{ "schema_version": "0.1", "name": "Orbyd Tools", "description": "AI-accessible tools on orbyd.app", "tools": [ { "name": "polymarket_portfolio", "description": "Get Polymarket prediction market positions, P&L, balances, and performance for any Polygon wallet address. Returns structured portfolio data including open/closed positions, unrealized gains, and USDC balance.", "url": "https://orbyd.app/polyfolio/", "inputSchema": { "type": "object", "properties": { "wallet": { "type": "string", "description": "0x... Polygon wallet address (use proxy wallet from Polymarket profile)" } }, "required": [ "wallet" ] } }, { "name": "income_smoothing_buffer", "description": "Calculate recommended monthly draw, required buffer by confidence level, and shortfall probability from variable income history.", "url": "https://orbyd.app/variable-income-buffer-paycheck-smoothing-planner/", "inputSchema": { "type": "object", "properties": { "monthly_income_history": { "type": "array", "items": { "type": "number" } }, "monthly_non_negotiable_expenses": { "type": "number" }, "desired_monthly_draw": { "type": "number" }, "confidence_target": { "type": "number", "enum": [ 70, 85, 95 ] }, "current_buffer_balance": { "type": "number" }, "outlier_trim_mode": { "type": "boolean" } }, "required": [ "monthly_income_history", "monthly_non_negotiable_expenses", "confidence_target", "current_buffer_balance", "outlier_trim_mode" ] } }, { "name": "medical_bill_payment_path", "description": "Compare medical bill payment paths by total cost, monthly payment burden, and payoff timeline.", "url": "https://orbyd.app/medical-bill-payment-path-calculator/", "inputSchema": { "type": "object", "properties": { "bill_amount": { "type": "number" }, "cash_discount_percent": { "type": "number" }, "provider_plan_months": { "type": "number" }, "provider_plan_fees": { "type": "number" }, "card_or_loan_apr": { "type": "number" }, "card_or_loan_term_months": { "type": "number" }, "monthly_budget_available": { "type": "number" }, "emergency_cash_buffer": { "type": "number" } }, "required": [ "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": "rent_move_break_even", "description": "Calculate break-even month and horizon savings for stay-vs-move decisions after rent increases.", "url": "https://orbyd.app/rent-increase-vs-move-break-even-planner/", "inputSchema": { "type": "object", "properties": { "new_rent_if_stay": { "type": "number" }, "target_rent_if_move": { "type": "number" }, "one_time_move_costs": { "type": "number" }, "move_incentives": { "type": "number" }, "monthly_commute_delta": { "type": "number" }, "monthly_utility_delta": { "type": "number" }, "analysis_horizon_months": { "type": "number" } }, "required": [ "new_rent_if_stay", "target_rent_if_move", "one_time_move_costs", "move_incentives", "monthly_commute_delta", "monthly_utility_delta", "analysis_horizon_months" ] } }, { "name": "bnpl_stack_true_cost", "description": "Model BNPL installment stacking risk and compare true-cost scenarios under late-fee assumptions.", "url": "https://orbyd.app/bnpl-stacking-true-cost-calculator/", "inputSchema": { "type": "object", "properties": { "plans": { "type": "array", "items": { "type": "object", "properties": { "amount": { "type": "number" }, "installment_count": { "type": "number" }, "frequency_days": { "type": "number" }, "start_date": { "type": "string" }, "late_fee": { "type": "number" }, "grace_days": { "type": "number" } }, "required": [ "amount", "installment_count", "frequency_days", "start_date", "late_fee", "grace_days" ] } }, "monthly_take_home": { "type": "number" }, "fixed_monthly_expenses": { "type": "number" }, "paycheck_dates": { "type": "array", "items": { "type": "string" } } }, "required": [ "plans", "monthly_take_home", "fixed_monthly_expenses", "paycheck_dates" ] } }, { "name": "gig_tax_set_aside", "description": "Calculate monthly and quarterly tax reserve targets for gig and freelance income.", "url": "https://orbyd.app/gig-worker-quarterly-tax-set-aside-planner/", "inputSchema": { "type": "object", "properties": { "gross_income_by_month": { "type": "array", "items": { "type": "number" } }, "deductible_expenses_by_month": { "type": "array", "items": { "type": "number" } }, "effective_federal_rate": { "type": "number" }, "effective_state_rate": { "type": "number" }, "prior_year_total_tax": { "type": "number" }, "filing_status": { "type": "string", "enum": [ "single", "married_joint", "head_of_household" ] }, "agi_threshold_over_150k": { "type": "boolean" } }, "required": [ "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": "insurance_deductible_break_even", "description": "Compare deductible options by expected annual total cost and break-even claim frequency.", "url": "https://orbyd.app/insurance-deductible-break-even-calculator/", "inputSchema": { "type": "object", "properties": { "coverage_type": { "type": "string", "enum": [ "auto", "home", "renters" ] }, "options": { "type": "array", "items": { "type": "object", "properties": { "deductible": { "type": "number" }, "annual_premium": { "type": "number" } }, "required": [ "deductible", "annual_premium" ] } }, "expected_claims_per_year": { "type": "number" }, "average_claim_amount": { "type": "number" }, "surcharge_percent": { "type": "number" }, "surcharge_years": { "type": "number" }, "cash_buffer": { "type": "number" } }, "required": [ "coverage_type", "options", "expected_claims_per_year", "average_claim_amount", "surcharge_percent", "surcharge_years", "cash_buffer" ] } }, { "name": "electricity_plan_switch", "description": "Compare electricity plans across TOU/flat rates, fixed charges, signup credits, and cancellation fees.", "url": "https://orbyd.app/electricity-plan-switch-calculator/", "inputSchema": { "type": "object", "properties": { "monthly_kwh": { "type": "array", "items": { "type": "number" } }, "contract_months": { "type": "number" }, "current_plan": { "type": "object", "properties": { "pricing_model": { "type": "string", "enum": [ "flat", "tou" ] }, "flat_rate_per_kwh": { "type": "number" }, "peak_rate_per_kwh": { "type": "number" }, "offpeak_rate_per_kwh": { "type": "number" }, "peak_share": { "type": "number" }, "offpeak_share": { "type": "number" }, "monthly_fixed_fee": { "type": "number" }, "other_monthly_charges": { "type": "number" }, "other_per_kwh_charges": { "type": "number" }, "signup_credit": { "type": "number" }, "cancellation_fee": { "type": "number" } }, "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", "enum": [ "flat", "tou" ] }, "flat_rate_per_kwh": { "type": "number" }, "peak_rate_per_kwh": { "type": "number" }, "offpeak_rate_per_kwh": { "type": "number" }, "peak_share": { "type": "number" }, "offpeak_share": { "type": "number" }, "monthly_fixed_fee": { "type": "number" }, "other_monthly_charges": { "type": "number" }, "other_per_kwh_charges": { "type": "number" }, "signup_credit": { "type": "number" }, "cancellation_fee": { "type": "number" } }, "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": [ "monthly_kwh", "contract_months", "current_plan", "candidate_plan" ] } }, { "name": "auto_refinance_break_even", "description": "Evaluate whether refinancing an auto loan saves money after fees, term, and payoff effects.", "url": "https://orbyd.app/car-loan-refinance-break-even-calculator/", "inputSchema": { "type": "object", "properties": { "current_principal": { "type": "number" }, "current_apr": { "type": "number" }, "months_remaining": { "type": "number" }, "current_monthly_payment": { "type": "number" }, "new_apr": { "type": "number" }, "new_term_months": { "type": "number" }, "refinance_fees_total": { "type": "number" }, "prepayment_penalty": { "type": "number" } }, "required": [ "current_principal", "current_apr", "months_remaining", "current_monthly_payment", "new_apr", "new_term_months", "refinance_fees_total", "prepayment_penalty" ] } }, { "name": "childcare_take_home_delta", "description": "Quantify work-vs-childcare net economics after taxes, childcare costs, work costs, and credits.", "url": "https://orbyd.app/childcare-vs-take-home-pay-calculator/", "inputSchema": { "type": "object", "properties": { "gross_annual_income": { "type": "number" }, "effective_tax_rate": { "type": "number" }, "children": { "type": "array", "items": { "type": "object", "properties": { "age_band": { "type": "string", "enum": [ "0-2", "3-5", "6-12", "13+" ] }, "monthly_care_cost": { "type": "number" } }, "required": [ "age_band", "monthly_care_cost" ] } }, "work_monthly_costs": { "type": "number" }, "annual_credit_or_subsidy": { "type": "number" }, "hours_worked_per_week": { "type": "number" }, "weeks_per_year": { "type": "number" } }, "required": [ "gross_annual_income", "effective_tax_rate", "children", "work_monthly_costs", "annual_credit_or_subsidy", "hours_worked_per_week", "weeks_per_year" ] } }, { "name": "balance_transfer_break_even", "description": "Evaluate whether a balance transfer saves money after fee, intro APR, and post-intro APR assumptions.", "url": "https://orbyd.app/balance-transfer-break-even-calculator/", "inputSchema": { "type": "object", "properties": { "current_balance": { "type": "number" }, "current_apr": { "type": "number" }, "current_monthly_payment": { "type": "number" }, "transfer_fee_percent": { "type": "number" }, "transfer_fee_min": { "type": "number" }, "intro_apr": { "type": "number" }, "intro_months": { "type": "number" }, "post_intro_apr": { "type": "number" }, "approved_transfer_amount": { "type": "number" }, "days_until_transfer": { "type": "number" } }, "required": [ "current_balance", "current_apr", "current_monthly_payment", "transfer_fee_percent", "transfer_fee_min", "intro_apr", "intro_months", "post_intro_apr", "approved_transfer_amount" ] } }, { "name": "subscription_price_risk", "description": "Rank subscription cancellation risk under price hikes and return annual savings scenarios.", "url": "https://orbyd.app/subscription-price-hike-risk-calculator/", "inputSchema": { "type": "object", "properties": { "subscriptions": { "type": "array", "items": { "type": "object", "properties": { "id": { "type": "string" }, "name": { "type": "string" }, "monthly_price": { "type": "number" }, "usage_per_month": { "type": "number" }, "value_score": { "type": "number" }, "price_elasticity": { "type": "number" }, "price_hike_percent": { "type": "number" } }, "required": [ "name", "monthly_price", "usage_per_month", "value_score", "price_elasticity" ] } }, "global_price_hike_percent": { "type": "number" }, "target_savings_percent": { "type": "number" } }, "required": [ "subscriptions", "global_price_hike_percent", "target_savings_percent" ] } }, { "name": "freelance_rate_capacity", "description": "Calculate required freelance rates from income target, billable capacity, overhead, and tax assumptions.", "url": "https://orbyd.app/freelance-rate-capacity-planner/", "inputSchema": { "type": "object", "properties": { "target_annual_income": { "type": "number" }, "annual_business_overhead": { "type": "number" }, "tax_rate_percent": { "type": "number" }, "buffer_percent": { "type": "number" }, "working_weeks_per_year": { "type": "number" }, "working_hours_per_week": { "type": "number" }, "billable_utilization_percent": { "type": "number" }, "project_hours": { "type": "number" } }, "required": [ "target_annual_income", "annual_business_overhead", "tax_rate_percent", "buffer_percent", "working_weeks_per_year", "working_hours_per_week", "billable_utilization_percent", "project_hours" ] } }, { "name": "commute_vs_remote_cost", "description": "Compare remote-vs-office schedules by deterministic commute cost and time-value deltas.", "url": "https://orbyd.app/commute-vs-remote-calculator/", "inputSchema": { "type": "object", "properties": { "round_trip_distance": { "type": "number" }, "round_trip_time_minutes": { "type": "number" }, "current_commute_days_per_week": { "type": "number" }, "target_commute_days_per_week": { "type": "number" }, "work_weeks_per_year": { "type": "number" }, "cost_per_distance_unit": { "type": "number" }, "parking_tolls_per_day": { "type": "number" }, "transit_fare_per_day": { "type": "number" }, "value_of_time_per_hour": { "type": "number" }, "effective_tax_rate_percent": { "type": "number" }, "scenario_days_per_week": { "type": "array", "items": { "type": "number" } } }, "required": [ "round_trip_distance", "round_trip_time_minutes", "current_commute_days_per_week", "target_commute_days_per_week", "work_weeks_per_year", "cost_per_distance_unit", "parking_tolls_per_day", "transit_fare_per_day", "value_of_time_per_hour", "effective_tax_rate_percent" ] } }, { "name": "emergency_fund_runway", "description": "Calculate emergency-fund runway and rebuild timeline under income-loss and expense-shock