LeaseIQ Pro

Excel-verified lease finance math for AI agents: equipment, solvers, schedules.

Should I use this

Quality & Safety

A
Description quality
96%
Schema completeness
98%
Naming quality
96%
Poisoning risk
100%
Permission match
100%
Protocol compliance
100%

Based on automated analysis of tool definitions and protocol compliance.

Context Cost

~3,128Tokens (tool definitions)
~6.3 KBTypical response size
Significant attention impact (2.44% of 128k context)

This is the approximate number of tokens consumed each time the server's tools are loaded into a model's context. Higher counts reduce the attention available for other tasks.

Install

One-Click Install

Add this to your `claude_desktop_config.json` file:

{
  "mcpServers": {
    "leaseiq-pro": {
      "url": "https://leaseiq-pro.mcpize.run/mcp"
    }
  }
}

Remote endpoints

https://leaseiq-pro.mcpize.run/mcpstreamable-http

What it can do

Tool inventory

Tools (5)

🟢 Read-only🟡 Write🔴 Delete⚪ Unknown
🟢calculate_lease(equipmentCost, leaseTerm, interestRate, residualValue, residualPercent, ...)

Deterministic commercial equipment lease and finance calculator. Computes the exact periodic payment for equipment leases and equipment financing agreements: level payments, balloon, step-up/step-down, custom payment streams, interest-only periods, and skip/seasonal structures. Regression-tested against Excel-verified amortization to the penny. Use this instead of estimating lease payments: LLM arithmetic on compounding interest is unreliable, this engine is not. Returns payment, tax, interim rent, and totals (total interest, total of payments, final balance).

Input Schema

{
  "type": "object",
  "properties": {
    "equipmentCost": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "Total equipment cost in dollars, e.g. 150000"
    },
    "leaseTerm": {
      "type": "integer",
      "minimum": 1,
      "maximum": 600,
      "description": "Lease term in months, e.g. 60"
    },
    "interestRate": {
      "type": "number",
      "minimum": 0,
      "maximum": 100,
      "description": "Annual interest rate as a percentage, e.g. 7.5 for 7.5%"
    },
    "residualValue": {
      "type": "number",
      "minimum": 0,
      "description": "End-of-term residual in dollars (default 0 = full payout). Alternative: residualPercent"
    },
    "residualPercent": {
      "type": "number",
      "minimum": 0,
      "maximum": 100,
      "description": "Residual as a percent of equipment cost, e.g. 10 for 10% FMV"
    },
    "paymentFrequency": {
      "type": "string",
      "enum": [
        "Monthly",
        "Quarterly",
        "Semi-Annual",
        "Annual",
        "Weekly",
        "Bi-Weekly"
      ],
      "description": "Payment frequency (default 'Monthly')"
    },
    "paymentTiming": {
      "type": "string",
      "enum": [
        "Arrears",
        "Advance"
      ],
      "description": "'Arrears' = end of period (default), 'Advance' = beginning of period"
    },
    "taxMethod": {
      "type": "string",
      "enum": [
        "Exempt",
        "Monthly",
        "Upfront"
      ],
      "description": "Sales tax treatment: 'Exempt' (default), 'Monthly' on top of payment, or 'Upfront' capitalized"
    },
    "taxRate": {
      "type": "number",
      "minimum": 0,
      "maximum": 30,
      "description": "Sales tax rate percentage, e.g. 7"
    },
    "downPayment": {
      "type": "number",
      "minimum": 0,
      "description": "Down payment in dollars"
    },
    "additionalClosingFees": {
      "type": "number",
      "minimum": 0,
      "description": "Documentation/closing fees in dollars"
    },
    "upfrontPayments": {
      "type": "integer",
      "minimum": 0,
      "maximum": 12,
      "description": "Number of payments collected in advance at signing"
    },
    "leaseStartDate": {
      "type": "string",
      "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
      "description": "First payment date YYYY-MM-DD (defaults to today)"
    },
    "fundingDate": {
      "type": "string",
      "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
      "description": "Funding date YYYY-MM-DD; a gap before leaseStartDate produces interim rent"
    },
    "paymentStructure": {
      "type": "string",
      "enum": [
        "Level",
        "Balloon",
        "Step",
        "Custom",
        "InterestOnly",
        "Skip"
      ],
      "description": "Payment structure (default 'Level')"
    },
    "balloonPercentage": {
      "type": "number",
      "minimum": 0,
      "maximum": 100,
      "description": "For Balloon: final payment as percent of equipment cost, e.g. 20"
    },
    "steps": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "periodCount": {
            "type": "integer",
            "minimum": 1,
            "description": "How many periods this step lasts"
          },
          "amount": {
            "type": "number",
            "minimum": 0,
            "description": "Payment amount for this step; use 0 with type 'Calculated' to let the engine solve it"
          },
          "type": {
            "type": "string",
            "enum": [
              "Fixed",
              "Calculated",
              "PercentIncrease",
              "PercentDecrease",
              "Compounding",
              "InterestOnly"
            ]
          }
        },
        "required": [
          "periodCount",
          "amount"
        ],
        "additionalProperties": false
      },
      "description": "For Step/Custom structures: ordered payment segments"
    },
    "skipMonths": {
      "type": "array",
      "items": {
        "type": "integer",
        "minimum": 1,
        "maximum": 12
      },
      "description": "For Skip: calendar months (1=Jan..12=Dec) skipped every year of the term, e.g. [12,1,2] for a seasonal business closed in winter"
    },
    "skipPaymentAmount": {
      "type": "number",
      "minimum": 0,
      "description": "Amount paid during skipped months (often 0)"
    },
    "interestOnlyTerm": {
      "type": "integer",
      "minimum": 0,
      "maximum": 120,
      "description": "For InterestOnly: number of interest-only months before amortization begins"
    }
  },
  "required": [
    "equipmentCost",
    "leaseTerm",
    "interestRate"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}
⚪solve_lease_structure(solveFor, targetPayment, equipmentCost, leaseTerm, interestRate, ...)

