college_savings
College Savings Calculator — Project the future cost of college with education inflation and the monthly contribution needed to fund it.
This record as markdown: /tools/com-wingmanprotocol-agent-gateway/college-savings.md
What college_savings does on Gateway
AI agents call college_savings to retrieve information from Gateway without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
| Parameter | Type | Required | Description |
|---|---|---|---|
current_savings | number | — | Amount already saved in USD |
years_in_college | integer | — | Number of years in college (default 4) |
investment_return | number | — | Expected annual return on savings as a PERCENT (default 6) |
education_inflation | number | — | Annual education inflation as a PERCENT (default 5) |
years_until_college | number | Yes | Years until college starts |
current_cost_per_year | number | Yes | Today's cost for one year of college in USD |
Parameters from the server's own tool schema.
Why college_savings is rated Low
This is a financial calculator that performs projections and computations based on inputs (education inflation rates, current costs, etc.) and returns calculated results. It does not create persistent records, execute external commands, modify data, delete anything, or move actual money. It is purely informational—similar to other calculators listed as siblings (annuity, amortization_schedule, bayes).
From the tool's definition Tool name 'college_savings' and description 'Project the future cost of college...and the monthly contribution needed to fund it' indicate a calculation and projection function.
Attacks that exploit this kind of access
The rule that runs college_savings safely
PolicyLayer is an MCP gateway: it sits between your AI agents and Gateway, and checks every tool call against a rule you set before the call runs. Nothing changes on the server itself. For college_savings, this is the rule to start with:
college_savings is read-only, so it stays allowed. Everything else on the server is denied unless you say otherwise.
The button opens the PolicyLayer dashboard: create your workspace, connect Gateway, apply this rule, and every college_savings call is checked against it from then on.
Questions about college_savings
College Savings Calculator — Project the future cost of college with education inflation and the monthly contribution needed to fund it. It is categorised as a Read tool in the Gateway MCP Server, which means it retrieves data without modifying state.
college_savings accepts 6 parameters: current_savings, years_in_college, investment_return, education_inflation, years_until_college, current_cost_per_year. Required: years_until_college, current_cost_per_year. The full parameter table on this page comes from the server's own tool schema.
Register the Gateway MCP server in PolicyLayer and add a rule for college_savings: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Gateway. Nothing to install.
college_savings is a Read tool with low risk. Read-only tools are generally safe to allow by default.
Yes. Add a rate_limit block to the college_savings rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.
Set action: deny in the PolicyLayer policy for college_savings. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.
college_savings is provided by the Gateway MCP server (https://wingmanprotocol.com/mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
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