Tollbooth

{
  "protocolVersion": "0.3.0",
  "name": "Tollbooth",
  "description": "56 verified pay-per-call calculators (tax, payroll, lending, real estate, retirement, investing, crypto/DeFi, commerce, business) for AI agents. Provenance + reproducible hash on every answer.",
  "url": "https://x402toll.com",
  "provenanceSpec": "https://x402toll.com/v1/spec",
  "version": "1.0.0",
  "provider": {
    "organization": "Tollbooth",
    "url": "https://x402toll.com"
  },
  "capabilities": {
    "streaming": false,
    "pushNotifications": false,
    "payments": {
      "protocol": "x402",
      "network": "eip155:8453",
      "asset": "USDC"
    }
  },
  "defaultInputModes": [
    "application/json"
  ],
  "defaultOutputModes": [
    "application/json"
  ],
  "skills": [
    {
      "id": "paycheck",
      "name": "paycheck",
      "description": "US net-paycheck breakdown for any of 51 jurisdictions: 2026 federal brackets, FICA (SS wage base $184,500, additional Medicare), and state income tax. Golden-vector verified.",
      "tags": [
        "payroll & tax",
        "paycheck",
        "breakdown",
        "jurisdictions",
        "2026",
        "federal",
        "brackets",
        "fica",
        "wage",
        "base",
        "184",
        "500"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/paycheck"
      }
    },
    {
      "id": "mortgage-affordability",
      "name": "mortgage-affordability",
      "description": "Self-employed mortgage affordability: 2-year income averaging with add-backs, the declining-income rule, front/back DTI limits, PMI-aware max-price solve.",
      "tags": [
        "real estate",
        "mortgage",
        "affordability",
        "self",
        "employed",
        "year",
        "income",
        "averaging",
        "add",
        "backs",
        "declining",
        "rule"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/mortgage-affordability"
      }
    },
    {
      "id": "llc-cost",
      "name": "llc-cost",
      "description": "LLC formation cost for any US state + DC: filing fee, annual/biennial report, franchise tax, publication requirements \u2014 Year-1 and 5-year totals from each state's own 2026 fee schedule.",
      "tags": [
        "business",
        "llc",
        "cost",
        "formation",
        "state",
        "filing",
        "fee",
        "annual",
        "biennial",
        "report",
        "franchise",
        "publication"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/llc-cost"
      }
    },
    {
      "id": "debt-plan",
      "name": "debt-plan",
      "description": "Full debt-payoff report: avalanche vs snowball simulated month-by-month with debt rollover \u2014 payoff order, debt-free month, total interest, and the exact gap between strategies.",
      "tags": [
        "lending",
        "debt",
        "plan",
        "full",
        "payoff",
        "report",
        "avalanche",
        "snowball",
        "simulated",
        "month",
        "rollover",
        "order"
      ],
      "x402": {
        "price": "$0.25",
        "url": "https://x402toll.com/v1/reports/debt-plan"
      }
    },
    {
      "id": "llc-50-state",
      "name": "llc-50-state",
      "description": "All 51 US jurisdictions ranked by true 5-year LLC cost \u2014 filing, reports, franchise taxes, publication requirements \u2014 with per-state notes.",
      "tags": [
        "business",
        "llc",
        "state",
        "jurisdictions",
        "ranked",
        "true",
        "year",
        "cost",
        "filing",
        "reports",
        "franchise",
        "taxes"
      ],
      "x402": {
        "price": "$0.50",
        "url": "https://x402toll.com/v1/reports/llc-50-state"
      }
    },
    {
      "id": "relocation-paycheck",
      "name": "relocation-paycheck",
      "description": "The same salary across all 51 US jurisdictions, ranked by net take-home \u2014 the relocation what-if in one call, with per-state tax detail and the best-to-worst annual spread.",
      "tags": [
        "payroll & tax",
        "relocation",
        "paycheck",
        "same",
        "salary",
        "across",
        "jurisdictions",
        "ranked",
        "take",
        "home",
        "what",
        "one"
      ],
      "x402": {
        "price": "$1.00",
        "url": "https://x402toll.com/v1/reports/relocation-paycheck"
      }
    },
    {
      "id": "crypto-tax-lot",
      "name": "crypto-tax-lot",
      "description": "Match a crypto sale against buy lots (FIFO / LIFO / HIFO), returning realized gain/loss split short- vs long-term (IRS >365-day rule) plus the remaining lots.",
      "tags": [
        "crypto & defi",
        "crypto",
        "lot",
        "match",
        "sale",
        "against",
        "buy",
        "lots",
        "fifo",
        "lifo",
        "hifo",
        "returning"
      ],
      "x402": {
        "price": "$0.25",
        "url": "https://x402toll.com/v1/crypto/tax-lots"
      }
    },
    {
      "id": "impermanent-loss",
      "name": "impermanent-loss",
      "description": "Impermanent loss for a 50/50 constant-product LP position vs simply holding, given the price change of the volatile asset.",
      "tags": [