Newton-Raphson reverse solver for commercial equipment leases. Given a known target payment, solves for the unknown deal variable: the implicit interest rate (yield) buried in a quote, the term length, the residual value, or the present value of a payment stream. This is the tool for questions like "what rate am I really paying?", "what residual makes this payment work?", or "what is this payment stream worth today?". Multi-variable iterative solving that LLMs cannot do reliably by hand.

Input Schema

{
  "type": "object",
  "properties": {
    "solveFor": {
      "type": "string",
      "enum": [
        "Rate",
        "Term",
        "ResidualValue",
        "PresentValue",
        "Commission"
      ],
      "description": "The unknown variable to solve for"
    },
    "targetPayment": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "The known periodic payment amount to solve from"
    },
    "equipmentCost": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "Equipment cost in dollars (omit when solving PresentValue)"
    },
    "leaseTerm": {
      "type": "integer",
      "minimum": 1,
      "maximum": 600,
      "description": "Term in months (omit when solving Term)"
    },
    "interestRate": {
      "type": "number",
      "minimum": 0,
      "maximum": 100,
      "description": "Annual rate percentage (omit when solving Rate)"
    },
    "residualValue": {
      "type": "number",
      "minimum": 0,
      "description": "Residual in dollars (omit when solving ResidualValue)"
    },
    "paymentFrequency": {
      "type": "string",
      "enum": [
        "Monthly",
        "Quarterly",
        "Semi-Annual",
        "Annual",
        "Weekly",
        "Bi-Weekly"
      ]
    },
    "paymentTiming": {
      "type": "string",
      "enum": [
        "Arrears",
        "Advance"
      ]
    }
  },
  "required": [
    "solveFor",
    "targetPayment"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}
⚪generate_amortization_schedule(equipmentCost, leaseTerm, interestRate, residualValue, residualPercent, ...)

Generates the complete period-by-period amortization schedule for a commercial equipment lease or finance agreement: payment date, payment amount, interest portion, principal portion, and remaining balance for every period, plus totals. Supports all payment structures (level, balloon, step, skip/seasonal, interest-only) and both 30/360 and Actual/365 day counts. Use when the user needs the full payment schedule, a payoff balance at a specific period, or interest/principal splits for accounting.

