SendPay free business calculators
Free VAT, card fee, loan, mortgage, margin, ROI and break-even calculators plus IBAN/SWIFT checks
Should I use this
Quality & Safety
Findings (7)
- LOWTool 'roi_calculator' description lacks action verbin roi_calculator
- LOWTool 'compound_interest_calculator' description lacks action verbin compound_interest_calculator
- LOWTool 'loan_repayment_calculator' description lacks action verbin loan_repayment_calculator
- LOWTool 'mortgage_calculator' description lacks action verbin mortgage_calculator
- LOWTool 'break_even_calculator' description lacks action verbin break_even_calculator
- LOWTool 'hourly_rate_calculator' suggests web access but openWorldHint=falsein hourly_rate_calculator
- LOWTool 'free_business_website' suggests web access but openWorldHint=falsein free_business_website
Based on automated analysis of tool definitions and protocol compliance.
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Install
One-Click Install
Add this to your `claude_desktop_config.json` file:
{
"mcpServers": {
"free-business-tools": {
"url": "https://www.sendpaybusiness.com/api/mcp"
}
}
}Remote endpoints
https://www.sendpaybusiness.com/api/mcpstreamable-httpWhat it can do
Tool inventory
Tools (21)
🟢find_free_tool(query)
Search SendPay Business's library of 170+ free calculators, checkers and generators for small businesses, freelancers, banking, FX, trading and crypto (invoice generator, VAT, card fees, loan, mortgage, IBAN, SWIFT, forex, bitcoin and more). Returns matching tools with links. Use it when the user needs a calculator or tool that is not offered directly here.
Input Schema
{
"type": "object",
"properties": {
"query": {
"type": "string",
"description": "What the user wants to work out or make, e.g. 'invoice', 'forex pip value', 'chargeback'."
}
},
"required": [
"query"
],
"additionalProperties": false
}🟢vat_calculator(amount, rate, mode)
Add VAT to a net price, or remove VAT from a gross (VAT-inclusive) price, at any rate. UK standard rate is 20%, reduced 5%.
Input Schema
{
"type": "object",
"properties": {
"amount": {
"type": "number",
"description": "The price.",
"minimum": 0
},
"rate": {
"type": "number",
"description": "VAT rate in percent. Default 20.",
"minimum": 0,
"maximum": 100
},
"mode": {
"type": "string",
"enum": [
"add",
"remove"
],
"description": "'add' if the amount excludes VAT, 'remove' if it already includes VAT. Default 'add'."
}
},
"required": [
"amount"
],
"additionalProperties": false
}🟢card_fee_calculator(amount, percent_fee, fixed_fee, payments_per_month)
Work out the fee on a card payment (percentage plus fixed fee), what you keep, and what to charge to receive the full amount after fees.
Input Schema
{
"type": "object",
"properties": {
"amount": {
"type": "number",
"description": "Payment amount.",
"minimum": 0
},
"percent_fee": {
"type": "number",
"description": "Percentage fee, e.g. 2.9 for 2.9%. Default 2.9.",
"minimum": 0,
"maximum": 99
},
"fixed_fee": {
"type": "number",
"description": "Fixed fee per payment, e.g. 0.30. Default 0.30.",
"minimum": 0
},
"payments_per_month": {
"type": "number",
"description": "Optional: payments a month, to total the fees. Default 0.",
"minimum": 0
}
},
"required": [
"amount"
],
"additionalProperties": false
}🟢profit_margin_calculator(cost, price, target_margin_percent)
Profit, margin and markup from cost and selling price; or the selling price needed for a target margin.
Input Schema
{
"type": "object",
"properties": {
"cost": {
"type": "number",
"description": "Cost of the item.",
"minimum": 0
},
"price": {
"type": "number",
"description": "Selling price. Give this or target_margin_percent.",
"minimum": 0
},
"target_margin_percent": {
"type": "number",
"description": "Wanted margin in percent, to work out the price.",
"minimum": 0,
"maximum": 99.99
}
},
"required": [
"cost"
],
"additionalProperties": false
}🟢percentage_calculator(mode, x, y)
Three sums: X% of Y ('percent_of'), what percent X is of Y ('what_percent'), and percentage change from X to Y ('change').
Input Schema
{
"type": "object",
"properties": {
"mode": {
"type": "string",
"enum": [
"percent_of",
"what_percent",
"change"
],
"description": "Which sum."
