@markcolabs/mcp 0.1.0 → 0.3.0

package/dist/index.js

@@ -2,19 +2,23 @@
 /**
  * @markcolabs/mcp — MCP server entrypoint.
  *
- * Sprint 136 v0.1.0 (per ADR-0039). Registers:
- *   - 5 tools:
- *       dc.calculator.mortgage.monthlyPayment       (S135 Item 5)
- *       dc.calculator.compoundInterest.futureValue  (S135 Item 5)
- *       dc.calculator.401k.projection               (S136 Item 3)
- *       dc.calculator.socialSecurity.estimate       (S136 Item 3)
- *       dc.calculator.paycheck.netPay               (S136 Item 3)
+ * v0.3.0 (per ADR-0039 + ADR-0041 reconciliation; S141 Wave 1A + 1B).
+ * Registers:
+ *   - 9 tools:
+ *       dc.calculator.mortgage.monthlyPayment           (S135 Item 5)
+ *       dc.calculator.compoundInterest.futureValue      (S135 Item 5)
+ *       dc.calculator.retirement401k.projection         (S136 Item 3, renamed v0.2.0 per ADR-0041 D2)
+ *       dc.calculator.socialSecurity.estimatedBenefit   (S136 Item 3, renamed v0.2.0 per ADR-0041 D2)
+ *       dc.calculator.paycheck.netPay                   (S136 Item 3)
+ *       dc.calculator.ira.contributionLimit             (S141 Wave 1A)
+ *       dc.calculator.rothConversion.taxImpact          (S141 Wave 1A)
+ *       dc.calculator.rmd.distributionAmount            (S141 Wave 1B — new)
+ *       dc.calculator.hsa.contributionLimit             (S141 Wave 1B — new)
  *   - 1 resource: dc://disclaimers/ymyl (canonical YMYL disclaimer)
  *
  * Transport: stdio (default for local MCP clients).
  *
- * S136 hits O5-KR1 5-tool target. Post-S136: methodology resources
- * (dc://methodologies/*) and the `plan-retirement` prompt template (O5-KR2).
+ * S141 Wave 1A took tool coverage 5 → 7; Wave 1B finalizes 7 → 9 (v0.3.0).
  */
 import { Server } from "@modelcontextprotocol/sdk/server/index.js";
 import { StdioServerTransport } from "@modelcontextprotocol/sdk/server/stdio.js";
@@ -25,6 +29,10 @@ import * as compoundInterestTool from "./tools/compoundInterest.js";
 import * as retirement401kTool from "./tools/retirement401k.js";
 import * as socialSecurityTool from "./tools/socialSecurity.js";
 import * as paycheckTool from "./tools/paycheck.js";
+import * as iraTool from "./tools/ira.js";
+import * as rothConversionTool from "./tools/rothConversion.js";
+import * as rmdTool from "./tools/rmd.js";
+import * as hsaTool from "./tools/hsa.js";
 import { YMYL_DISCLAIMER, YMYL_DISCLAIMER_URI, } from "./disclaimers/ymyl.js";
 // Re-export the tool execute functions and engines so consumers (and parity
 // tests) can import them directly without spinning up the MCP transport.
@@ -33,18 +41,26 @@ export { execute as executeCompoundInterestTool } from "./tools/compoundInterest
 export { execute as executeRetirement401kTool } from "./tools/retirement401k.js";
 export { execute as executeSocialSecurityTool } from "./tools/socialSecurity.js";
 export { execute as executePaycheckTool } from "./tools/paycheck.js";
+export { execute as executeIraTool } from "./tools/ira.js";
+export { execute as executeRothConversionTool } from "./tools/rothConversion.js";
+export { execute as executeRmdTool } from "./tools/rmd.js";
+export { execute as executeHsaTool } from "./tools/hsa.js";
 export * as mortgageEngine from "./engines/mortgage.js";
 export * as compoundInterestEngine from "./engines/compoundInterest.js";
 export * as retirement401kEngine from "./engines/retirement401k.js";
 export * as socialSecurityEngine from "./engines/socialSecurity.js";
 export * as paycheckEngine from "./engines/paycheck.js";
+export * as iraEngine from "./engines/ira.js";
+export * as rothConversionEngine from "./engines/rothConversion.js";
+export * as rmdEngine from "./engines/rmd.js";
+export * as hsaEngine from "./engines/hsa.js";
 export * from "./envelope.js";
 // ---------------------------------------------------------------------------
 // Server setup
 // ---------------------------------------------------------------------------
 const server = new Server({
     name: "@markcolabs/mcp",
-    version: "0.1.0",
+    version: "0.3.0",
 }, {
     capabilities: {
         tools: {},
@@ -54,6 +70,20 @@ const server = new Server({
 // ---------------------------------------------------------------------------
 // tools/list
 // ---------------------------------------------------------------------------
+/**
+ * Tool annotations per Anthropic Claude Connectors Directory spec
+ * (MCP-AUDIT-023, S141 Item #5):
+ *   - title:           human-readable display name (sentence-case)
+ *   - readOnlyHint:    true — all our tools are pure functions, no mutation
+ *   - destructiveHint: false — no tool modifies any state
+ *
+ * Applied uniformly across all 9 tools — the package is read-only by design
+ * (MCP-AUDIT-008 audit-bundle conclusion).
+ */
+const READ_ONLY_ANNOTATIONS = {
+    readOnlyHint: true,
+    destructiveHint: false,
+};
