Compara consórcio (sem juros, taxa adm diluída, contemplação por sorteio/lance) vs financiamento (parcelas com juros, recebe na hora). Mostra parcela mensal de cada, total pago, mês de contemplação do consórcio, e quem economiza. Considera o trade-off: consórcio é mais barato mas demora pra ter o...
AI agents call calcular_consorcio_vs_financiamento to retrieve information from Contaí — Calculadoras Fiscais Brasileiras without modifying anything — typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
| Parameter | Type | Required | Description |
|---|---|---|---|
prazoMeses | integer | Yes | Prazo total em meses (consórcio = financiamento, comparação justa) |
valorBemCents | integer | Yes | Valor do bem (carro, moto, imóvel) em centavos |
taxaAdmTotalPercent | number | — | Taxa de administração TOTAL do consórcio (%) — diluída em todas as parcelas. Default 20%. |
mesContemplacaoConsorcio | integer | — | Mês em que vai ser contemplado (sorteio/lance). Default = metade do prazo (estimativa otimista). |
taxaMensalFinanciamentoPercent | number | — | Taxa mensal do financiamento (%). Default ~1.2% = ~15% a.a. |
Parameters from the server's own tool schema.
This is a financial calculator and comparison tool that retrieves or derives information to support consumer decision-making. It does not execute financial transactions, create financial obligations, transfer funds, or have destructive side effects. The tool operates entirely in the computational/informational domain, analyzing scenarios without committing to or executing any financial actions.
From the tool's definition The tool performs comparative financial calculations and analysis ('Compara consórcio vs financiamento', 'Mostra parcela mensal', 'quem economiza') with no ability to execute transactions, create accounts, move money, or modify financial records.
Attacks that exploit this kind of access
Compara consórcio (sem juros, taxa adm diluída, contemplação por sorteio/lance) vs financiamento (parcelas com juros, recebe na hora). Mostra parcela mensal de cada, total pago, mês de contemplação do consórcio, e quem economiza. Considera o trade-off: consórcio é mais barato mas demora pra ter o bem. Útil pra decidir compra de carro/imóvel sem cash. Fonte: Lei 11.795/2008 (consórcio) + matemática financeira (Price/SAC). It is categorised as a Read tool in the Contaí — Calculadoras Fiscais Brasileiras MCP Server, which means it retrieves data without modifying state.
calcular_consorcio_vs_financiamento accepts 5 parameters: prazoMeses, valorBemCents, taxaAdmTotalPercent, mesContemplacaoConsorcio, taxaMensalFinanciamentoPercent. Required: prazoMeses, valorBemCents. The full parameter table on this page comes from the server's own tool schema.
Register the Contaí — Calculadoras Fiscais Brasileiras MCP server in PolicyLayer and add a rule for calcular_consorcio_vs_financiamento: 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 Contaí — Calculadoras Fiscais Brasileiras. Nothing to install.
calcular_consorcio_vs_financiamento 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 calcular_consorcio_vs_financiamento 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 calcular_consorcio_vs_financiamento. 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.
calcular_consorcio_vs_financiamento is provided by the Contaí — Calculadoras Fiscais Brasileiras MCP server (@contai-evoluke/mcp-server). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
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