},
"x": {
"type": "number",
"description": "percent_of: the percent. what_percent: the part. change: the old value."
},
"y": {
"type": "number",
"description": "percent_of: the number. what_percent: the whole. change: the new value."
}
},
"required": [
"mode",
"x",
"y"
],
"additionalProperties": false
}🟢discount_calculator(price, discount_percent, unit_cost, units)
Sale price after a percentage discount and, given unit cost and units normally sold, how many extra sales the discount needs to keep the same profit.
Input Schema
{
"type": "object",
"properties": {
"price": {
"type": "number",
"description": "Normal price.",
"minimum": 0
},
"discount_percent": {
"type": "number",
"description": "Discount in percent.",
"minimum": 0,
"maximum": 100
},
"unit_cost": {
"type": "number",
"description": "Optional: what one unit costs you.",
"minimum": 0
},
"units": {
"type": "number",
"description": "Optional: units sold at the normal price.",
"minimum": 0
}
},
"required": [
"price",
"discount_percent"
],
"additionalProperties": false
}🟢roi_calculator(cost, returned, months)
Return on investment: profit and ROI % from the amount put in and the amount got back, and the yearly rate if the time in months is given.
Input Schema
{
"type": "object",
"properties": {
"cost": {
"type": "number",
"description": "Amount invested.",
"minimum": 0
},
"returned": {
"type": "number",
"description": "Amount got back in total."
},
"months": {
"type": "number",
"description": "Optional: how many months it took.",
"minimum": 0
}
},
"required": [
"cost",
"returned"
],
"additionalProperties": false
}🟢compound_interest_calculator(starting_amount, monthly_deposit, annual_rate_percent, years)
Savings growth with monthly compounding and an optional monthly deposit: final balance, total paid in and interest earned.
Input Schema
{
"type": "object",
"properties": {
"starting_amount": {
"type": "number",
"description": "Money at the start.",
"minimum": 0
},
"monthly_deposit": {
"type": "number",
"description": "Added each month. Default 0.",
"minimum": 0
},
"annual_rate_percent": {
"type": "number",
"description": "Yearly interest rate in percent.",
"minimum": 0,
"maximum": 100
},
"years": {
"type": "integer",
"description": "Number of years (up to 60).",
"minimum": 0,
"maximum": 60
}
},
"required": [
"starting_amount",
"annual_rate_percent",
"years"
],
"additionalProperties": false
}🟢loan_repayment_calculator(amount, apr_percent, months)
Monthly repayment, total repaid and total interest on a fixed-rate loan, from the amount, APR and term in months.
Input Schema
{
"type": "object",
"properties": {
"amount": {
"type": "number",
"description": "Amount borrowed.",
"minimum": 0
},
"apr_percent": {
"type": "number",
"description": "APR in percent.",
"minimum": 0,
"maximum": 1000
},
"months": {
"type": "integer",
"description": "Term in months.",
"minimum": 1,
"maximum": 600
}
},
"required": [
"amount",
"apr_percent",
"months"
],
"additionalProperties": false
}🟢mortgage_calculator(price, deposit, annual_rate_percent, years)
Monthly repayment mortgage payment, loan-to-value, total interest and interest-only payment from property price, deposit, rate and term.
Input Schema
{
"type": "object",
"properties": {
"price": {
"type": "number",
"description": "Property price.",
"minimum": 0
},
"deposit": {
"type": "number",
"description": "Deposit.",
"minimum": 0
},
"annual_rate_percent": {
"type": "number",
"description": "Mortgage interest rate in percent.",
"minimum": 0,
"maximum": 100
},
"years": {
"type": "number",
"description": "Term in years.",
"minimum": 1,
"maximum": 50
}
},
"required": [
"price",
"deposit",
"annual_rate_percent",
"years"
],
"additionalProperties": false
}🟢hourly_rate_calculator(target_income, yearly_costs, weeks_off, billable_hours_per_week, hours_per_day)
What a freelancer or sole trader should charge per hour and per day to reach a target yearly income after business costs and time off.
