@utilix-tech/mcp 0.84.0 → 0.85.0

package/CHANGELOG.md

@@ -2,6 +2,10 @@
 
 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.
 
+## 0.85.0
+- Add `calculate_credit_card_minimum_payment` tool: simulate paying only the minimum payment on a revolving credit card balance, where the minimum is the larger of a percent of the balance or a fixed dollar floor, and report months/years to payoff, total interest, and total paid.
+- Add `check_dash_usage` tool: scan text for likely dash misuse: a hyphen surrounded by spaces, an unconverted double hyphen, and inconsistent spacing around em dashes across the same document.
+
 ## 0.84.0
 - Add `find_cron_overlaps` tool: walk minute-by-minute over a window of days and flag every minute where two or more cron schedules fire at once, listing which expressions collided.
 - Add `lint_dockerfile` tool: lint a Dockerfile for an unpinned or `:latest` base image, a final stage missing WORKDIR or USER, and ADD used on a plain local file where COPY would do.

package/README.md

@@ -1,6 +1,6 @@
 # @utilix-tech/mcp
 
-MCP server exposing 262 developer utility tools to Claude, Cursor, VS Code Copilot, and any [Model Context Protocol](https://modelcontextprotocol.io) compatible AI assistant.
+MCP server exposing 264 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.
 
@@ -134,7 +134,7 @@ claude mcp add utilix -- npx -y @utilix-tech/mcp
 | `generate_random_data` | Generate random mock data: names, emails, UUIDs, IPs, etc. |
 | `generate_csp_nonce` | Generate a cryptographically random CSP nonce with ready-to-paste header directive and script/style tag snippets |
 
-### Text (16 tools)
+### Text (17 tools)
 | Tool | Description |
 |------|-------------|
 | `convert_case` | Convert text case: camelCase, snake_case, PascalCase, etc. |
@@ -155,6 +155,7 @@ claude mcp add utilix -- npx -y @utilix-tech/mcp
 | `analyze_sentence_lengths` | Split text into sentences and report a histogram of sentence lengths, plus mean, median, standard deviation, and a consistency label |
 | `lookup_emoji` | Search a curated table of ~280 common emoji by name, keyword, or GitHub-style shortcode, or look one up exactly by shortcode, character, or category |
 | `analyze_keyword_density` | Count keyword/phrase frequency and density (occurrences per 100 words) across a block of text, with single-word or 2/3-word phrase modes |
+| `check_dash_usage` | Scan text for likely dash misuse: a hyphen surrounded by spaces, an unconverted double hyphen, and inconsistent spacing around em dashes across the same document |
 
 ### Time (6 tools)
 | Tool | Description |
@@ -167,7 +168,7 @@ 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 (46 tools)
+### Units (47 tools)
 | Tool | Description |
 |------|-------------|
 | `convert_bytes` | Convert between B, KB, MB, GB, TB, KiB, MiB, GiB, TiB |
@@ -216,6 +217,7 @@ claude mcp add utilix -- npx -y @utilix-tech/mcp
 | `calculate_loan_prepayment_penalty` | Compute the dollar penalty cost of paying a loan off early, given its remaining payoff balance and a prepayment penalty structure: either a flat percent of the payoff balance, or a fixed number of months of interest at the loan's annual rate |
 | `estimate_data_transfer_time` | Estimate the theoretical time to transfer a file of a given size over a connection of a given speed, or (given a target time instead) the bandwidth required to hit it |
 | `calculate_real_rate_of_return` | Apply the Fisher equation to solve for whichever of the nominal rate, inflation rate, or inflation-adjusted real rate is missing, given exactly two of the three |
+| `calculate_credit_card_minimum_payment` | Simulate paying only the minimum payment on a revolving credit card balance, where the minimum is the larger of a percent of the balance or a fixed dollar floor, and report months/years to payoff, total interest, and total paid |
 
