# calcular_custo_total_veiculo_tco

Calcula o TCO (Total Cost of Ownership / Custo Total de Propriedade) de um veículo. Soma todos os custos anuais: depreciação (curva exponencial), IPVA, seguro, combustível, manutenção e financiamento. Revela o custo real além da parcela mensal. Calcula custo por km rodado e TCO acumulado no período de análise. Depreciação varia ano a ano (exponencial); demais custos são constantes por ano. Manutenção pode ser informada ou estimada automaticamente (4-7% do valor do veículo por ano).

Agent View of the PolicyLayer registry record for `calcular_custo_total_veiculo_tco`. HTML page: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-custo-total-veiculo-tco

## Facts

- Tool: `calcular_custo_total_veiculo_tco`
- Server: Contaí — Calculadoras Fiscais Brasileiras (`@contai-evoluke/mcp-server`) — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server.md
- Install: `npx -y @contai-evoluke/mcp-server`
- Homepage: https://github.com/lfhillesheim/calculadora
- Risk category: Read (Low risk)
- Registry record: grade B, identity unverified
- Server rate-limited: no
- Parameters: 11 (2 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `anosTco` | integer | no | Horizonte de análise do TCO em anos (1 a 10). Define o período total de custo calculado. Default: 5 |
| `kmAnuais` | integer | no | Quilômetros rodados por ano (1.000 a 200.000). Default: 15.000 km/ano |
| `tipoVeiculo` | string | yes | Tipo do veículo, que define a taxa de depreciação e manutenção estimada: "carro_popular" (depr 12%, manu 4%), "carro_medio" (depr 10%, manu 5%), "carro_premium" |
| `seguroAnualCents` | integer | no | Prêmio anual do seguro em centavos. Ex: R$ 3.000 → 300000. Default: 300000 (R$ 3.000) |
| `consumoKmPorLitro` | number | no | Consumo médio do veículo em km por litro (3 a 30). Ex: 12 = 12 km/L. Default: 12 |
| `valorVeiculoCents` | integer | yes | Valor de mercado atual do veículo em centavos. Ex: R$ 50.000 → 5000000 |
| `ipvaAliquotaPercent` | number | no | Alíquota do IPVA em % (0 a 5). Varia por estado: SP 4%, MG 4%, RJ 4%, outros 1-4%. Default: 2% |
| `manutencaoAnualCents` | integer | no | Manutenção anual em centavos (peças + mão de obra). Se omitido, usa estimativa padrão por tipo de veículo (4-7% do valor). Ex: R$ 2.000 → 200000 |
| `parcelaFinanciamentoCents` | integer | no | Parcela mensal de financiamento em centavos (0 se veículo quitado). Ex: R$ 800/mês → 80000. Default: 0 |
| `custosObrigatoriosAnuaisCents` | array | no | Custos obrigatórios anualizados (DPVAT, licenciamento, emplacamento, taxa de cadastro do financiamento, seguro prestamista, transferência de propriedade, outro) |
| `precoCombustivelCentsPorLitro` | integer | no | Preço do combustível por litro em centavos (máx. R$ 20,00 = 2000). Ex: R$ 6,00/L → 600. Default: 600 |

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": "calcular_custo_total_veiculo_tco",
    "arguments": {
      "tipoVeiculo": "<tipoVeiculo>",
      "valorVeiculoCents": 0
    }
  }
}
```

## Why calcular_custo_total_veiculo_tco is rated Low

This is a financial calculator/analyzer that takes vehicle parameters as input and returns computed metrics (annual costs, per-km cost, accumulated TCO). It retrieves or derives values through mathematical formulae but does not create, modify, delete data, execute external commands, or move money. The output is informational analysis only.

From the tool's own definition: "Tool performs calculation of vehicle total cost of ownership (TCO) by summing depreciatory, tax, insurance, fuel, maintenance, and financing costs. No description indicates modification, deletion, execution of external operations, or financial transactions."

Risk signals: High parameter count (14 properties)

## Use case

AI agents call calcular_custo_total_veiculo_tco to retrieve information from Contaí — Calculadoras Fiscais Brasileiras 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 Contaí — Calculadoras Fiscais Brasileiras:

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

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- …and 108 more: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server.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=io-github-lfhillesheim-contai-mcp-server · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-lfhillesheim-contai-mcp-server