 server.setRequestHandler(ListToolsRequestSchema, async () => {
     return {
         tools: [
@@ -61,26 +91,82 @@ server.setRequestHandler(ListToolsRequestSchema, async () => {
                 name: mortgageTool.TOOL_NAME,
                 description: mortgageTool.TOOL_DESCRIPTION,
                 inputSchema: zodToJsonSchema(mortgageTool.MortgageMonthlyPaymentInputSchema),
+                annotations: {
+                    title: "Mortgage Monthly Payment",
+                    ...READ_ONLY_ANNOTATIONS,
+                },
             },
             {
                 name: compoundInterestTool.TOOL_NAME,
                 description: compoundInterestTool.TOOL_DESCRIPTION,
                 inputSchema: zodToJsonSchema(compoundInterestTool.CompoundInterestFutureValueInputSchema),
+                annotations: {
+                    title: "Compound Interest Future Value",
+                    ...READ_ONLY_ANNOTATIONS,
+                },
             },
             {
                 name: retirement401kTool.TOOL_NAME,
                 description: retirement401kTool.TOOL_DESCRIPTION,
                 inputSchema: zodToJsonSchema(retirement401kTool.Retirement401kProjectionInputSchema),
+                annotations: {
+                    title: "401(k) Retirement Projection",
+                    ...READ_ONLY_ANNOTATIONS,
+                },
             },
             {
                 name: socialSecurityTool.TOOL_NAME,
                 description: socialSecurityTool.TOOL_DESCRIPTION,
                 inputSchema: zodToJsonSchema(socialSecurityTool.SocialSecurityEstimateInputSchema),
+                annotations: {
+                    title: "Social Security Estimated Benefit",
+                    ...READ_ONLY_ANNOTATIONS,
+                },
             },
             {
                 name: paycheckTool.TOOL_NAME,
                 description: paycheckTool.TOOL_DESCRIPTION,
                 inputSchema: zodToJsonSchema(paycheckTool.PaycheckNetPayInputSchema),
+                annotations: {
+                    title: "Paycheck Net Pay",
+                    ...READ_ONLY_ANNOTATIONS,
+                },
+            },
+            {
+                name: iraTool.TOOL_NAME,
+                description: iraTool.TOOL_DESCRIPTION,
+                inputSchema: zodToJsonSchema(iraTool.IraContributionLimitInputSchema),
+                annotations: {
+                    title: "IRA Contribution Limit",
+                    ...READ_ONLY_ANNOTATIONS,
+                },
+            },
+            {
+                name: rothConversionTool.TOOL_NAME,
+                description: rothConversionTool.TOOL_DESCRIPTION,
+                inputSchema: zodToJsonSchema(rothConversionTool.RothConversionTaxImpactInputSchema),
+                annotations: {
+                    title: "Roth Conversion Tax Impact",
+                    ...READ_ONLY_ANNOTATIONS,
+                },
+            },
+            {
+                name: rmdTool.TOOL_NAME,
+                description: rmdTool.TOOL_DESCRIPTION,
+                inputSchema: zodToJsonSchema(rmdTool.RmdDistributionAmountInputSchema),
+                annotations: {
+                    title: "RMD Distribution Amount",
+                    ...READ_ONLY_ANNOTATIONS,
+                },
+            },
+            {
+                name: hsaTool.TOOL_NAME,
+                description: hsaTool.TOOL_DESCRIPTION,
+                inputSchema: zodToJsonSchema(hsaTool.HsaContributionLimitInputSchema),
+                annotations: {
+                    title: "HSA Contribution Limit",
+                    ...READ_ONLY_ANNOTATIONS,
+                },
             },
         ],
     };
@@ -107,6 +193,18 @@ server.setRequestHandler(CallToolRequestSchema, async (request) => {
         case paycheckTool.TOOL_NAME:
             result = paycheckTool.execute(args);
             break;
+        case iraTool.TOOL_NAME:
+            result = iraTool.execute(args);
+            break;
+        case rothConversionTool.TOOL_NAME:
+            result = rothConversionTool.execute(args);
+            break;
+        case rmdTool.TOOL_NAME:
+            result = rmdTool.execute(args);
+            break;
+        case hsaTool.TOOL_NAME:
+            result = hsaTool.execute(args);
+            break;
         default:
             return {
                 isError: true,
@@ -181,7 +279,7 @@ async function main() {
     const transport = new StdioServerTransport();
     await server.connect(transport);
     // eslint-disable-next-line no-console
-    console.error("[@markcolabs/mcp] v0.1.0 ready (stdio) — 5 tools registered.");
+    console.error("[@markcolabs/mcp] v0.3.0 ready (stdio) — 9 tools registered.");
 }
 // Run only when invoked as a binary, not when imported by parity tests.
 const isDirect = import.meta.url === `file://${process.argv[1]}` ||