Input Schema

{
  "type": "object",
  "properties": {
    "equipmentCost": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "Total equipment cost in dollars, e.g. 150000"
    },
    "leaseTerm": {
      "type": "integer",
      "minimum": 1,
      "maximum": 600,
      "description": "Lease term in months, e.g. 60"
    },
    "interestRate": {
      "type": "number",
      "minimum": 0,
      "maximum": 100,
      "description": "Annual interest rate as a percentage, e.g. 7.5 for 7.5%"
    },
    "residualValue": {
      "type": "number",
      "minimum": 0,
      "description": "End-of-term residual in dollars (default 0 = full payout). Alternative: residualPercent"
    },
    "residualPercent": {
      "type": "number",
      "minimum": 0,
      "maximum": 100,
      "description": "Residual as a percent of equipment cost, e.g. 10 for 10% FMV"
    },
    "paymentFrequency": {
      "type": "string",
      "enum": [
        "Monthly",
        "Quarterly",
        "Semi-Annual",
        "Annual",
        "Weekly",
        "Bi-Weekly"
      ],
      "description": "Payment frequency (default 'Monthly')"
    },
    "paymentTiming": {
      "type": "string",
      "enum": [
        "Arrears",
        "Advance"
      ],
      "description": "'Arrears' = end of period (default), 'Advance' = beginning of period"
    },
    "taxMethod": {
      "type": "string",
      "enum": [
        "Exempt",
        "Monthly",
        "Upfront"
      ],
      "description": "Sales tax treatment: 'Exempt' (default), 'Monthly' on top of payment, or 'Upfront' capitalized"
    },
    "taxRate": {
      "type": "number",
      "minimum": 0,
      "maximum": 30,
      "description": "Sales tax rate percentage, e.g. 7"
    },
    "downPayment": {
      "type": "number",
      "minimum": 0,
      "description": "Down payment in dollars"
    },
    "additionalClosingFees": {
      "type": "number",
      "minimum": 0,
      "description": "Documentation/closing fees in dollars"
    },
    "upfrontPayments": {
      "type": "integer",
      "minimum": 0,
      "maximum": 12,
      "description": "Number of payments collected in advance at signing"
    },
    "leaseStartDate": {
      "type": "string",
      "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
      "description": "First payment date YYYY-MM-DD (defaults to today)"
    },
    "fundingDate": {
      "type": "string",
      "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
      "description": "Funding date YYYY-MM-DD; a gap before leaseStartDate produces interim rent"
    },
    "paymentStructure": {
      "type": "string",
      "enum": [
        "Level",
        "Balloon",
        "Step",
        "Custom",
        "InterestOnly",
        "Skip"
      ],
      "description": "Payment structure (default 'Level')"
    },
    "balloonPercentage": {
      "type": "number",
      "minimum": 0,
      "maximum": 100,
      "description": "For Balloon: final payment as percent of equipment cost, e.g. 20"
    },
    "steps": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "periodCount": {
            "type": "integer",
            "minimum": 1,
            "description": "How many periods this step lasts"
          },
          "amount": {
            "type": "number",
            "minimum": 0,
            "description": "Payment amount for this step; use 0 with type 'Calculated' to let the engine solve it"
          },
          "type": {
            "type": "string",
            "enum": [
              "Fixed",
              "Calculated",
              "PercentIncrease",
              "PercentDecrease",
              "Compounding",
              "InterestOnly"
            ]
          }
        },
        "required": [
          "periodCount",
          "amount"
        ],
        "additionalProperties": false
      },
      "description": "For Step/Custom structures: ordered payment segments"
    },
    "skipMonths": {
      "type": "array",
      "items": {
        "type": "integer",
        "minimum": 1,
        "maximum": 12
      },
      "description": "For Skip: calendar months (1=Jan..12=Dec) skipped every year of the term, e.g. [12,1,2] for a seasonal business closed in winter"
    },
    "skipPaymentAmount": {
      "type": "number",
      "minimum": 0,
      "description": "Amount paid during skipped months (often 0)"
    },
    "interestOnlyTerm": {
      "type": "integer",
      "minimum": 0,
      "maximum": 120,
      "description": "For InterestOnly: number of interest-only months before amortization begins"
    }
  },
  "required": [
    "equipmentCost",
    "leaseTerm",
    "interestRate"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}
🟢calculate_auto_lease(msrp, sellingPrice, term, moneyFactor, apr, ...)

Exact consumer car lease calculator using real captive-lender math: money factor rent charge, residual-based depreciation, state tax methods (monthly on payment, upfront on selling price, upfront on total lease, TAVT), fee capitalization, zero-drive-off iteration, and multiple security deposit (MSD) money-factor discounts with ROI. Accepts either a money factor (e.g. 0.00225) or an APR (auto-converted). Use to verify dealer quotes, compare lease offers, or compute drive-off and lease-end buyout amounts.