        "crypto & defi",
        "impermanent",
        "loss",
        "constant",
        "product",
        "position",
        "simply",
        "holding",
        "given",
        "price",
        "change",
        "volatile"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/crypto/impermanent-loss"
      }
    },
    {
      "id": "apr-apy",
      "name": "apr-apy",
      "description": "Convert between APR and APY at any compounding frequency (or continuous).",
      "tags": [
        "crypto & defi",
        "apr",
        "apy",
        "convert",
        "between",
        "compounding",
        "frequency",
        "continuous"
      ],
      "x402": {
        "price": "$0.02",
        "url": "https://x402toll.com/v1/crypto/apr-apy"
      }
    },
    {
      "id": "liquidation-price",
      "name": "liquidation-price",
      "description": "Liquidation price for a leveraged long or short (isolated margin), plus the % move to liquidation.",
      "tags": [
        "crypto & defi",
        "liquidation",
        "price",
        "leveraged",
        "long",
        "short",
        "isolated",
        "margin",
        "plus",
        "move"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/crypto/liquidation-price"
      }
    },
    {
      "id": "yield-compare",
      "name": "yield-compare",
      "description": "Rank up to 10 stablecoin/yield options by projected return over a horizon at each stated APY.",
      "tags": [
        "crypto & defi",
        "yield",
        "compare",
        "rank",
        "stablecoin",
        "options",
        "projected",
        "return",
        "over",
        "horizon",
        "each",
        "stated"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/crypto/yield-compare"
      }
    },
    {
      "id": "self-employment-tax",
      "name": "self-employment-tax",
      "description": "Self-employment (SE) tax on Schedule C net profit \u2014 Social Security to the 2026 $184,500 wage base, Medicare, Additional Medicare, and the deductible half.",
      "tags": [
        "payroll & tax",
        "self",
        "employment",
        "schedule",
        "profit",
        "social",
        "security",
        "2026",
        "184",
        "500",
        "wage",
        "base"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/tax/self-employment"
      }
    },
    {
      "id": "estimated-tax",
      "name": "estimated-tax",
      "description": "Quarterly estimated-tax safe harbor (Form 1040-ES): the required annual payment and per-quarter amount to avoid an underpayment penalty.",
      "tags": [
        "payroll & tax",
        "estimated",
        "quarterly",
        "safe",
        "harbor",
        "form",
        "1040",
        "required",
        "annual",
        "payment",
        "quarter",
        "amount"
      ],
      "x402": {
        "price": "$0.10",
        "url": "https://x402toll.com/v1/tax/estimated"
      }
    },
    {
      "id": "capital-gains-tax",
      "name": "capital-gains-tax",
      "description": "Federal capital-gains tax: long-term stacked across the 2026 0%/15%/20% breakpoints, short-term at ordinary marginal rates, plus the 3.8% Net Investment Income Tax.",
      "tags": [
        "payroll & tax",
        "capital",
        "gains",
        "federal",
        "long",
        "term",
        "stacked",
        "across",
        "2026",
        "breakpoints",
        "short",
        "ordinary"
      ],
      "x402": {
        "price": "$0.10",
        "url": "https://x402toll.com/v1/tax/capital-gains"
      }
    },
    {
      "id": "401k-match",
      "name": "401k-match",
      "description": "401(k) contribution vs the 2026 limits (incl. age 50+ and 60\u201363 catch-ups) plus the employer match, capped at the \u00a7415(c) total.",
      "tags": [
        "retirement",
        "401k",
        "match",
        "401",
        "contribution",
        "2026",
        "limits",
        "incl",
        "age",
        "catch",
        "ups",
        "plus"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/retirement/401k"
      }
    },
    {
      "id": "ira-limits",
      "name": "ira-limits",
      "description": "2026 IRA / Roth contribution limit for your situation \u2014 including the Roth MAGI phase-out and traditional-deduction phase-out (if covered by a workplace plan).",
      "tags": [
        "retirement",
        "ira",
        "limits",
        "2026",
        "roth",
        "contribution",
        "limit",
        "your",
        "situation",
        "including",
        "magi",
        "phase"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/retirement/ira-limits"
      }
    },
    {
      "id": "margin-markup",
      "name": "margin-markup",
      "description": "Margin, markup, and profit from cost \u2014 give cost plus any one of price, target margin %, or markup %, and it solves the rest.",
      "tags": [
        "commerce",
        "margin",
        "markup",
        "profit",
        "from",
        "cost",
        "give",
        "plus",
        "one",
        "price",
        "target",
        "solves"
      ],
      "x402": {
        "price": "$0.02",
        "url": "https://x402toll.com/v1/commerce/margin"
      }
    },
    {