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package/dist/shared/bounds.d.ts

@@ -80,4 +80,54 @@ export type PaycheckPayFrequencyLabel = keyof typeof PAYCHECK_PAY_FREQUENCY;
 /** Federal filing-status enum (camelCase, matches paycheck engine). */
 export declare const FEDERAL_FILING_STATUS: readonly ["single", "married", "marriedSeparate", "headOfHousehold"];
 export type FederalFilingStatusLabel = (typeof FEDERAL_FILING_STATUS)[number];
+export declare const IRA_BOUNDS: {
+    readonly MIN_AGE: 18;
+    readonly MAX_AGE: 100;
+    readonly MIN_MAGI: 0;
+    readonly MAX_MAGI: 10000000;
+};
+/**
+ * Allowed IRA filing-status labels. Mirrors the engine's `IraFilingStatus`.
+ * Camelcase keys match the rest of the MCP package's filing-status convention
+ * (paycheck engine, federal-tax data).
+ */
+export declare const IRA_FILING_STATUS: readonly ["single", "marriedFilingJointly", "marriedFilingSeparately", "headOfHousehold"];
+export type IraFilingStatusLabel = (typeof IRA_FILING_STATUS)[number];
+/** Allowed IRA types — drives Roth vs Traditional phase-out semantics. */
+export declare const IRA_TYPES: readonly ["traditional", "roth"];
+export type IraTypeLabel = (typeof IRA_TYPES)[number];
+export declare const ROTH_CONVERSION_BOUNDS: {
+    readonly MIN_CONVERSION: 0;
+    readonly MAX_CONVERSION: 10000000;
+    readonly MIN_AGE: 18;
+    readonly MAX_AGE: 100;
+    readonly MIN_TAXABLE_INCOME: 0;
+    readonly MAX_TAXABLE_INCOME: 10000000;
+    readonly MIN_RETIREMENT_RATE_PERCENT: 0;
+    readonly MAX_RETIREMENT_RATE_PERCENT: 50;
+    readonly MIN_RETURN_PERCENT: 0;
+    readonly MAX_RETURN_PERCENT: 20;
+};
+export declare const RMD_BOUNDS: {
+    readonly MIN_OWNER_AGE: 73;
+    readonly MAX_OWNER_AGE: 120;
+    readonly MIN_BALANCE: 0;
+    readonly MAX_BALANCE: 100000000;
+};
+export declare const HSA_BOUNDS: {
+    readonly MIN_AGE: 18;
+    readonly MAX_AGE: 100;
+    readonly MIN_EMPLOYER_CONTRIBUTION: 0;
+    readonly MAX_EMPLOYER_CONTRIBUTION: 50000;
+    readonly MIN_MARGINAL_RATE_PERCENT: 0;
+    readonly MAX_MARGINAL_RATE_PERCENT: 50;
+};
+/**
+ * Allowed HSA coverage-tier labels. Mirrors the site calc's `coverageType`
+ * values (`'individual'` and `'family'`) but uses the IRS-canonical name
+ * `'self-only'` for the individual tier (matches IRS Rev. Proc. 2025-19
+ * language). Tool callers using the site spelling can map at the boundary.
+ */
+export declare const HSA_COVERAGE_TIER: readonly ["self-only", "family"];
+export type HsaCoverageTierLabel = (typeof HSA_COVERAGE_TIER)[number];
 //# sourceMappingURL=bounds.d.ts.map

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package/dist/shared/bounds.js