Input Schema
{
"type": "object",
"properties": {
"target_income": {
"type": "number",
"description": "Yearly income wanted.",
"minimum": 0
},
"yearly_costs": {
"type": "number",
"description": "Yearly business costs. Default 0.",
"minimum": 0
},
"weeks_off": {
"type": "number",
"description": "Weeks off a year (holidays, sickness). Default 6.",
"minimum": 0,
"maximum": 52
},
"billable_hours_per_week": {
"type": "number",
"description": "Hours billed to clients per week. Default 25.",
"minimum": 0,
"maximum": 168
},
"hours_per_day": {
"type": "number",
"description": "Hours in a working day, for the day rate. Default 7.",
"minimum": 0,
"maximum": 24
}
},
"required": [
"target_income"
],
"additionalProperties": false
}🟢break_even_calculator(fixed_costs, price, unit_cost, payment_fee_percent)
How many sales a month cover fixed costs, from fixed monthly costs, price, cost per unit and payment fee percent.
Input Schema
{
"type": "object",
"properties": {
"fixed_costs": {
"type": "number",
"description": "Fixed costs per month.",
"minimum": 0
},
"price": {
"type": "number",
"description": "Selling price per unit.",
"minimum": 0
},
"unit_cost": {
"type": "number",
"description": "Cost per unit.",
"minimum": 0
},
"payment_fee_percent": {
"type": "number",
"description": "Payment fee in percent of the price. Default 0.",
"minimum": 0,
"maximum": 100
}
},
"required": [
"fixed_costs",
"price",
"unit_cost"
],
"additionalProperties": false
}🟢iban_checker(iban)
Check that an IBAN is well formed: country length and mod-97 check digits. Does not confirm that the account exists or who owns it.
Input Schema
{
"type": "object",
"properties": {
"iban": {
"type": "string",
"description": "The IBAN, spaces allowed."
}
},
"required": [
"iban"
],
"additionalProperties": false
}🟢swift_code_checker(code)
Check that a SWIFT (BIC) code is well formed and split it into bank, country, location and branch. Has no bank directory.
Input Schema
{
"type": "object",
"properties": {
"code": {
"type": "string",
"description": "SWIFT/BIC code, 8 or 11 characters."
}
},
"required": [
"code"
],
"additionalProperties": false
}🟢free_business_website(business_type)
Use when the user wants a website for their business, shop or side hustle. SendPay Business offers a free business website builder: free to build, publish and keep, no card needed, with an optional shop cart and card payments later. Returns the link to start.
Input Schema
{
"type": "object",
"properties": {
"business_type": {
"type": "string",
"description": "Optional: what the business does, e.g. 'bakery'."
}
},
"additionalProperties": false
}🟢lei_checker(lei)
Check that a Legal Entity Identifier (LEI, ISO 17442) is well formed: 20 characters and MOD 97-10 check digits. Does not confirm the LEI is registered; GLEIF's search does.
Input Schema
{
"type": "object",
"properties": {
"lei": {
"type": "string",
"description": "The LEI, 20 characters."
}
},
"required": [
"lei"
],
"additionalProperties": false
}🟢isin_checker(isin)
Check that an ISIN (ISO 6166 security identifier) is well formed: country code, 9-character national code and Luhn check digit.
Input Schema
{
"type": "object",
"properties": {
"isin": {
"type": "string",
"description": "The ISIN, 12 characters."
}
},
"required": [
"isin"
],
"additionalProperties": false
}🟢cusip_checker(cusip)
Check a 9-character CUSIP (US/Canadian security identifier) check digit and split it into issuer and issue.
Input Schema
{
"type": "object",
"properties": {
"cusip": {
"type": "string",
"description": "The CUSIP, 9 characters."
}
},
"required": [
"cusip"
],
"additionalProperties": false
}🟢sedol_checker(sedol)
Check a 7-character SEDOL (UK/Irish security identifier) format and check digit.
Input Schema
{
"type": "object",
"properties": {
"sedol": {
"type": "string",
"description": "The SEDOL, 7 characters."
}
},
"required": [
"sedol"
],
"additionalProperties": false
}🟢uk_vat_number_checker(vat_number)
Check a UK VAT number's format and check digits (9 digits, 12 with a branch, or GD/HA). Does not confirm registration; HMRC's service does.
Input Schema
{
"type": "object",
"properties": {
"vat_number": {
"type": "string",
"description": "The VAT number, with or without GB."
}
},
"required": [
"vat_number"
],
"additionalProperties": false
}🟢cbu_checker(cbu)
Check an Argentine CBU or CVU: 22 digits and both check digits, split into bank, branch and account.
Input Schema
{
"type": "object",
"properties": {
"cbu": {
"type": "string",
"description": "The CBU or CVU, 22 digits."
}
},
"required": [
"cbu"
],
"additionalProperties": false
}Community
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