mortgage_calculator
Monthly mortgage payment including optional down payment, property tax and insurance (PITI). Runs on smart-tools.xyz.
This record as markdown: /tools/io-github-9thshini-smart-tools/mortgage-calculator.md
What mortgage_calculator does on SmartTools
AI agents invoke mortgage_calculator to trigger actions in SmartTools. What it does depends on the arguments the agent supplies, and its effects often reach beyond the immediate call: builds kicked off, notifications sent, workflows started.
| Parameter | Type | Required | Description |
|---|---|---|---|
years | number | string | Yes | Term in years |
locale | string | — | Language for the source_url link (default en) |
annual_tax | number | string | — | Annual property tax (default 0) |
home_price | number | string | Yes | Property price |
annual_rate | number | string | Yes | Annual interest rate, percent |
annual_insurance | number | string | — | Annual insurance (default 0) |
down_payment_pct | number | string | — | Down payment, percent (default 0) |
Parameters from the server's own tool schema.
Why mortgage_calculator is rated High
mortgage_calculator triggers real processes with real consequences. An agent gone sideways doesn't fire it once. It starts dozens of builds, sends mass notifications, or burns through compute before anyone looks up.
Attacks that exploit this kind of access
The rule that runs mortgage_calculator safely
PolicyLayer is an MCP gateway: it sits between your AI agents and SmartTools, and checks every tool call against a rule you set before the call runs. Nothing changes on the server itself. For mortgage_calculator, this is the rule to start with:
mortgage_calculator stays usable, but rate-capped: a runaway agent can't fire it dozens of times a minute. Everything else on the server is denied unless you say otherwise.
The button opens the PolicyLayer dashboard: create your workspace, connect SmartTools, apply this rule, and every mortgage_calculator call is checked against it from then on.
Questions about mortgage_calculator
Monthly mortgage payment including optional down payment, property tax and insurance (PITI). Runs on smart-tools.xyz. It is categorised as a Execute tool in the SmartTools MCP Server, which means it can trigger actions or run processes. Use rate limits and argument validation.
mortgage_calculator accepts 7 parameters: years, locale, annual_tax, home_price, annual_rate, annual_insurance, down_payment_pct. Required: years, home_price, annual_rate. The full parameter table on this page comes from the server's own tool schema.
Register the SmartTools MCP server in PolicyLayer and add a rule for mortgage_calculator: 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 SmartTools. Nothing to install.
mortgage_calculator is a Execute tool with high risk. Execute tools should be rate-limited and have argument validation enabled.
Yes. Add a rate_limit block to the mortgage_calculator 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 mortgage_calculator. 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.
mortgage_calculator is provided by the SmartTools MCP server (https://smart-tools.xyz/mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
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