@@ -118,4 +118,89 @@ export const FEDERAL_FILING_STATUS = [
     "marriedSeparate",
     "headOfHousehold",
 ];
+// -----------------------------------------------------------------------------
+// IRA contribution-limit bounds (S141 Wave 1A)
+// -----------------------------------------------------------------------------
+// Mirrors site/src/pages/ira-calculator form ranges + IRS plausibility caps.
+// MAX_MAGI = $10M caps obvious absurd inputs while leaving room for actual
+// high-earner Roth phase-out math (Roth single phase-out ends $168k 2026;
+// MFJ ends $252k; cap of $10M leaves the curve well-defined either side).
+export const IRA_BOUNDS = {
+    MIN_AGE: 18,
+    MAX_AGE: 100,
+    MIN_MAGI: 0,
+    MAX_MAGI: 10_000_000,
+};
+/**
+ * Allowed IRA filing-status labels. Mirrors the engine's `IraFilingStatus`.
+ * Camelcase keys match the rest of the MCP package's filing-status convention
+ * (paycheck engine, federal-tax data).
+ */
+export const IRA_FILING_STATUS = [
+    "single",
+    "marriedFilingJointly",
+    "marriedFilingSeparately",
+    "headOfHousehold",
+];
+/** Allowed IRA types — drives Roth vs Traditional phase-out semantics. */
+export const IRA_TYPES = ["traditional", "roth"];
+// -----------------------------------------------------------------------------
+// Roth Conversion bounds (S141 Wave 1A)
+// -----------------------------------------------------------------------------
+// Mirrors site/src/pages/roth-conversion-calculator VALIDATION ranges.
+// MIN_AGE=18 (legal IRA owner), MAX_AGE=100 (sanity cap), MAX_CONVERSION=$10M
+// (per site MAX_BALANCE), MAX_TAXABLE_INCOME=$10M (same cap rationale).
+export const ROTH_CONVERSION_BOUNDS = {
+    MIN_CONVERSION: 0,
+    MAX_CONVERSION: 10_000_000,
+    MIN_AGE: 18,
+    MAX_AGE: 100,
+    MIN_TAXABLE_INCOME: 0,
+    MAX_TAXABLE_INCOME: 10_000_000,
+    MIN_RETIREMENT_RATE_PERCENT: 0,
+    // Top federal bracket is 37%; cap at 50% leaves headroom for SECURE-2.0+
+    // policy moves without re-bounding.
+    MAX_RETIREMENT_RATE_PERCENT: 50,
+    MIN_RETURN_PERCENT: 0,
+    MAX_RETURN_PERCENT: 20,
+};
+// -----------------------------------------------------------------------------
+// RMD (Required Minimum Distribution) bounds (S141 Wave 1B)
+// -----------------------------------------------------------------------------
+// Owner age floor 73 matches SECURE 2.0 RMD age for the 1951-1959 birth-year
+// cohort (the common case for clients querying this tool in 2026). The site
+// rmd-engine.js allows 70.5 (legacy pre-1951 cohort) but tool callers asking
+// for an RMD before age 73 are almost certainly making an error; INPUT_VALIDATION
+// is the safer default. Max age 120 matches Uniform Lifetime Table upper bound.
+// MAX_BALANCE $100M caps obvious absurd inputs while leaving headroom for
+// ultra-high-balance IRAs (Roth conversion litigation cases, etc.).
+export const RMD_BOUNDS = {
+    MIN_OWNER_AGE: 73,
+    MAX_OWNER_AGE: 120,
+    MIN_BALANCE: 0,
+    MAX_BALANCE: 100_000_000,
+};
+// -----------------------------------------------------------------------------
+// HSA (Health Savings Account) bounds (S141 Wave 1B)
+// -----------------------------------------------------------------------------
+// MIN_AGE 18 is the legal-adult floor for HDHP enrollment; MAX_AGE 100 is a
+// sanity cap. MAX_EMPLOYER_CONTRIBUTION matches the family + catch-up limit
+// ($9,750) — a single employer contribution exceeding that is implausible but
+// gracefully clamped by the engine via Math.max(0, ...). MAX_MARGINAL_RATE 50%
+// matches the Roth Conversion ceiling rationale.
+export const HSA_BOUNDS = {
+    MIN_AGE: 18,
+    MAX_AGE: 100,
+    MIN_EMPLOYER_CONTRIBUTION: 0,
+    MAX_EMPLOYER_CONTRIBUTION: 50_000,
+    MIN_MARGINAL_RATE_PERCENT: 0,
+    MAX_MARGINAL_RATE_PERCENT: 50,
+};
+/**
+ * Allowed HSA coverage-tier labels. Mirrors the site calc's `coverageType`
+ * values (`'individual'` and `'family'`) but uses the IRS-canonical name
+ * `'self-only'` for the individual tier (matches IRS Rev. Proc. 2025-19
+ * language). Tool callers using the site spelling can map at the boundary.
+ */
+export const HSA_COVERAGE_TIER = ["self-only", "family"];
 //# sourceMappingURL=bounds.js.map

