@utilix-tech/mcp 0.59.0 → 0.61.0

package/CHANGELOG.md

@@ -2,6 +2,13 @@
 
 Full release notes for all Utilix surfaces (browser tools, REST API, SDKs, MCP server) live at [utilix.tech/changelog](https://utilix.tech/changelog). This file tracks just this package.
 
+## 0.61.0
+- Add `calculate_extra_payment_payoff` tool: compute how much faster a fixed-rate loan pays off, and how much interest is saved, when a fixed extra amount is added to every monthly payment.
+
+## 0.60.0
+- Add `build_retry_after_header`, `parse_retry_after_header` tools: build an HTTP Retry-After response header from a delay in seconds or a target date, or parse an existing one, per RFC 9110.
+- Add `calculate_freelancer_rate` tool: solve for the minimum hourly rate a freelancer must charge to hit a target annual income, given billable hours, weeks worked, overhead, and a profit margin.
+
 ## 0.59.0
 - Add `build_prefer_header`, `parse_prefer_header` tools: build an HTTP Prefer request-header value from preferences with optional values and parameters per RFC 7240, or parse an existing one into the same shape.
 - Add `dedupe_ndjson` tool: remove duplicate records from NDJSON input, either by exact structural equality or by a chosen key field, keeping the first occurrence of each duplicate.

package/README.md

@@ -1,6 +1,6 @@
 # @utilix-tech/mcp
 
-MCP server exposing 208 developer utility tools to Claude, Cursor, VS Code Copilot, and any [Model Context Protocol](https://modelcontextprotocol.io) compatible AI assistant.
+MCP server exposing 212 developer utility tools to Claude, Cursor, VS Code Copilot, and any [Model Context Protocol](https://modelcontextprotocol.io) compatible AI assistant.
 
 No API key required. All tools run locally. Requires Node.js 18 or later.
 
@@ -162,7 +162,7 @@ claude mcp add utilix -- npx -y @utilix-tech/mcp
 | `convert_timezone` | Convert a date/time between timezones |
 | `convert_iso8601_duration` | Parse an ISO 8601 duration into components and total seconds, or format seconds into a duration string |
 
-### Units (35 tools)
+### Units (37 tools)
 | Tool | Description |
 |------|-------------|
 | `convert_bytes` | Convert between B, KB, MB, GB, TB, KiB, MiB, GiB, TiB |
@@ -200,8 +200,10 @@ claude mcp add utilix -- npx -y @utilix-tech/mcp
 | `calculate_credit_utilization` | Compute per-account and overall credit utilization (balance / limit) from one or more credit accounts, plus a qualitative tier matching common credit-scoring guidance |
 | `calculate_debt_to_income_ratio` | Compute the debt-to-income ratio (total monthly debt payments / gross monthly income) from one or more monthly debts, plus a qualitative tier matching common mortgage-lending guidance |
 | `calculate_blended_loan_rate` | Compute the single weighted-average interest rate across a list of loan balances, weighted by each loan's share of the combined balance, plus combined monthly and annual interest accrual |
+| `calculate_freelancer_rate` | Solve for the minimum hourly rate a freelancer must charge to hit a target annual income, given billable hours, weeks worked, overhead, and a profit margin |
+| `calculate_extra_payment_payoff` | Compute how much faster a fixed-rate loan pays off, and how much interest is saved, when a fixed extra amount is added to every monthly payment |
 
-### API / Network (31 tools)
+### API / Network (33 tools)
 | Tool | Description |
 |------|-------------|
 | `decode_jwt` | Decode a JWT: header, payload, and expiry |
@@ -237,6 +239,8 @@ claude mcp add utilix -- npx -y @utilix-tech/mcp
 | `parse_accept_language` | Parse an existing Accept-Language header value into its ranked locale/quality pairs |
 | `build_prefer_header` | Build an HTTP Prefer request-header value from preferences with optional values/params, per RFC 7240 |
 | `parse_prefer_header` | Parse an existing Prefer header value into its list of preferences, values, and parameters |
+| `build_retry_after_header` | Build a Retry-After response header from a delay in seconds or a target date, per RFC 9110 |
+| `parse_retry_after_header` | Parse an existing Retry-After header value into the same shape |
 