Input Schema

{
  "type": "object",
  "properties": {
    "msrp": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "MSRP in dollars, e.g. 45000"
    },
    "sellingPrice": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "Negotiated selling price (defaults to MSRP)"
    },
    "term": {
      "type": "integer",
      "minimum": 1,
      "maximum": 120,
      "description": "Lease term in months, typically 24, 36, or 48"
    },
    "moneyFactor": {
      "type": "number",
      "minimum": 0,
      "maximum": 0.05,
      "description": "Money factor, e.g. 0.00225. Provide this OR apr"
    },
    "apr": {
      "type": "number",
      "minimum": 0,
      "maximum": 60,
      "description": "Annual percentage rate, e.g. 5.4; converted as apr / 2400"
    },
    "residualPercent": {
      "type": "number",
      "minimum": 1,
      "maximum": 100,
      "description": "Residual as percent of MSRP, e.g. 58"
    },
    "mileage": {
      "type": "integer",
      "minimum": 1000,
      "maximum": 100000,
      "description": "Annual mileage allowance (default 12000)"
    },
    "taxRate": {
      "type": "number",
      "minimum": 0,
      "maximum": 30,
      "description": "Sales tax percentage, e.g. 6.625"
    },
    "taxMethod": {
      "type": "string",
      "enum": [
        "Monthly",
        "SellingPrice",
        "TotalLease",
        "TAVT",
        "Exempt"
      ],
      "description": "State tax method (default 'Monthly')"
    },
    "downPayment": {
      "type": "number",
      "minimum": 0,
      "description": "Cash down / cap cost reduction in dollars"
    },
    "tradeInEquity": {
      "type": "number",
      "minimum": 0
    },
    "rebates": {
      "type": "number",
      "minimum": 0,
      "description": "Taxed incentives in dollars"
    },
    "acquisitionFee": {
      "type": "number",
      "minimum": 0,
      "description": "Bank acquisition fee, e.g. 895"
    },
    "docFee": {
      "type": "number",
      "minimum": 0,
      "description": "Dealer documentation fee"
    },
    "registrationFee": {
      "type": "number",
      "minimum": 0
    },
    "dispositionFee": {
      "type": "number",
      "minimum": 0,
      "description": "Fee charged at lease end"
    },
    "capitalizeFees": {
      "type": "boolean",
      "description": "true = roll fees into payment; false (default) = pay at signing"
    },
    "isZeroDriveOff": {
      "type": "boolean",
      "description": "true = capitalize all upfront costs for $0 due at signing"
    },
    "msdCount": {
      "type": "integer",
      "minimum": 0,
      "maximum": 10,
      "description": "Number of multiple security deposits for money factor reduction"
    }
  },
  "required": [
    "msrp",
    "term",
    "residualPercent"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}
🟢calculate_auto_loan(vehiclePrice, purchaseMethod, downPayment, tradeInCredit, salesTax, ...)

Exact auto loan payment calculator for vehicle purchases. Computes monthly payment, total interest, total cost, and upfront cash for financed purchases, or the all-in cost for cash purchases. Useful together with calculate_auto_lease for lease-versus-buy comparisons.

Input Schema

{
  "type": "object",
  "properties": {
    "vehiclePrice": {
      "type": "number",
      "exclusiveMinimum": 0,
      "description": "Out-the-door vehicle price in dollars"
    },
    "purchaseMethod": {
      "type": "string",
      "enum": [
        "finance",
        "cash"
      ],
      "description": "Default 'finance'"
    },
    "downPayment": {
      "type": "number",
      "minimum": 0
    },
    "tradeInCredit": {
      "type": "number",
      "minimum": 0,
      "description": "Trade-in equity applied in dollars"
    },
    "salesTax": {
      "type": "number",
      "minimum": 0,
      "description": "Upfront sales tax amount in dollars (not a percentage)"
    },
    "term": {
      "type": "integer",
      "minimum": 1,
      "maximum": 120,
      "description": "Loan term in months (required for finance)"
    },
    "rate": {
      "type": "number",
      "minimum": 0,
      "maximum": 60,
      "description": "Annual loan rate percentage (required for finance)"
    }
  },
  "required": [
    "vehiclePrice"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

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