package/dist/shared/bounds.js.map

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package/dist/tools/hsa.d.ts

@@ -0,0 +1,58 @@
+/**
+ * MCP tool wrapper for `dc.calculator.hsa.contributionLimit`.
+ *
+ * Per ADR-0039 § 1: tool name locked.
+ * Per ADR-0039 § 2: Zod input with bounds from shared/bounds.ts; enum for
+ *                   coverage tier; rate as whole-number percent.
+ * Per ADR-0039 § 3: returns ToolResult<HsaContributionLimitResult>.
+ * Per ADR-0039 § 4: errors funnel through ToolError.
+ *
+ * Scope per S141 Wave 1B: contribution-LIMIT and employer-reduction math
+ * only. Detailed federal/state/FICA tax-savings breakdown is a future tool
+ * (`dc.calculator.hsa.taxSavingsBreakdown`).
+ */
+import { z } from "zod";
+import { type HsaContributionLimitResult } from "../engines/hsa.js";
+import { type ToolResult, type ToolError } from "../envelope.js";
+/** Locked tool name per ADR-0039 § 1. */
+export declare const TOOL_NAME = "dc.calculator.hsa.contributionLimit";
+/**
+ * Zod input schema. Bounds come from shared/bounds.ts. Coverage tier uses
+ * IRS-canonical names (`"self-only"` and `"family"`) per Rev. Proc. 2025-19.
+ */
+export declare const HsaContributionLimitInputSchema: z.ZodObject<{
+    age: z.ZodNumber;
+    coverageTier: z.ZodEnum<["self-only", "family"]>;
+    employerContribution: z.ZodOptional<z.ZodNumber>;
+    estimatedMarginalRatePercent: z.ZodOptional<z.ZodNumber>;
+}, "strip", z.ZodTypeAny, {
+    age: number;
+    coverageTier: "self-only" | "family";
+    employerContribution?: number | undefined;
+    estimatedMarginalRatePercent?: number | undefined;
+}, {
+    age: number;
+    coverageTier: "self-only" | "family";
+    employerContribution?: number | undefined;
+    estimatedMarginalRatePercent?: number | undefined;
+}>;
+export type HsaContributionLimitToolInput = z.infer<typeof HsaContributionLimitInputSchema>;
+/** Tool description used in mcp.tools/list. */
+export declare const TOOL_DESCRIPTION: string;
+/**
+ * Execute the tool. Validation + engine call wrapped in the standard envelope.
+ *
+ * Tagged-union return:
+ *   { ok: true, value: ToolResult<...> }
+ *   { ok: false, error: ToolError }
+ *
+ * The MCP SDK adapter at src/index.ts maps `ok=false` to `isError: true`.
+ */
+export declare function execute(rawInput: unknown): {
+    ok: true;
+    value: ToolResult<HsaContributionLimitResult>;
+} | {
+    ok: false;
+    error: ToolError;
+};
+//# sourceMappingURL=hsa.d.ts.map