 ### Color (4 tools)
 | Tool | Description |

package/dist/index.js

@@ -2091,6 +2091,55 @@ server.tool(
     return text(JSON.stringify(result, null, 2));
   }
 );
+function _calculateExtraPaymentPayoff(principal, annualRatePercent, termMonths, extraMonthlyPayment) {
+  const baseline = _calculateLoan(principal, annualRatePercent, termMonths);
+  if ("error" in baseline) return baseline;
+  if (!Number.isFinite(extraMonthlyPayment) || extraMonthlyPayment < 0) {
+    return { error: "Extra monthly payment must be zero or a positive number" };
+  }
+  const monthlyRate = annualRatePercent / 100 / 12;
+  const payment = _roundMoneyMcp(baseline.monthlyPayment) + _roundMoneyMcp(extraMonthlyPayment);
+  let balance = _roundMoneyMcp(principal);
+  let totalInterestPaid = 0;
+  let payoffMonths = termMonths;
+  for (let month = 1; month <= termMonths; month++) {
+    const interest = monthlyRate === 0 ? 0 : _roundMoneyMcp(balance * monthlyRate);
+    let principalPortion = payment - interest;
+    if (principalPortion > balance) principalPortion = balance;
+    totalInterestPaid += interest;
+    balance = _roundMoneyMcp(balance - principalPortion);
+    if (balance <= 0) {
+      payoffMonths = month;
+      break;
+    }
+  }
+  const baselineTotalInterest = baseline.totalInterest;
+  return {
+    monthlyPayment: _roundMoneyMcp(baseline.monthlyPayment),
+    extraMonthlyPayment: _roundMoneyMcp(extraMonthlyPayment),
+    baselinePayoffMonths: termMonths,
+    baselineTotalInterest,
+    newPayoffMonths: payoffMonths,
+    newTotalInterest: _roundMoneyMcp(totalInterestPaid),
+    monthsSaved: termMonths - payoffMonths,
+    interestSaved: _roundMoneyMcp(baselineTotalInterest - totalInterestPaid)
+  };
+}
+server.tool(
+  "calculate_extra_payment_payoff",
+  "Compute how much faster a fixed-rate loan pays off, and how much interest is saved, when a fixed extra amount is added to every monthly payment on top of the standard amortized payment.",
+  {
+    principal: z.number().describe("Loan principal amount"),
+    annualRatePercent: z.number().describe("Annual interest rate as a percent, e.g. 6.5"),
+    termMonths: z.number().int().describe("Original loan term in months"),
+    extraMonthlyPayment: z.number().describe("Fixed extra amount added to every monthly payment")
+  },
+  async ({ principal, annualRatePercent, termMonths, extraMonthlyPayment }) => {
+    const result = _calculateExtraPaymentPayoff(principal, annualRatePercent, termMonths, extraMonthlyPayment);
+    if ("error" in result) return errText(result);
+    return text(JSON.stringify(result, null, 2));
+  }
+);
 var _BARCODE_FORMAT_BY_LENGTH = { 8: "EAN-8", 12: "UPC-A", 13: "EAN-13" };
 function _computeBarcodeCheckDigit(dataDigits) {
   let sum = 0;
@@ -9692,5 +9741,113 @@ server.tool(
     }, null, 2));
   }
 );
+function _buildRetryAfterHeaderMcp(input) {
+  const { seconds, date } = input;
+  const hasSeconds = seconds !== void 0;
+  const hasDate = date !== void 0 && date !== "";
+  if (hasSeconds && hasDate) return { error: "Provide either seconds or date, not both" };
+  if (!hasSeconds && !hasDate) return { error: "seconds or date is required" };
+  if (hasSeconds) {
+    if (typeof seconds !== "number" || !Number.isFinite(seconds) || !Number.isInteger(seconds) || seconds < 0) {
+      return { error: "seconds must be a non-negative integer" };
+    }
+    return { header: `Retry-After: ${seconds}`, headerValue: String(seconds), type: "seconds", seconds };
+  }
+  const parsed = new Date(date);
+  if (Number.isNaN(parsed.getTime())) return { error: "date must be a valid date/time string" };
+  const httpDate = parsed.toUTCString();
+  return { header: `Retry-After: ${httpDate}`, headerValue: httpDate, type: "http-date", httpDate, iso: parsed.toISOString() };
+}
+function _parseRetryAfterHeaderMcp(raw) {
+  if (!raw || raw.trim() === "") return { error: "Input is empty" };
+  const value = raw.trim().replace(/^retry-after:\s*/i, "").trim();
+  if (value === "") return { error: "Input is empty" };
+  if (/^\d+$/.test(value)) {
+    const seconds = parseInt(value, 10);
+    return { header: `Retry-After: ${seconds}`, headerValue: String(seconds), type: "seconds", seconds };
+  }
+  const parsed = new Date(value);
+  if (Number.isNaN(parsed.getTime())) {
+    return { error: "Value is neither a non-negative integer (seconds) nor a valid HTTP-date" };
+  }
+  const httpDate = parsed.toUTCString();
+  return { header: `Retry-After: ${httpDate}`, headerValue: httpDate, type: "http-date", httpDate, iso: parsed.toISOString() };
+}
+server.tool(
+  "build_retry_after_header",