      "id": "discount",
      "name": "discount",
      "description": "Sale price after one or more stacked percentage discounts (applied sequentially, not summed) plus an optional flat amount off.",
      "tags": [
        "commerce",
        "discount",
        "sale",
        "price",
        "after",
        "one",
        "more",
        "stacked",
        "percentage",
        "discounts",
        "applied",
        "sequentially"
      ],
      "x402": {
        "price": "$0.02",
        "url": "https://x402toll.com/v1/commerce/discount"
      }
    },
    {
      "id": "tip-split",
      "name": "tip-split",
      "description": "Tip amount, total, and per-person split for a restaurant bill.",
      "tags": [
        "commerce",
        "tip",
        "split",
        "amount",
        "total",
        "person",
        "restaurant",
        "bill"
      ],
      "x402": {
        "price": "$0.01",
        "url": "https://x402toll.com/v1/commerce/tip-split"
      }
    },
    {
      "id": "break-even",
      "name": "break-even",
      "description": "Break-even units and revenue (CVP): where contribution margin covers fixed costs.",
      "tags": [
        "commerce",
        "break",
        "even",
        "units",
        "revenue",
        "cvp",
        "where",
        "contribution",
        "margin",
        "covers",
        "fixed",
        "costs"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/commerce/break-even"
      }
    },
    {
      "id": "order-total",
      "name": "order-total",
      "description": "Order total from subtotal, discount, tax rate, and shipping \u2014 tax excludes shipping by default (toggle with taxShipping).",
      "tags": [
        "commerce",
        "order",
        "total",
        "from",
        "subtotal",
        "discount",
        "rate",
        "shipping",
        "excludes",
        "default",
        "toggle",
        "taxshipping"
      ],
      "x402": {
        "price": "$0.02",
        "url": "https://x402toll.com/v1/commerce/order-total"
      }
    },
    {
      "id": "roi-roas",
      "name": "roi-roas",
      "description": "ROI %, ROAS, profit, and profit margin from revenue and cost (e.g. ad spend).",
      "tags": [
        "commerce",
        "roi",
        "roas",
        "profit",
        "margin",
        "from",
        "revenue",
        "cost",
        "spend"
      ],
      "x402": {
        "price": "$0.02",
        "url": "https://x402toll.com/v1/commerce/roi"
      }
    },
    {
      "id": "sales-tax",
      "name": "sales-tax",
      "description": "US sales tax \u2014 add or remove tax using the verified 2026 STATE base rate for any state + DC, plus an optional local rate. Flags gross-receipts states (HI/NM) and local-only states (AK).",
      "tags": [
        "commerce",
        "sales",
        "add",
        "remove",
        "using",
        "verified",
        "2026",
        "state",
        "base",
        "rate",
        "plus",
        "optional"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/commerce/sales-tax"
      }
    },
    {
      "id": "vat-gst",
      "name": "vat-gst",
      "description": "VAT / GST for 16 major economies (UK, EU, Australia, Canada, Japan, Singapore, UAE, India, and more) at the verified 2026 standard rate \u2014 add or remove.",
      "tags": [
        "commerce",
        "vat",
        "gst",
        "major",
        "economies",
        "australia",
        "canada",
        "japan",
        "singapore",
        "uae",
        "india",
        "more"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/commerce/vat-gst"
      }
    },
    {
      "id": "processor-fee",
      "name": "processor-fee",
      "description": "Payment-processor fee and net received for Stripe, PayPal, and Square at their verified 2026 standard US rates \u2014 or reverse gross-up (what to charge to net a target).",
      "tags": [
        "commerce",
        "processor",
        "fee",
        "payment",
        "received",
        "stripe",
        "paypal",
        "square",
        "their",
        "verified",
        "2026",
        "standard"
      ],
      "x402": {
        "price": "$0.02",
        "url": "https://x402toll.com/v1/commerce/processor-fee"
      }
    },
    {
      "id": "marketplace-fee",
      "name": "marketplace-fee",
      "description": "Seller fees and net payout for Amazon, eBay, and Etsy at their verified 2026 standard fee schedules (Amazon referral %, eBay final value fee, Etsy listing + transaction + processing).",
      "tags": [
        "commerce",
        "marketplace",
        "fee",
        "seller",
        "fees",
        "payout",
        "amazon",
        "ebay",
        "etsy",
        "their",
        "verified",
        "2026"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/commerce/marketplace-fee"
      }
    },
    {
      "id": "loan-amortization",
      "name": "loan-amortization",
      "description": "Amortized monthly payment, total interest, and a year-by-year balance schedule for any loan.",
      "tags": [
        "lending",
        "loan",
        "amortization",
        "amortized",
        "monthly",
        "payment",
        "total",
        "interest",
        "year",
        "balance",