package/dist/tools/hsa.d.ts.map

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package/dist/tools/hsa.js

@@ -0,0 +1,129 @@
+/**
+ * MCP tool wrapper for `dc.calculator.hsa.contributionLimit`.
+ *
+ * Per ADR-0039 § 1: tool name locked.
+ * Per ADR-0039 § 2: Zod input with bounds from shared/bounds.ts; enum for
+ *                   coverage tier; rate as whole-number percent.
+ * Per ADR-0039 § 3: returns ToolResult<HsaContributionLimitResult>.
+ * Per ADR-0039 § 4: errors funnel through ToolError.
+ *
+ * Scope per S141 Wave 1B: contribution-LIMIT and employer-reduction math
+ * only. Detailed federal/state/FICA tax-savings breakdown is a future tool
+ * (`dc.calculator.hsa.taxSavingsBreakdown`).
+ */
+import { z } from "zod";
+import { contributionLimit, ENGINE_VERSION, } from "../engines/hsa.js";
+import { HSA_BOUNDS, HSA_COVERAGE_TIER } from "../shared/bounds.js";
+import { YMYL_DISCLAIMER } from "../disclaimers/ymyl.js";
+import { makeResult, makeError, } from "../envelope.js";
+/** Locked tool name per ADR-0039 § 1. */
+export const TOOL_NAME = "dc.calculator.hsa.contributionLimit";
+/** Methodology pointer — ADR-0039 § 3. */
+const METHODOLOGY = {
+    url: "https://www.digitalcalculator.info/hsa-calculator/",
+    version: "2026-05-27",
+};
+/**
+ * Zod input schema. Bounds come from shared/bounds.ts. Coverage tier uses
+ * IRS-canonical names (`"self-only"` and `"family"`) per Rev. Proc. 2025-19.
+ */
+export const HsaContributionLimitInputSchema = z.object({
+    age: z
+        .number()
+        .int()
+        .min(HSA_BOUNDS.MIN_AGE)
+        .max(HSA_BOUNDS.MAX_AGE)
+        .describe("Current age. Age >= 55 enables the statutory $1,000 HSA catch-up (IRC §223(b)(3)(B), not inflation-indexed)."),
+    coverageTier: z
+        .enum(HSA_COVERAGE_TIER)
+        .describe("HDHP coverage tier: 'self-only' (IRS canonical name; ≈ site spelling 'individual') or 'family'."),
+    employerContribution: z
+        .number()
+        .min(HSA_BOUNDS.MIN_EMPLOYER_CONTRIBUTION)
+        .max(HSA_BOUNDS.MAX_EMPLOYER_CONTRIBUTION)
+        .optional()
+        .describe("Optional annual employer HSA contribution, USD. Reduces the employee's eligible payroll-deduction room dollar-for-dollar because the IRS §223(b) limit is a TOTAL annual limit across all funding sources. Defaults to 0."),
+    estimatedMarginalRatePercent: z
+        .number()
+        .min(HSA_BOUNDS.MIN_MARGINAL_RATE_PERCENT)
+        .max(HSA_BOUNDS.MAX_MARGINAL_RATE_PERCENT)
+        .optional()
+        .describe("Optional estimated marginal tax rate, whole-number percent (e.g., 22 for 22%). When provided, the tool returns payrollDeductionTaxSavings = employeeMaxRemaining * (rate / 100). Treated as a combined federal+state+FICA proxy for v1; a detailed 3-component breakdown is a future tool."),
+});
+/** Tool description used in mcp.tools/list. */
+export const TOOL_DESCRIPTION = "Compute the user's annual HSA contribution limit for 2026 given age, HDHP " +