 ### API / Network (51 tools)
 | Tool | Description |

package/dist/index.js

@@ -13533,5 +13533,149 @@ server.tool(
     return text(JSON.stringify(result, null, 2));
   }
 );
+var _CC_MIN_PAYMENT_MAX_MONTHS_MCP = 1200;
+function _calculateCreditCardMinimumPaymentMcp(balance, aprPercent, minPaymentPercent, minPaymentFloor) {
+  if (!Number.isFinite(balance) || balance <= 0) {
+    return { error: "balance must be a finite number greater than zero" };
+  }
+  if (!Number.isFinite(aprPercent) || aprPercent < 0) {
+    return { error: "aprPercent must be a finite, non-negative number" };
+  }
+  if (!Number.isFinite(minPaymentPercent) || minPaymentPercent <= 0) {
+    return { error: "minPaymentPercent must be a finite number greater than zero" };
+  }
+  if (!Number.isFinite(minPaymentFloor) || minPaymentFloor < 0) {
+    return { error: "minPaymentFloor must be a finite, non-negative number" };
+  }
+  const round2 = (n) => Math.round(n * 100) / 100;
+  const monthlyRate = aprPercent / 100 / 12;
+  let bal = balance;
+  let totalInterestPaid = 0;
+  let totalPaid = 0;
+  let firstMonthPayment = 0;
+  let finalMonthPayment = 0;
+  let month = 0;
+  while (bal > 5e-3 && month < _CC_MIN_PAYMENT_MAX_MONTHS_MCP) {
+    month++;
+    const interest = bal * monthlyRate;
+    bal += interest;
+    totalInterestPaid += interest;
+    let payment = Math.max(bal * (minPaymentPercent / 100), minPaymentFloor);
+    if (payment > bal) payment = bal;
+    bal -= payment;
+    totalPaid += payment;
+    finalMonthPayment = round2(payment);
+    if (month === 1) firstMonthPayment = round2(payment);
+  }
+  if (bal > 5e-3) {
+    return { error: `balance cannot be paid off within ${_CC_MIN_PAYMENT_MAX_MONTHS_MCP} months at this minimum-payment formula; increase minPaymentPercent or minPaymentFloor` };
+  }
+  return {
+    monthsToPayoff: month,
+    yearsToPayoff: round2(month / 12),
+    totalInterestPaid: round2(totalInterestPaid),
+    totalPaid: round2(totalPaid),
+    firstMonthPayment,
+    finalMonthPayment
+  };
+}
+server.tool(
+  "calculate_credit_card_minimum_payment",
+  `Simulate paying only the minimum payment on a revolving credit card balance every month, where the minimum payment is whichever is larger of a percent of the current balance or a fixed dollar floor. Reports months and years to payoff, total interest, total paid, and the first vs. final month's payment amount, so the "minimum payment trap" becomes visible.`,
+  {
+    balance: z.number().positive().describe("Current revolving balance owed"),
+    aprPercent: z.number().min(0).describe("Annual percentage rate, as a percent"),
+    minPaymentPercent: z.number().positive().describe("Minimum payment as a percent of the current balance, as a percent"),
+    minPaymentFloor: z.number().min(0).optional().describe("Fixed dollar floor for the minimum payment, default 0")
+  },
+  async ({ balance, aprPercent, minPaymentPercent, minPaymentFloor }) => {
+    const result = _calculateCreditCardMinimumPaymentMcp(balance, aprPercent, minPaymentPercent, minPaymentFloor ?? 0);
+    if ("error" in result) return errText(result);
+    return text(JSON.stringify(result, null, 2));
+  }
+);
+function _dashContextSnippetMcp(input, index, matchLen) {
+  const start = Math.max(0, index - 20);
+  const end = Math.min(input.length, index + matchLen + 20);
+  const body = input.slice(start, end).replace(/\s+/g, " ").trim();
+  return (start > 0 ? "\u2026" : "") + body + (end < input.length ? "\u2026" : "");