        "schedule"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/lending/amortization"
      }
    },
    {
      "id": "mortgage-payment",
      "name": "mortgage-payment",
      "description": "Full monthly mortgage payment (PITI): principal & interest, property tax, insurance, PMI (auto when LTV > 80%), and HOA.",
      "tags": [
        "lending",
        "mortgage",
        "payment",
        "full",
        "monthly",
        "piti",
        "principal",
        "interest",
        "property",
        "insurance",
        "pmi",
        "auto"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/lending/mortgage-payment"
      }
    },
    {
      "id": "auto-loan",
      "name": "auto-loan",
      "description": "Auto-loan payment including state sales tax (verified 2026 rates), trade-in credit, down payment, and fees.",
      "tags": [
        "lending",
        "auto",
        "loan",
        "payment",
        "including",
        "state",
        "sales",
        "verified",
        "2026",
        "rates",
        "trade",
        "credit"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/lending/auto-loan"
      }
    },
    {
      "id": "refinance-breakeven",
      "name": "refinance-breakeven",
      "description": "Refinance analysis: new payment, monthly savings, months to break even on closing costs, and lifetime interest saved.",
      "tags": [
        "lending",
        "refinance",
        "breakeven",
        "analysis",
        "new",
        "payment",
        "monthly",
        "savings",
        "months",
        "break",
        "even",
        "closing"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/lending/refinance"
      }
    },
    {
      "id": "dti",
      "name": "dti",
      "description": "Debt-to-income ratio \u2014 front-end and back-end \u2014 with pass/fail against your (or the conventional 28/36) limits.",
      "tags": [
        "lending",
        "dti",
        "debt",
        "income",
        "ratio",
        "front",
        "end",
        "back",
        "pass",
        "fail",
        "against",
        "your"
      ],
      "x402": {
        "price": "$0.02",
        "url": "https://x402toll.com/v1/lending/dti"
      }
    },
    {
      "id": "extra-payment",
      "name": "extra-payment",
      "description": "How much time and interest an extra monthly payment saves on a loan.",
      "tags": [
        "lending",
        "extra",
        "payment",
        "how",
        "much",
        "time",
        "interest",
        "monthly",
        "saves",
        "loan"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/lending/extra-payment"
      }
    },
    {
      "id": "mortgage-points",
      "name": "mortgage-points",
      "description": "Whether buying discount points pays off: monthly savings from the rate buydown and the break-even month.",
      "tags": [
        "lending",
        "mortgage",
        "points",
        "whether",
        "buying",
        "discount",
        "pays",
        "off",
        "monthly",
        "savings",
        "from",
        "rate"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/lending/mortgage-points"
      }
    },
    {
      "id": "apr",
      "name": "apr",
      "description": "True APR (Reg Z / TILA) from the note rate plus financed fees \u2014 the real cost of borrowing.",
      "tags": [
        "lending",
        "apr",
        "true",
        "reg",
        "tila",
        "from",
        "note",
        "rate",
        "plus",
        "financed",
        "fees",
        "real"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/lending/apr"
      }
    },
    {
      "id": "heloc-payment",
      "name": "heloc-payment",
      "description": "HELOC payments: interest-only during the draw period and the amortizing payment when repayment begins (the payment jump).",
      "tags": [
        "lending",
        "heloc",
        "payment",
        "payments",
        "interest",
        "only",
        "during",
        "draw",
        "period",
        "amortizing",
        "when",
        "repayment"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/lending/heloc"
      }
    },
    {
      "id": "loan-comparison",
      "name": "loan-comparison",
      "description": "Compare 2\u20136 loan offers by true total cost (payments + fees) and rank them.",
      "tags": [
        "lending",
        "loan",
        "comparison",
        "compare",
        "offers",
        "true",
        "total",
        "cost",
        "payments",
        "fees",
        "rank",
        "them"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/lending/compare"
      }
    },
    {
      "id": "cap-rate",
      "name": "cap-rate",
      "description": "Rental property returns: cap rate (unleveraged), cash-on-cash (leveraged), gross rent multiplier, and the 1% rule.",
      "tags": [
        "real estate",
        "cap",
        "rate",
        "rental",
        "property",
        "returns",
        "unleveraged",
        "cash",
        "leveraged",
        "gross",
        "rent",
        "multiplier"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/realestate/cap-rate"
      }
    },
    {
      "id": "pmi",
      "name": "pmi",
