# x402toll.com

> Tollbooth — 59 verified tax, finance, lending, real-estate, retirement, investing, crypto and business calculators for AI agents, paid per call in USDC on Base mainnet (no account, no API key; $0.01–$1.00 per call via the Coinbase CDP facilitator). Every answer ships a formula/method trace, cited sources with a 2026 data-vintage stamp, and a reproducible SHA-256 hash over the RFC 8785 (JCS) canonical fixed point {endpoint, inputs, result, method, dataVintage} that any client re-derives for free with POST /v1/verify-hash — recompute the math instead of trusting the server. Free golden-vector self-checks at /v1/golden/:id publish expected inputs, results, and hashes. Optional paid tier: Ed25519-signed audit-grade Verification Receipt (POST /v1/receipt/:id — $1 per call, $5 per report; a norm

- **Domain**: `x402toll.com`
- **Provider**: x402toll.com (https://x402toll.com)
- **A2A protocol version**: 0.3.0
- **Kind**: paid_api
- **Category**: finance
- **Live-responds (last probe)**: None
- **Signed card**: False
- **Streaming**: False
- **Quality score**: 0%
- **Payment protocol**: x402 · network `eip155:8453` · ≥ $0.01
- **Wallet**: `0x1c9923489cd7d75dd2f6735c48090b8bd4c7e5a9`

## Skills
- **paycheck** — 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-ve
- **mortgage-affordability** — Self-employed mortgage affordability: 2-year income averaging with add-backs, the declining-income rule, front/back DTI limits, PMI-aware max-price solve.
- **llc-cost** — LLC formation cost for any US state + DC: filing fee, annual/biennial report, franchise tax, publication requirements — Year-1 and 5-year totals from each state
- **debt-plan** — Full debt-payoff report: avalanche vs snowball simulated month-by-month with debt rollover — payoff order, debt-free month, total interest, and the exact gap be
- **llc-50-state** — All 51 US jurisdictions ranked by true 5-year LLC cost — filing, reports, franchise taxes, publication requirements — with per-state notes.
- **relocation-paycheck** — The same salary across all 51 US jurisdictions, ranked by net take-home — the relocation what-if in one call, with per-state tax detail and the best-to-worst an
- **crypto-tax-lot** — 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.
- **impermanent-loss** — Impermanent loss for a 50/50 constant-product LP position vs simply holding, given the price change of the volatile asset.
- **apr-apy** — Convert between APR and APY at any compounding frequency (or continuous).
- **liquidation-price** — Liquidation price for a leveraged long or short (isolated margin), plus the % move to liquidation.
- **yield-compare** — Rank up to 10 stablecoin/yield options by projected return over a horizon at each stated APY.
- **self-employment-tax** — Self-employment (SE) tax on Schedule C net profit — Social Security to the 2026 $184,500 wage base, Medicare, Additional Medicare, and the deductible half.
- **estimated-tax** — Quarterly estimated-tax safe harbor (Form 1040-ES): the required annual payment and per-quarter amount to avoid an underpayment penalty.
- **capital-gains-tax** — 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 
- **401k-match** — 401(k) contribution vs the 2026 limits (incl. age 50+ and 60–63 catch-ups) plus the employer match, capped at the §415(c) total.
- **ira-limits** — 2026 IRA / Roth contribution limit for your situation — including the Roth MAGI phase-out and traditional-deduction phase-out (if covered by a workplace plan).
- **margin-markup** — Margin, markup, and profit from cost — give cost plus any one of price, target margin %, or markup %, and it solves the rest.
- **discount** — Sale price after one or more stacked percentage discounts (applied sequentially, not summed) plus an optional flat amount off.
- **tip-split** — Tip amount, total, and per-person split for a restaurant bill.
- **break-even** — Break-even units and revenue (CVP): where contribution margin covers fixed costs.
- **order-total** — Order total from subtotal, discount, tax rate, and shipping — tax excludes shipping by default (toggle with taxShipping).
- **roi-roas** — ROI %, ROAS, profit, and profit margin from revenue and cost (e.g. ad spend).
- **sales-tax** — US sales tax — 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) an
- **vat-gst** — VAT / GST for 16 major economies (UK, EU, Australia, Canada, Japan, Singapore, UAE, India, and more) at the verified 2026 standard rate — add or remove.
- **processor-fee** — Payment-processor fee and net received for Stripe, PayPal, and Square at their verified 2026 standard US rates — or reverse gross-up (what to charge to net a ta
- **marketplace-fee** — 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 + tra
- **loan-amortization** — Amortized monthly payment, total interest, and a year-by-year balance schedule for any loan.
- **mortgage-payment** — Full monthly mortgage payment (PITI): principal & interest, property tax, insurance, PMI (auto when LTV > 80%), and HOA.
- **auto-loan** — Auto-loan payment including state sales tax (verified 2026 rates), trade-in credit, down payment, and fees.
- **refinance-breakeven** — Refinance analysis: new payment, monthly savings, months to break even on closing costs, and lifetime interest saved.
- **dti** — Debt-to-income ratio — front-end and back-end — with pass/fail against your (or the conventional 28/36) limits.
- **extra-payment** — How much time and interest an extra monthly payment saves on a loan.
- **mortgage-points** — Whether buying discount points pays off: monthly savings from the rate buydown and the break-even month.
- **apr** — True APR (Reg Z / TILA) from the note rate plus financed fees — the real cost of borrowing.
- **heloc-payment** — HELOC payments: interest-only during the draw period and the amortizing payment when repayment begins (the payment jump).
- **loan-comparison** — Compare 2–6 loan offers by true total cost (payments + fees) and rank them.
- **cap-rate** — Rental property returns: cap rate (unleveraged), cash-on-cash (leveraged), gross rent multiplier, and the 1% rule.
- **pmi** — Monthly PMI cost and the month it auto-cancels (at 78% of original value, per the Homeowners Protection Act).
- **arm** — Adjustable-rate mortgage payment shock: the payment before and after the first reset, and the increase.
- **home-affordability** — Max home price a W-2 buyer can afford from income and debts, using front/back DTI limits and a PMI-aware price solve.
- **rent-vs-buy** — 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.
- **federal-income-tax** — 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 n
- **state-income-tax** — Standalone 2026 state income tax for any of 51 US jurisdictions — progressive/flat/no-tax schedules, MFJ doubling — applied to the income you provide.
- **bonus-tax** — 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), plu
- **overtime-pay** — FLSA overtime pay: regular and overtime hours, the overtime rate, and gross pay for a week — federal 1.5× over 40 hours by default, any threshold/multiplier con
- **1099-vs-w2** — Take-home comparison of the same pay as a W-2 employee vs a 1099 contractor — employee FICA vs self-employment tax (with the half-SE deduction) — and the higher
- **rmd** — Required Minimum Distribution from a traditional IRA/401(k) using the IRS Uniform Lifetime Table — the amount you must withdraw at your age, given the prior yea
- **roth-conversion** — 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 margina
- **social-security** — 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 1
- **hsa-fsa** — 2026 HSA or health-FSA contribution limit and income-tax savings — HSA self/family limits + age-55 catch-up + HDHP deductible/OOP bounds, or the FSA salary-redu

## URLs
- Agent card: https://x402toll.com/.well-known/agent-card.json
- Page (HTML): https://agenstry.com/agents/x402toll.com
- Documentation: https://x402toll.com