# calculate_come_cotas

Calcula quanto o come-cotas (antecipação semestral de IR dos fundos abertos) custa contra um CDB de mesma taxa que só paga imposto no resgate. Prazo mínimo de 25 meses, onde as alíquotas finais coincidem e sobra só o efeito do timing. Parâmetros obrigatórios: principal, months. Opcionais: annual_rate, longo_prazo. Use exatamente estes nomes, em inglês.

Agent View of the PolicyLayer registry record for `calculate_come_cotas`. HTML page: https://policylayer.com/tools/com-falazuki-finance-br/calculate-come-cotas

## Facts

- Tool: `calculate_come_cotas`
- Server: FalaZuki Finance BR (`https://mcp.falazuki.com/mcp`) — https://policylayer.com/tools/com-falazuki-finance-br.md
- Homepage: https://github.com/https://mcp.falazuki.com/mcp
- Risk category: Read (Low risk)
- Registry record: grade F, identity unverified
- Server auth posture: open
- Server CORS policy: *
- Server rate-limited: no
- Parameters: 4 (2 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `months` | integer | yes | Prazo em meses (mínimo 25) |
| `principal` | number | yes | Valor investido em R$ |
| `annual_rate` | number | no | Taxa anual em %, igual no fundo e no CDB da comparação |
| `longo_prazo` | boolean | no | Fundo de longo prazo (come-cotas de 15%) ou curto (20%) |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "calculate_come_cotas",
    "arguments": {
      "months": 0,
      "principal": 0
    }
  }
}
```

## Why calculate_come_cotas is rated Low

Even though calculate_come_cotas only reads data, uncontrolled read access leaks sensitive information and racks up API costs: an agent caught in a retry loop can make thousands of calls a minute without anyone noticing.

## Use case

AI agents call calculate_come_cotas to retrieve information from FalaZuki Finance BR without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

## Recommended policy (PolicyLayer)

Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches FalaZuki Finance BR:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "calculate_come_cotas": {}
  }
}
```

## Other tools on FalaZuki Finance BR (113)

- `calculate_vacation_pay` — Financial — https://policylayer.com/tools/com-falazuki-finance-br/calculate-vacation-pay.md
- `advise_investment` — Read — https://policylayer.com/tools/com-falazuki-finance-br/advise-investment.md
- `advise_tax_regime` — Read — https://policylayer.com/tools/com-falazuki-finance-br/advise-tax-regime.md
- `calculate_acordo_divida` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-acordo-divida.md
- `calculate_adicional_noturno` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-adicional-noturno.md
- `calculate_annual_salary` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-annual-salary.md
- `calculate_antecipacao_fgts` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-antecipacao-fgts.md
- `calculate_average_price` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-average-price.md
- `calculate_aviso_previo` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-aviso-previo.md
- `calculate_break_even` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-break-even.md
- `calculate_budget` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-budget.md
- `calculate_car_affordability` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-car-affordability.md
- `calculate_car_ownership_cost` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-car-ownership-cost.md
- `calculate_card_machine_fee` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-card-machine-fee.md
- `calculate_carne_leao` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-carne-leao.md
- `calculate_cdi_yield` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-cdi-yield.md
- `calculate_cet` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-cet.md
- `calculate_compound_interest` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-compound-interest.md
- `calculate_consorcio` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-consorcio.md
- `calculate_credit_card_interest` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-credit-card-interest.md
- `calculate_custo_demissao` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-custo-demissao.md
- `calculate_darf` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-darf.md
- `calculate_debt_payoff` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-debt-payoff.md
- `calculate_dias_uteis` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-dias-uteis.md
- `calculate_discount` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-discount.md
- `calculate_dividend_income_goal` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-dividend-income-goal.md
- `calculate_dividend_yield` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-dividend-yield.md
- `calculate_emergency_fund` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-emergency-fund.md
- `calculate_employee_cost` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-employee-cost.md
- `calculate_energy_consumption` — Read — https://policylayer.com/tools/com-falazuki-finance-br/calculate-energy-consumption.md
- …and 83 more: https://policylayer.com/tools/com-falazuki-finance-br.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=com-falazuki-finance-br · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/com-falazuki-finance-br