      "description": "Monthly PMI cost and the month it auto-cancels (at 78% of original value, per the Homeowners Protection Act).",
      "tags": [
        "real estate",
        "pmi",
        "monthly",
        "cost",
        "month",
        "auto",
        "cancels",
        "original",
        "value",
        "homeowners",
        "protection",
        "act"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/realestate/pmi"
      }
    },
    {
      "id": "arm",
      "name": "arm",
      "description": "Adjustable-rate mortgage payment shock: the payment before and after the first reset, and the increase.",
      "tags": [
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    },
    {
      "id": "home-affordability",
      "name": "home-affordability",
      "description": "Max home price a W-2 buyer can afford from income and debts, using front/back DTI limits and a PMI-aware price solve.",
      "tags": [
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        "home",
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    },
    {
      "id": "rent-vs-buy",
      "name": "rent-vs-buy",
      "description": "Rent vs buy over a horizon: year-by-year renting cost vs net cost of owning (crediting equity + appreciation, net of selling costs), with the break-even year.",
      "tags": [
        "real estate",
        "rent",
        "buy",
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        "appreciation"
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    },
    {
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      "name": "federal-income-tax",
      "description": "Federal income tax on ordinary income for 2026: AGI from gross minus above-the-line adjustments, standard or itemized deduction, the 2026 brackets, and a flat nonrefundable credit amount. Distinct from /v1/paycheck (which nets FICA + state per pay period).",
      "tags": [
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    },
    {
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      "name": "state-income-tax",
      "description": "Standalone 2026 state income tax for any of 51 US jurisdictions \u2014 progressive/flat/no-tax schedules, MFJ doubling \u2014 applied to the income you provide.",
      "tags": [
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        "state",
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    },
    {
      "id": "bonus-tax",
      "name": "bonus-tax",
      "description": "Withholding and net take-home on a bonus/commission using the 2026 federal supplemental-wage rate (22% flat; 37% on cumulative supplemental wages over $1M), plus FICA and an optional state supplemental rate.",
      "tags": [
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        "federal",
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        "wage",
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    },
    {
      "id": "overtime-pay",
      "name": "overtime-pay",
      "description": "FLSA overtime pay: regular and overtime hours, the overtime rate, and gross pay for a week \u2014 federal 1.5\u00d7 over 40 hours by default, any threshold/multiplier configurable.",
      "tags": [
        "payroll & tax",
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        "regular",
        "hours",
        "rate",
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        "week",
        "federal",
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        "url": "https://x402toll.com/v1/tax/overtime"
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    },
    {
      "id": "1099-vs-w2",
      "name": "1099-vs-w2",
      "description": "Take-home comparison of the same pay as a W-2 employee vs a 1099 contractor \u2014 employee FICA vs self-employment tax (with the half-SE deduction) \u2014 and the higher contractor rate needed to match.",
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        "payroll & tax",
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        "employee",
        "contractor",
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        "self",
        "employment"
      ],
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        "price": "$0.10",
        "url": "https://x402toll.com/v1/tax/1099-vs-w2"
      }
    },
    {
      "id": "rmd",
      "name": "rmd",
      "description": "Required Minimum Distribution from a traditional IRA/401(k) using the IRS Uniform Lifetime Table \u2014 the amount you must withdraw at your age, given the prior year-end balance. RMDs begin at 73 (SECURE 2.0).",
      "tags": [
        "retirement",
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        "distribution",
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        "401",
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        "irs",
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    },
    {
      "id": "roth-conversion",
      "name": "roth-conversion",
      "description": "Federal tax cost of a Roth conversion in one year: the extra income tax from stacking the converted amount on top of your other taxable income, with the marginal rate before and after.",
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        "roth",
        "conversion",