+  'Build a Retry-After response header value from either a non-negative delay in seconds or a target date/time, per RFC 9110 Section 10.2.3. A date is formatted as an HTTP-date (IMF-fixdate, e.g. "Wed, 21 Oct 2026 07:28:00 GMT"), the only date format the header allows.',
+  {
+    seconds: z.number().int().min(0).optional().describe("A non-negative delay in seconds (required unless date is given)"),
+    date: z.string().optional().describe("A target date/time string to format as an HTTP-date (required unless seconds is given)")
+  },
+  async ({ seconds, date }) => {
+    const result = _buildRetryAfterHeaderMcp({ seconds, date });
+    if ("error" in result) return errText(result);
+    return text(JSON.stringify(result, null, 2));
+  }
+);
+server.tool(
+  "parse_retry_after_header",
+  'Parse an existing Retry-After header value (with or without a leading "Retry-After:" label) into either its delay-in-seconds form or its HTTP-date form, per RFC 9110 Section 10.2.3.',
+  {
+    header: z.string().min(1).describe("The Retry-After header value to parse")
+  },
+  async ({ header }) => {
+    const result = _parseRetryAfterHeaderMcp(header);
+    if ("error" in result) return errText(result);
+    return text(JSON.stringify(result, null, 2));
+  }
+);
+function _calculateFreelancerRateMcp(input) {
+  const { targetAnnualIncome, billableHoursPerWeek, weeksPerYear } = input;
+  const annualOverheadCosts = input.annualOverheadCosts ?? 0;
+  const profitMarginPercent = input.profitMarginPercent ?? 0;
+  if (!Number.isFinite(targetAnnualIncome) || targetAnnualIncome < 0) {
+    return { error: "targetAnnualIncome must be a finite, non-negative number" };
+  }
+  if (!Number.isFinite(billableHoursPerWeek) || billableHoursPerWeek <= 0 || billableHoursPerWeek > 168) {
+    return { error: "billableHoursPerWeek must be a finite number greater than zero and at most 168" };
+  }
+  if (!Number.isFinite(weeksPerYear) || weeksPerYear <= 0 || weeksPerYear > 52) {
+    return { error: "weeksPerYear must be a finite number greater than zero and at most 52" };
+  }
+  if (!Number.isFinite(annualOverheadCosts) || annualOverheadCosts < 0) {
+    return { error: "annualOverheadCosts must be a finite, non-negative number" };
+  }
+  if (!Number.isFinite(profitMarginPercent) || profitMarginPercent < 0) {
+    return { error: "profitMarginPercent must be a finite, non-negative number" };
+  }
+  const round2 = (n) => Math.round(n * 100) / 100;
+  const annualBillableHours = billableHoursPerWeek * weeksPerYear;
+  const baseRevenueNeeded = targetAnnualIncome + annualOverheadCosts;
+  const requiredAnnualRevenue = baseRevenueNeeded * (1 + profitMarginPercent / 100);
+  const hourlyRate = requiredAnnualRevenue / annualBillableHours;
+  return {
+    targetAnnualIncome: round2(targetAnnualIncome),
+    annualOverheadCosts: round2(annualOverheadCosts),
+    profitMarginPercent: round2(profitMarginPercent),
+    annualBillableHours: round2(annualBillableHours),
+    requiredAnnualRevenue: round2(requiredAnnualRevenue),
+    hourlyRate: round2(hourlyRate),
+    dailyRate: round2(hourlyRate * 8),
+    monthlyRevenueTarget: round2(requiredAnnualRevenue / 12)
+  };
+}
+server.tool(
+  "calculate_freelancer_rate",
+  "Solve for the minimum hourly rate a freelancer must charge to hit a target annual take-home income, given billable hours per week, weeks actually worked per year, annual business overhead, and an optional profit margin/buffer applied on top.",
+  {
+    targetAnnualIncome: z.number().min(0).describe("Desired annual take-home income"),
+    billableHoursPerWeek: z.number().gt(0).max(168).describe("Billable hours worked per week"),
+    weeksPerYear: z.number().gt(0).max(52).describe("Weeks actually worked per year, after vacation/holidays"),
+    annualOverheadCosts: z.number().min(0).optional().describe("Annual business expenses (software, insurance, etc.), default 0"),
+    profitMarginPercent: z.number().min(0).optional().describe("Extra buffer/profit margin percent applied on top of income plus overhead, default 0")
+  },
+  async ({ targetAnnualIncome, billableHoursPerWeek, weeksPerYear, annualOverheadCosts, profitMarginPercent }) => {
+    const result = _calculateFreelancerRateMcp({ targetAnnualIncome, billableHoursPerWeek, weeksPerYear, annualOverheadCosts, profitMarginPercent });
+    if ("error" in result) return errText(result);
+    return text(JSON.stringify(result, null, 2));
+  }
+);
 var transport = new StdioServerTransport();
 await server.connect(transport);

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@utilix-tech/mcp",
-  "version": "0.59.0",
+  "version": "0.61.0",
   "description": "MCP server exposing 198 Utilix developer tools to Claude, Cursor, VS Code Copilot, and any MCP-compatible AI assistant.",
   "author": "Utilix <hello@utilix.tech>",
   "license": "MIT",