+    "coverage tier (self-only or family), and optional employer contribution. " +
+    "Applies the IRS Rev. Proc. 2025-19 limits ($4,400 self-only, $8,750 family) " +
+    "plus the statutory $1,000 catch-up for age 55+ (IRC §223(b)(3)(B)). " +
+    "Employer contributions reduce the employee's eligible payroll-deduction " +
+    "room dollar-for-dollar (the IRS limit is a TOTAL annual limit across all " +
+    "sources). Optionally returns payrollDeductionTaxSavings when an estimated " +
+    "marginal tax rate is provided (combined fed+state+FICA proxy). Returns " +
+    "{ contributionLimit, catchUpEligible, catchUpAmount, totalContributionLimit, " +
+    "employerContribution, employeeMaxRemaining, payrollDeductionTaxSavings, meta }. " +
+    "SCOPE: contribution-limit math only — long-term growth projection and " +
+    "detailed federal/state/FICA tax-savings breakdown are out of scope for v1.";
+/**
+ * Execute the tool. Validation + engine call wrapped in the standard envelope.
+ *
+ * Tagged-union return:
+ *   { ok: true, value: ToolResult<...> }
+ *   { ok: false, error: ToolError }
+ *
+ * The MCP SDK adapter at src/index.ts maps `ok=false` to `isError: true`.
+ */
+export function execute(rawInput) {
+    const parsed = HsaContributionLimitInputSchema.safeParse(rawInput);
+    if (!parsed.success) {
+        const first = parsed.error.issues[0];
+        return {
+            ok: false,
+            error: makeError({
+                code: "INPUT_VALIDATION",
+                message: first?.message ?? "Invalid input.",
+                field: first?.path.join(".") || undefined,
+                retriable: false,
+            }),
+        };
+    }
+    const input = parsed.data;
+    let payload;
+    try {
+        payload = contributionLimit(input);
+    }
+    catch (err) {
+        return {
+            ok: false,
+            error: makeError({
+                code: "INTERNAL",
+                message: "Engine error computing HSA contribution limit.",
+                retriable: false,
+            }),
+        };
+    }
+    if (!Number.isFinite(payload.contributionLimit) ||
+        !Number.isFinite(payload.catchUpAmount) ||
+        !Number.isFinite(payload.totalContributionLimit) ||
+        !Number.isFinite(payload.employerContribution) ||
+        !Number.isFinite(payload.employeeMaxRemaining) ||
+        !Number.isFinite(payload.payrollDeductionTaxSavings)) {
+        return {
+            ok: false,
+            error: makeError({
+                code: "INTERNAL",
+                message: "HSA contribution-limit engine produced a non-finite result.",
+                retriable: false,
+            }),
+        };
+    }
+    return {
+        ok: true,
+        value: makeResult({
+            result: payload,
+            methodology: METHODOLOGY,
+            engineVersion: ENGINE_VERSION,
+            disclaimer: YMYL_DISCLAIMER,
+        }),
+    };
+}
+//# sourceMappingURL=hsa.js.map