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    },
    {
      "id": "social-security",
      "name": "social-security",
      "description": "Social Security monthly benefit estimate from your AIME: the 2026 PIA bend-point formula plus the claim-age adjustment (62 pays 70%, FRA 67 pays 100%, 70 pays 124%).",
      "tags": [
        "retirement",
        "social",
        "security",
        "monthly",
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      "x402": {
        "price": "$0.25",
        "url": "https://x402toll.com/v1/retirement/social-security"
      }
    },
    {
      "id": "hsa-fsa",
      "name": "hsa-fsa",
      "description": "2026 HSA or health-FSA contribution limit and income-tax savings \u2014 HSA self/family limits + age-55 catch-up + HDHP deductible/OOP bounds, or the FSA salary-reduction limit + carryover.",
      "tags": [
        "retirement",
        "hsa",
        "fsa",
        "2026",
        "health",
        "contribution",
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        "income",
        "savings",
        "self",
        "family",
        "limits"
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      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/retirement/hsa-fsa"
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    },
    {
      "id": "npv-irr",
      "name": "npv-irr",
      "description": "Net present value and internal rate of return for a cash-flow series (index 0 = today, usually a negative outlay), plus the profitability index and an accept/reject call.",
      "tags": [
        "investing",
        "npv",
        "irr",
        "present",
        "value",
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        "rate",
        "return",
        "cash",
        "flow",
        "series",
        "index"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/investing/npv-irr"
      }
    },
    {
      "id": "bond-yield",
      "name": "bond-yield",
      "description": "Bond current yield and yield-to-maturity from face value, coupon, market price, and maturity \u2014 with the premium/discount/par classification.",
      "tags": [
        "investing",
        "bond",
        "yield",
        "current",
        "maturity",
        "from",
        "face",
        "value",
        "coupon",
        "market",
        "price",
        "premium"
      ],
      "x402": {
        "price": "$0.05",
        "url": "https://x402toll.com/v1/investing/bond-yield"
      }
    },
    {
      "id": "s-corp-salary",
      "name": "s-corp-salary",
      "description": "S-corp reasonable-salary employment-tax saving: SE tax a sole proprietor pays on all profit vs FICA an S-corp pays on just the salary, with the distribution that escapes self-employment tax.",
      "tags": [
        "business",
        "corp",
        "salary",
        "reasonable",
        "employment",
        "saving",
        "sole",
        "proprietor",
        "pays",
        "profit",
        "fica",
        "just"
      ],
      "x402": {
        "price": "$0.10",
        "url": "https://x402toll.com/v1/business/s-corp-salary"
      }
    },
    {
      "id": "entity-tax-compare",
      "name": "entity-tax-compare",
      "description": "Total 2026 federal tax as a sole proprietor / LLC vs S-corp vs C-corp for the same profit \u2014 SE tax vs FICA vs 21% corporate tax with qualified-dividend double taxation \u2014 ranked to the lowest.",
      "tags": [
        "business",
        "entity",
        "compare",
        "total",
        "2026",
        "federal",
        "sole",
        "proprietor",
        "llc",
        "corp",
        "same",
        "profit"
      ],
      "x402": {
        "price": "$0.10",
        "url": "https://x402toll.com/v1/business/entity-compare"
      }
    },
    {
      "id": "tax-estimate-report",
      "name": "tax-estimate-report",
      "description": "Full 2026 tax estimate in one call: federal income tax + self-employment tax + employee FICA + state income tax, from wages, self-employment income, and other income \u2014 with the component breakdown, effective and marginal rates, and after-tax income.",
      "tags": [
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        "estimate",
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        "2026",
        "one",
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        "federal",
        "income",
        "self",
        "employment",
        "employee"
      ],
      "x402": {
        "price": "$1.00",
        "url": "https://x402toll.com/v1/reports/tax-estimate"
      }
    },
    {
      "id": "retirement-readiness",
      "name": "retirement-readiness",
      "description": "Retirement-readiness projection: your savings grown to retirement age, the nest egg the 4%-rule requires for your target income, the surplus or gap, and the extra monthly contribution to close it.",
      "tags": [
        "retirement",
        "readiness",
        "projection",
        "your",
        "savings",
        "grown",
        "age",
        "nest",
        "egg",
        "rule",
        "requires",
        "target"
      ],
      "x402": {
        "price": "$1.00",
        "url": "https://x402toll.com/v1/reports/retirement-readiness"
      }
    }
  ]
}