+}
+function _checkDashUsageMcp(input) {
+  const issues = [];
+  const enDashCount = (input.match(/–/g) ?? []).length;
+  const hyphenCount = (input.match(/-/g) ?? []).length;
+  const doubleHyphenMatches = [...input.matchAll(/-{2,}/g)];
+  for (const m of doubleHyphenMatches) {
+    const index = m.index ?? 0;
+    issues.push({
+      type: "double-hyphen",
+      index,
+      context: _dashContextSnippetMcp(input, index, m[0].length),
+      message: `Found ${m[0].length} consecutive hyphens ("${m[0]}"); likely meant to be an em dash (\u2014) or en dash (\u2013).`
+    });
+  }
+  const spacedHyphenMatches = [...input.matchAll(/(?<=\S) - (?=\S)/g)];
+  for (const m of spacedHyphenMatches) {
+    const index = m.index ?? 0;
+    issues.push({
+      type: "spaced-hyphen",
+      index,
+      context: _dashContextSnippetMcp(input, index, m[0].length),
+      message: "A hyphen surrounded by spaces usually signals an intended em dash (\u2014), not a hyphenated compound word."
+    });
+  }
+  const emDashOccurrences = [...input.matchAll(/—/g)];
+  let spacedEm = 0;
+  let unspacedEm = 0;
+  for (const m of emDashOccurrences) {
+    const idx = m.index ?? 0;
+    const before = input[idx - 1];
+    const after = input[idx + 1];
+    if (before === " " && after === " ") spacedEm++;
+    else if (before !== " " && after !== " ") unspacedEm++;
+  }
+  let dominantEmDashStyle = "none";
+  let emDashSpacingConsistent = true;
+  if (emDashOccurrences.length > 0) {
+    dominantEmDashStyle = spacedEm >= unspacedEm ? "spaced" : "unspaced";
+    emDashSpacingConsistent = spacedEm === 0 || unspacedEm === 0;
+    if (!emDashSpacingConsistent) {
+      for (const m of emDashOccurrences) {
+        const idx = m.index ?? 0;
+        const before = input[idx - 1];
+        const after = input[idx + 1];
+        const isSpaced = before === " " && after === " ";
+        const matchesDominant = dominantEmDashStyle === "spaced" ? isSpaced : !isSpaced;
+        if (!matchesDominant) {
+          issues.push({
+            type: "inconsistent-em-dash-spacing",
+            index: idx,
+            context: _dashContextSnippetMcp(input, idx, 1),
+            message: `This em dash is ${isSpaced ? "spaced" : "unspaced"}, but the document mostly uses ${dominantEmDashStyle} em dashes.`
+          });
+        }
+      }
+    }
+  }
+  issues.sort((a, b) => a.index - b.index);
+  return {
+    emDashCount: emDashOccurrences.length,
+    enDashCount,
+    hyphenCount,
+    doubleHyphenCount: doubleHyphenMatches.length,
+    spacedHyphenCount: spacedHyphenMatches.length,
+    emDashSpacingConsistent,
+    dominantEmDashStyle,
+    issues
+  };
+}
+server.tool(
+  "check_dash_usage",
+  'Scan text for likely dash misuse: a hyphen surrounded by spaces where an em dash is probably intended ("word - word"), a double hyphen ("--") left unconverted, and inconsistent spacing around em dashes across the same document (mixing "word \u2014 word" and "word\u2014word"). Pure regex heuristic, not a grammar parser.',
+  { text: z.string().describe("The text to scan for dash usage issues") },
+  async ({ text: input }) => {
+    return text(JSON.stringify(_checkDashUsageMcp(input), null, 2));
+  }
+);
 var transport = new StdioServerTransport();
 await server.connect(transport);

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@utilix-tech/mcp",
-  "version": "0.84.0",
+  "version": "0.85.0",
   "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",