package/dist/tools/hsa.js.map

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package/dist/tools/ira.d.ts

@@ -0,0 +1,55 @@
+/**
+ * MCP tool wrapper for `dc.calculator.ira.contributionLimit`.
+ *
+ * Per ADR-0039 § 1: tool name locked.
+ * Per ADR-0039 § 2: Zod input with bounds from shared/bounds.ts; enums for
+ *                   filing-status + IRA type; MAGI as USD.
+ * Per ADR-0039 § 3: returns ToolResult<IraContributionLimitResult>.
+ * Per ADR-0039 § 4: errors funnel through ToolError.
+ */
+import { z } from "zod";
+import { type IraContributionLimitResult } from "../engines/ira.js";
+import { type ToolResult, type ToolError } from "../envelope.js";
+/** Locked tool name per ADR-0039 § 1. */
+export declare const TOOL_NAME = "dc.calculator.ira.contributionLimit";
+/**
+ * Zod input schema. Bounds come from shared/bounds.ts so engine and schema
+ * cannot drift. Filing status + IRA type are enums (z.enum is more strict
+ * than a free string).
+ */
+export declare const IraContributionLimitInputSchema: z.ZodObject<{
+    age: z.ZodNumber;
+    filingStatus: z.ZodEnum<["single", "marriedFilingJointly", "marriedFilingSeparately", "headOfHousehold"]>;
+    magi: z.ZodNumber;
+    type: z.ZodEnum<["traditional", "roth"]>;
+}, "strip", z.ZodTypeAny, {
+    type: "traditional" | "roth";
+    age: number;
+    filingStatus: "single" | "headOfHousehold" | "marriedFilingJointly" | "marriedFilingSeparately";
+    magi: number;
+}, {
+    type: "traditional" | "roth";
+    age: number;
+    filingStatus: "single" | "headOfHousehold" | "marriedFilingJointly" | "marriedFilingSeparately";
+    magi: number;
+}>;
+export type IraContributionLimitToolInput = z.infer<typeof IraContributionLimitInputSchema>;
+/** Tool description used in mcp.tools/list. */
+export declare const TOOL_DESCRIPTION: string;
+/**
+ * Execute the tool. Validation + engine call wrapped in the standard envelope.
+ *
+ * Tagged-union return:
+ *   { ok: true, value: ToolResult<...> }
+ *   { ok: false, error: ToolError }
+ *
+ * The MCP SDK adapter at src/index.ts maps `ok=false` to `isError: true`.
+ */
+export declare function execute(rawInput: unknown): {
+    ok: true;
+    value: ToolResult<IraContributionLimitResult>;
+} | {
+    ok: false;
+    error: ToolError;
+};
+//# sourceMappingURL=ira.d.ts.map