scenarios.", "url": "https://orbyd.app/emergency-fund-runway-planner/", "inputSchema": { "type": "object", "properties": { "liquid_reserves": { "type": "number" }, "essential_monthly_expenses": { "type": "number" }, "baseline_monthly_income": { "type": "number" }, "monthly_savings_capacity": { "type": "number" }, "target_runway_months": { "type": "number" }, "income_loss_percent": { "type": "number" }, "expense_spike_percent": { "type": "number" }, "shock_duration_months": { "type": "number" } }, "required": [ "liquid_reserves", "essential_monthly_expenses", "baseline_monthly_income", "monthly_savings_capacity", "target_runway_months", "income_loss_percent", "expense_spike_percent", "shock_duration_months" ] } }, { "name": "debt_payoff_strategy", "description": "Simulate debt payoff outcomes for snowball, avalanche, and hybrid repayment strategies.", "url": "https://orbyd.app/debt-payoff-strategy-planner/", "inputSchema": { "type": "object", "properties": { "debts": { "type": "array", "items": { "type": "object", "properties": { "id": { "type": "string" }, "name": { "type": "string" }, "balance": { "type": "number" }, "apr_percent": { "type": "number" }, "minimum_payment": { "type": "number" }, "priority_rank": { "type": "number" } }, "required": [ "name", "balance", "apr_percent", "minimum_payment" ] } }, "extra_monthly_payment": { "type": "number" }, "strategy": { "type": "string", "enum": [ "snowball", "avalanche", "hybrid" ] }, "payoff_priority_order": { "type": "array", "items": { "type": "string" } }, "start_year": { "type": "number" }, "start_month": { "type": "number" } }, "required": [ "debts", "extra_monthly_payment", "strategy" ] } }, { "name": "timezone_overlap_planner", "description": "Rank overlap meeting windows across multiple time zones with fairness rotation and DST-aware warnings.", "url": "https://orbyd.app/time-zone-overlap-planner/", "inputSchema": { "type": "object", "properties": { "participants": { "type": "array", "items": { "type": "object", "properties": { "id": { "type": "string" }, "name": { "type": "string" }, "time_zone": { "type": "string" }, "work_start_hour": { "type": "number" }, "work_end_hour": { "type": "number" } }, "required": [ "name", "time_zone", "work_start_hour", "work_end_hour" ] } }, "meeting_duration_minutes": { "type": "number" }, "start_date": { "type": "string" }, "range_days": { "type": "number" }, "slot_interval_minutes": { "type": "number" }, "fairness_history": { "type": "object" } }, "required": [ "participants", "meeting_duration_minutes", "start_date", "range_days", "slot_interval_minutes" ] } }, { "name": "roi_payback_period", "description": "Calculate project simple ROI, annualized ROI, payback period, and discounted payback.", "url": "https://orbyd.app/roi-payback-calculator/", "inputSchema": { "type": "object", "properties": { "initial_investment": { "type": "number" }, "upfront_benefit": { "type": "number" }, "annual_net_benefit": { "type": "number" }, "analysis_years": { "type": "number" }, "residual_value": { "type": "number" }, "discount_rate_percent": { "type": "number" } }, "required": [ "initial_investment", "upfront_benefit", "annual_net_benefit", "analysis_years", "residual_value", "discount_rate_percent" ] } }, { "name": "margin_markup_discount", "description": "Convert between margin, markup, discount, and sale price with deterministic formula output.", "url": "https://orbyd.app/margin-markup-discount-calculator/", "inputSchema": { "type": "object", "properties": { "mode": { "type": "string", "enum": [ "margin_to_price", "markup_to_price", "discount_to_sale", "sale_to_discount" ] }, "cost": { "type": "number" }, "sale_price": { "type": "number" }, "list_price": { "type": "number" }, "margin_percent": { "type": "number" }, "markup_percent": { "type": "number" }, "discount_percent": { "type": "number" } }, "required": [ "mode", "cost" ] } }, { "name": "break_even_units_revenue", "description": "Calculate break-even units, break-even revenue, target-profit volume, and sensitivity for single-SKU or weighted product-mix plans.", "url": "https://orbyd.app/break-even-units-calculator/", "inputSchema": { "type": "object", "properties": { "mode": { "type": "string", "enum": [ "single", "mix" ] }, "fixed_costs": { "type": "number" }, "target_profit": { "type": "number" }, "planned_units": { "type": "number" }, "unit_price": { "type": "number" }, "variable_cost_per_unit": { "type": "number" }, "products": { "type": "array", "items": { "type": "object", "properties": { "id": { "type": "string" }, "name": { "type": "string" }, "unit_price": { "type": "number" }, "variable_cost_per_unit": { "type": "number" }, "mix_share_percent": { "type": "number" } }, "required": [ "id", "name", "unit_price", "variable_cost_per_unit", "mix_share_percent" ] } } }, "required": [ "mode", "fixed_costs", "target_profit" ] } }, { "name": "gpa_goal_planner", "description": "Compute required average grades and feasibility bands for target GPA outcomes with configurable grade scales.", "url": "https://orbyd.app/gpa-goal-planner/", "inputSchema": { "type": "object", "properties": { "current_gpa": { "type": "number" }, "completed_credits": { "type": "number" }, "remaining_credits": { "type": "number" }, "target_gpa": { "type": "number" }, "grade_scale": { "type": "array", "items": { "type": "object", "properties": { "label": { "type": "string" }, "points": { "type": "number" } }, "required": [ "label", "points" ] } } }, "required": [ "current_gpa", "completed_credits", "remaining_credits", "target_gpa", "grade_scale" ] } }, { "name": "rent_vs_buy_break_even", "description": "Run month-level rent-versus-buy break-even simulation with scenario bands and opportunity-cost assumptions.", "url": "https://orbyd.app/rent-vs-buy-calculator/", "inputSchema": { "type": "object", "properties": { "home_price": { "type": "number" }, "down_payment_percent": { "type": "number" }, "mortgage_rate_percent": { "type": "number" }, "loan_term_years": { "type": "number" }, "monthly_rent": { "type": "number" }, "rent_growth_percent": { "type": "number" }, "home_appreciation_percent": { "type": "number" }, "property_tax_percent": { "type": "number" }, "annual_home_insurance": { "type": "number" }, "annual_maintenance_percent": { "type": "number" }, "hoa_monthly": { "type": "number" }, "closing_costs_percent": { "type": "number" }, "selling_costs_percent": { "type": "number" }, "investment_return_percent": { "type": "number" }, "analysis_years": { "type": "number" } }, "required": [ "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": "compound_interest", "description": "Model compounding growth with monthly contributions, inflation-adjusted outputs, milestone timing, and scenario comparison.", "url": "https://orbyd.app/compound-interest-calculator/", "inputSchema": { "type": "object", "properties": { "initial_principal": { "type": "number", "minimum": 0 }, "monthly_contribution": { "type": "number", "minimum": 0 }, "annual_return_percent": { "type": "number", "minimum": 0 }, "years": { "type": "number", "minimum": 1 }, "annual_inflation_percent": { "type": "number", "minimum": 0 }, "comparison_monthly_contribution": { "type": "number", "minimum": 0 }, "comparison_annual_return_percent": { "type": "number", "minimum": 0 } }, "required": [ "initial_principal", "monthly_contribution", "annual_return_percent", "years", "annual_inflation_percent" ] } }, { "name": "loan_payoff", "description": "Compare baseline vs accelerated loan payoff timelines, amortization path, and interest savings from extra payments.", "url": "https://orbyd.app/loan-payoff-calculator/", "inputSchema": { "type": "object", "properties": { "principal": { "type": "number", "minimum": 0.01 }, "annual_rate_percent": { "type": "number", "minimum": 0 }, "monthly_payment": { "type": "number", "minimum": 0.01 }, "extra_monthly_payment": { "type": "number", "minimum": 0 }, "lump_sum_payment": { "type": "number", "minimum": 0 } }, "required": [ "principal", "annual_rate_percent", "monthly_payment" ] } }, { "name": "retirement_savings", "description": "Project retirement target readiness with inflation-aware spending needs, contribution gap, and coast/barista checkpoints.", "url": "https://orbyd.app/retirement-calculator/", "inputSchema": { "type": "object", "properties": { "current_age": { "type": "number", "minimum": 18 }, "retirement_age": { "type": "number", "minimum": 19 }, "current_savings": { "type": "number", "minimum": 0 }, "annual_contribution": { "type": "number", "minimum": 0 }, "annual_return_percent": { "type": "number" }, "annual_inflation_percent": { "type": "number" }, "desired_annual_spending": { "type": "number", "minimum": 0 }, "social_security_annual": { "type": "number", "minimum": 0 }, "withdrawal_rate_percent": { "type": "number", "minimum": 0 } }, "required": [ "current_age", "retirement_age", "current_savings", "annual_contribution", "annual_return_percent", "annual_inflation_percent", "desired_annual_spending", "social_security_annual", "withdrawal_rate_percent" ] } }, { "name": "salary_calculator", "description": "Estimate annual and paycheck outcomes from annual/hourly assumptions using simplified federal bracket logic.", "url": "https://orbyd.app/salary-calculator/", "inputSchema": { "type": "object", "properties": { "mode": { "type": "string", "enum": [ "annual", "hourly" ] }, "hourly_rate": { "type": "number", "minimum": 0 }, "annual_salary": { "type": "number", "minimum": 0 }, "hours_per_week": { "type": "number", "minimum": 1 }, "weeks_per_year": { "type": "number", "minimum": 1 }, "overtime_hours_per_week": { "type": "number", "minimum": 0 }, "overtime_multiplier": { "type": "number", "minimum": 1 }, "filing_status": { "type": "string", "enum": [ "single", "married_joint" ] }, "pre_tax_deductions_annual": { "type": "number", "minimum": 0 }, "other_annual_income": { "type": "number", "minimum": 0 }, "compare_annual_salary": { "type": "number", "minimum": 0 } }, "required": [ "mode", "filing_status" ] } }, { "name": "net_worth", "description": "Calculate net worth, debt ratio, and projection trajectory from asset/liability inputs with local snapshot tracking.", "url": "https://orbyd.app/net-worth-calculator/", "inputSchema": { "type": "object", "properties": { "assets": { "type": "object" }, "liabilities": { "type": "object" }, "monthly_contribution": { "type": "number", "minimum": 0 }, "monthly_debt_paydown": { "type": "number", "minimum": 0 }, "annual_return_percent": { "type": "number" }, "annual_real_estate_appreciation_percent": { "type": "number" }, "projection_months": { "type": "number", "minimum": 1 } }, "required": [ "assets", "liabilities" ] } }, { "name": "inflation_impact", "description": "Measure purchasing-power change using CPI or custom assumptions and compare salary growth versus inflation drift.", "url": "https://orbyd.app/inflation-calculator/", "inputSchema": { "type": "object", "properties": { "mode": { "type": "string", "enum": [ "cpi", "custom" ] }, "amount": { "type": "number", "minimum": 0 }, "from_year": { "type": "number" }, "to_year": { "type": "number" }, "custom_annual_inflation_percent": { "type": "number" }, "salary_today": { "type": "number", "minimum": 0 }, "salary_growth_percent": { "type": "number" } }, "required": [ "mode", "amount", "from_year", "to_year" ] } }, { "name": "fire_calculator", "description": "Estimate lean/regular/fat FIRE timelines and deterministic Monte Carlo success probability.", "url": "https://orbyd.app/fire-calculator/", "inputSchema": { "type": "object", "properties": { "current_age": { "type": "number", "minimum": 18 }, "current_portfolio": { "type": "number", "minimum": 0 }, "annual_spending": { "type": "number", "minimum": 0 }, "annual_savings": { "type": "number", "minimum": 0 }, "expected_return_percent": { "type": "number" }, "volatility_percent": { "type": "number", "minimum": 0 }, "inflation_percent": { "type": "number" }, "withdrawal_rate_percent": { "type": "number", "minimum": 0 }, "horizon_years": { "type": "number", "minimum": 1 } }, "required": [ "current_age", "current_portfolio", "annual_spending", "annual_savings", "expected_return_percent", "volatility_percent", "inflation_percent", "withdrawal_rate_percent", "horizon_years" ] } }, { "name": "debt_to_income", "description": "Calculate front-end and back-end DTI ratios, classify lender-zone risk, and estimate borrowing capacity.", "url": "https://orbyd.app/debt-to-income-calculator/", "inputSchema": { "type": "object", "properties": { "gross_monthly_income": { "type": "number", "minimum": 0.01 }, "housing_payment": { "type": "number", "minimum": 0 }, "other_debt_payments": { "type": "number", "minimum": 0 }, "preferred_max_dti_percent": { "type": "number" }, "mortgage_rate_percent": { "type": "number" }, "mortgage_term_years": { "type": "number" } }, "required": [ "gross_monthly_income", "housing_payment", "other_debt_payments" ] } }, { "name": "subscription_audit", "description": "Rank subscriptions by cost-per-use and invested-instead opportunity drag to prioritize cuts or