer"
                    },
                    "price_elasticity": {
                      "type": "number"
                    }
                  },
                  "required": [
                    "name",
                    "monthly_price",
                    "usage_per_month",
                    "value_score",
                    "price_elasticity"
                  ]
                }
              ]
            }
          },
          "global_price_hike_percent": {
            "type": "integer"
          },
          "target_savings_percent": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "subscriptions",
          "global_price_hike_percent",
          "target_savings_percent"
        ]
      }
    },
    {
      "name": "tip_calculator",
      "description": "Calculate tip amounts and split bills evenly or by custom shares.",
      "url": "https://aifinhub.io/tip-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "bill_amount": {
            "type": "integer"
          },
          "tip_percent": {
            "type": "integer"
          },
          "number_of_people": {
            "type": "integer"
          },
          "split_mode": {
            "type": "string"
          },
          "custom_shares": {
            "type": "array",
            "items": {
              "type": "string"
            }
          },
          "round_up": {
            "type": "boolean"
          }
        },
        "required": [
          "tool",
          "bill_amount",
          "tip_percent",
          "number_of_people",
          "split_mode",
          "custom_shares",
          "round_up"
        ]
      }
    },
    {
      "name": "budget_rule_503020",
      "description": "Apply the 50/30/20 budgeting rule and compare with your actual spending to optimize your budget.",
      "url": "https://aifinhub.io/50-30-20-budget-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "monthly_income": {
            "type": "integer"
          },
          "needs_pct": {
            "type": "integer"
          },
          "wants_pct": {
            "type": "integer"
          },
          "savings_pct": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "monthly_income",
          "needs_pct",
          "wants_pct",
          "savings_pct"
        ]
      }
    },
    {
      "name": "credit_card_payoff",
      "description": "Calculate credit card payoff timeline, total interest, and compare minimum vs. fixed payment strategies.",
      "url": "https://aifinhub.io/credit-card-payoff-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "balance": {
            "type": "integer"
          },
          "apr_percent": {
            "type": "number"
          },
          "monthly_payment": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "balance",
          "apr_percent",
          "monthly_payment"
        ]
      }
    },
    {
      "name": "apr_apy_converter",
      "description": "Convert between APR and APY for any compounding frequency.",
      "url": "https://aifinhub.io/apr-apy-converter/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "rate": {
            "type": "number"
          },
          "compounding_periods_per_year": {
            "type": "integer"
          },
          "direction": {
            "type": "string"
          }
        },
        "required": [
          "tool",
          "rate",
          "compounding_periods_per_year",
          "direction"
        ]
      }
    },
    {
      "name": "cagr_calculator",
      "description": "Calculate compound annual growth rate from start/end values with doubling time and growth chart.",
      "url": "https://aifinhub.io/cagr-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "start_value": {
            "type": "integer"
          },
          "end_value": {
            "type": "integer"
          },
          "years": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "start_value",
          "end_value",
          "years"
        ]
      }
    },
    {
      "name": "cap_rate_calculator",
      "description": "Calculate cap rate, NOI, GRM, and cash-on-cash return for rental investment properties.",
      "url": "https://aifinhub.io/cap-rate-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "property_value": {
            "type": "integer"
          },
          "gross_rental_income": {
            "type": "integer"
          },
          "vacancy_pct": {
            "type": "integer"
          },
          "operating_expenses": {
            "type": "integer"
          },
          "down_payment_pct": {
            "type": "integer"
          },
          "annual_debt_service": {
            "type": "integer"
          }
        },
        "required": [
          "tool",
          "property_value",
          "gross_rental_income",
          "vacancy_pct",
          "operating_expenses",
          "down_payment_pct",
          "annual_debt_service"
        ]
      }
    },
    {
      "name": "credit_utilization_calculator",
      "description": "Calculate credit card utilization ratio and see how it affects your credit score.",
      "url": "https://aifinhub.io/credit-utilization-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "cards": {
            "type": "array",
            "items": {
              "type": "object",
              "properties": {
                "name": {
                  "type": "string"
                },
                "balance": {
                  "type": "integer"
                },
                "limit": {
                  "type": "integer"
                }
              },
              "required": [
                "name",
                "balance",
                "limit"
              ]
            }
          }
        },
        "required": [
          "tool",
          "cards"
        ]
      }
    },
    {
      "name": "auto_loan",
      "description": "Calculate monthly car payments, total interest, and cost of ownership.",
      "url": "https://aifinhub.io/auto-loan-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "vehicle_price": {
            "type": "integer"
          },
          "down_payment": {
            "type": "integer"
          },
          "trade_in_value": {
            "type": "integer"
          },
          "sales_tax_percent": {
            "type": "number"
          },
          "loan_term_months": {
            "type": "integer"
          },
          "annual_rate_percent": {
            "type": "number"
          }
        },
        "required": [
          "tool",
          "vehicle_price",
          "down_payment",
          "trade_in_value",
          "sales_tax_percent",
          "loan_term_months",
          "annual_rate_percent"
        ]
      }
    },
    {
      "name": "cd_ladder",
      "description": "Plan staggered CD maturities to balance yield and liquidity.",
      "url": "https://aifinhub.io/cd-ladder-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "total_deposit": {
            "type": "integer"
          },
          "rungs": {
            "type": "array",
            "items": {
              "type": "object",
              "properties": {
                "term_months": {
                  "type": "integer"
                },
                "apy_percent": {
                  "type": "number"
                }
              },
              "required": [
                "term_months",
                "apy_percent"
              ]
            }
          }
        },
        "required": [
          "tool",
          "total_deposit",
          "rungs"
        ]
      }
    },
    {
      "name": "lifestyle_creep",
      "description": "Track spending growth vs income across raises to reveal savings rate erosion and FI timeline impact.",
      "url": "https://aifinhub.io/lifestyle-creep-calculator/",
      "inputSchema": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "current_income": {
            "type": "integer"
          },
          "current_spending": {
            "type": "integer"
          },
          "raises": {
            "type": "array",
            "items": {
              "type": "object",
              "properties": {
                "income_increase_percent": {
                  "type": "integer"
                },
                "spending_increase_percent": {
                  "type": "integer"
                }
              },
              "required": [
                "income_increase_percent",
                "spending_increase_percent"
              ]
            }
          }
        },
        "required": [
          "tool",
          "current_income",
          "current_spending",
          "raises"
        ]
      }
    }
  ],
  "disclaimer": "Planning estimates only \u2014 not financial, tax, or investment advice.",
  "creator": {
    "@type": "Organization",
    "name": "Orbyd",
    "url": "https://orbyd.app"
  }
}