betteroff.finance WebMCP Tools, Schemas & Agent Capabilities

betteroff.finance

live Unverified (seed import) Finance & Crypto 22 tools imperative implementation

BetterOff keeps household accounts and financial records current, then shows what changed, what is coming, and what needs attention.

First seen 2026-08-31 · Last seen 2026-08-31 · Source: webmcp.com

Answer 5 · Act 16 · Transact 1 · Score: Not yet scored

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calc_mortgage

act imperative

Calculates monthly PITI mortgage payment, total interest, total cost, and builds amortization schedule from home price, down payment, rate, and term.

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Input schema

Property	Type	Required	Description
`homePrice`	number	no	Home price
`downPaymentPct`	number	no	Down payment (%) — Percentage of home price paid upfront as equity.
`loanTermYears`	integer	no	Loan term (years)
`annualRatePct`	number	no	Interest rate (%) — Fixed annual note rate before fees.
`annualTax`	number	no	Annual property tax
`annualInsurance`	number	no	Annual insurance
`monthlyHOA`	number	no	Monthly HOA — Monthly homeowners association fee, if applicable.
`annualPmiRatePct`	number	no	Annual PMI rate (%) — Applies when the down payment is under 20%; use the rate from a loan estimate when available.
`closingCosts`	number	no	Closing costs — Upfront lender and transaction costs, excluding the down payment.
`monthlyMaintenance`	number	no	Monthly maintenance reserve — Optional owner-paid maintenance budget; not part of PITI.
`extraPrincipalMonthly`	number	no	Extra principal each month — Additional principal payment used to shorten payoff and reduce interest.

Raw JSON schema

{
  "$schema": "http://json-schema.org/draft-07/schema#",
  "type": "object",
  "properties": {
    "homePrice": {
      "default": 400000,
      "description": "Home price",
      "type": "number",
      "maximum": 10000000
    },
    "downPaymentPct": {
      "default": 20,
      "description": "Down payment (%) — Percentage of home price paid upfront as equity.",
      "type": "number",
      "minimum": 0,
      "maximum": 95
    },
    "loanTermYears": {
      "default": 30,
      "description": "Loan term (years)",
      "type": "integer",
      "minimum": 5,
      "maximum": 50
    },
    "annualRatePct": {
      "default": 6.5,
      "description": "Interest rate (%) — Fixed annual note rate before fees.",
      "type": "number",
      "minimum": 0,
      "maximum": 25
    },
    "annualTax": {
      "default": 4800,
      "description": "Annual property tax",
      "type": "number",
      "minimum": 0,
      "maximum": 500000
    },
    "annualInsurance": {
      "default": 1200,
      "description": "Annual insurance",
      "type": "number",
      "minimum": 0,
      "maximum": 200000
    },
    "monthlyHOA": {
      "default": 0,
      "description": "Monthly HOA — Monthly homeowners association fee, if applicable.",
      "type": "number",
      "minimum": 0,
      "maximum": 10000
    },
    "annualPmiRatePct": {
      "default": 0.8,
      "description": "Annual PMI rate (%) — Applies when the down payment is under 20%; use the rate from a loan estimate when available.",
      "type": "number",
      "minimum": 0,
      "maximum": 5
    },
    "closingCosts": {
      "default": 0,
      "description": "Closing costs — Upfront lender and transaction costs, excluding the down payment.",
      "type": "number",
      "minimum": 0,
      "maximum": 1000000
    },
    "monthlyMaintenance": {
      "default": 0,
      "description": "Monthly maintenance reserve — Optional owner-paid maintenance budget; not part of PITI.",
      "type": "number",
      "minimum": 0,
      "maximum": 100000
    },
    "extraPrincipalMonthly": {
      "default": 0,
      "description": "Extra principal each month — Additional principal payment used to shorten payoff and reduce interest.",
      "type": "number",
      "minimum": 0,
      "maximum": 1000000
    }
  },
  "additionalProperties": false
}