downgrades.", "url": "https://orbyd.app/subscription-audit-calculator/", "inputSchema": { "type": "object", "properties": { "subscriptions": { "type": "array" }, "annual_return_percent": { "type": "number" }, "analysis_years": { "type": "number", "minimum": 1 } }, "required": [ "subscriptions" ] } }, { "name": "side_hustle_tax", "description": "Estimate side-income tax impact and monthly/quarterly reserve targets with non-advice planning disclaimers.", "url": "https://orbyd.app/side-hustle-tax-calculator/", "inputSchema": { "type": "object", "properties": { "side_hustle_gross_income_annual": { "type": "number", "minimum": 0 }, "side_hustle_deductible_expenses_annual": { "type": "number", "minimum": 0 }, "primary_w2_income_annual": { "type": "number", "minimum": 0 }, "filing_status": { "type": "string", "enum": [ "single", "married_joint" ] }, "additional_deduction_annual": { "type": "number", "minimum": 0 } }, "required": [ "side_hustle_gross_income_annual", "side_hustle_deductible_expenses_annual", "primary_w2_income_annual", "filing_status" ] } }, { "name": "mortgage_affordability", "description": "Calculate maximum and comfortable home-price ranges from income, debt obligations, and carrying-cost assumptions.", "url": "https://orbyd.app/mortgage-affordability-calculator/", "inputSchema": { "type": "object", "properties": { "annual_income": { "type": "number", "minimum": 0.01 }, "down_payment": { "type": "number", "minimum": 0 }, "monthly_debt_payments": { "type": "number", "minimum": 0 }, "max_dti_percent": { "type": "number" }, "mortgage_rate_percent": { "type": "number" }, "loan_term_years": { "type": "number" }, "property_tax_rate_percent": { "type": "number" }, "annual_home_insurance": { "type": "number" }, "hoa_monthly": { "type": "number" } }, "required": [ "annual_income", "down_payment", "monthly_debt_payments" ] } }, { "name": "emergency_fund", "description": "Recommend personalized emergency-fund targets and timeline based on household risk and savings velocity.", "url": "https://orbyd.app/emergency-fund-calculator/", "inputSchema": { "type": "object", "properties": { "monthly_essential_expenses": { "type": "number", "minimum": 0.01 }, "current_emergency_fund": { "type": "number", "minimum": 0 }, "monthly_savings_capacity": { "type": "number", "minimum": 0 }, "dependents_count": { "type": "number", "minimum": 0 }, "job_stability_score": { "type": "number", "minimum": 1, "maximum": 5 }, "deductible_exposure": { "type": "number", "minimum": 0 } }, "required": [ "monthly_essential_expenses", "current_emergency_fund", "monthly_savings_capacity", "dependents_count", "job_stability_score", "deductible_exposure" ] } }, { "name": "investment_fee_impact", "description": "Compare two expense-ratio scenarios and quantify long-term fee drag on ending portfolio value.", "url": "https://orbyd.app/investment-fee-calculator/", "inputSchema": { "type": "object", "properties": { "initial_investment": { "type": "number", "minimum": 0 }, "annual_contribution": { "type": "number", "minimum": 0 }, "years": { "type": "number", "minimum": 1 }, "gross_return_percent": { "type": "number" }, "expense_ratio_a": { "type": "number", "minimum": 0 }, "expense_ratio_b": { "type": "number", "minimum": 0 } }, "required": [ "initial_investment", "annual_contribution", "years", "gross_return_percent", "expense_ratio_a", "expense_ratio_b" ] } }, { "name": "hourly_to_salary", "description": "Convert hourly and salary compensation with PTO, overtime, and benefits-value adjustments.", "url": "https://orbyd.app/hourly-to-salary-converter/", "inputSchema": { "type": "object", "properties": { "hourly_rate": { "type": "number", "minimum": 0 }, "annual_salary": { "type": "number", "minimum": 0 }, "hours_per_week": { "type": "number", "minimum": 1 }, "weeks_per_year": { "type": "number", "minimum": 1 }, "paid_time_off_days": { "type": "number", "minimum": 0 }, "paid_holidays_days": { "type": "number", "minimum": 0 }, "paid_sick_days": { "type": "number", "minimum": 0 }, "overtime_hours_per_week": { "type": "number", "minimum": 0 }, "overtime_multiplier": { "type": "number", "minimum": 1 }, "annual_benefits_value": { "type": "number", "minimum": 0 } }, "required": [ "hourly_rate", "annual_salary", "hours_per_week", "weeks_per_year" ] } } ], "creator": { "@type": "Organization", "name": "Orbyd", "url": "https://orbyd.app" }, "license": "https://creativecommons.org/licenses/by/4.0/" }