# calcular_holding_vs_inventario

Compara o custo de abertura e manutenção de uma holding familiar com o custo estimado de inventário judicial/extrajudicial no futuro. Calcula ITCMD por UF, honorários, ponto de virada patrimonial e economia líquida. Retorna se a holding compensa no horizonte informado e em quantos anos o custo acumulado da holding iguala o custo do inventário.

Agent View of the PolicyLayer registry record for `calcular_holding_vs_inventario`. HTML page: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-holding-vs-inventario

## Facts

- Tool: `calcular_holding_vs_inventario`
- 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: 8 (5 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `anosPrazo` | integer | yes | Horizonte de planejamento em anos (por quanto tempo a holding ficará ativa). |
| `ufContribuinte` | string | yes | Sigla do estado onde o inventário seria processado (ex: "SP", "RJ", "MG"). Define a alíquota de ITCMD. |
| `numeroHerdeiros` | integer | yes | Número de herdeiros. Afeta a complexidade e o custo estimado do inventário. |
| `patrimonioTotalCents` | integer | yes | Patrimônio total a transferir ou proteger via holding, em centavos. |
| `custoAnualHoldingCents` | integer | yes | Custo anual de manutenção da holding em centavos (contabilidade + compliance). Ex: R$ 6.000/ano → 600000. |
| `custoSetupHoldingCents` | integer | no | Custo único de abertura da holding em centavos. Padrão: R$ 5.000 (registro + advogado + capital social). |
| `honorariosInventarioPct` | number | no | Percentual de honorários sobre o patrimônio para inventário (%). Padrão: 10% (advocatícios + cartório + IRPF). |
| `taxaDescontoAnualPercent` | number | no | Taxa de desconto real anual (%) para análise VPL. Quando > 0, compara custos a valor presente (inventário no fim do horizonte vs manutenção da holding descontad |

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_holding_vs_inventario",
    "arguments": {
      "anosPrazo": 0,
      "ufContribuinte": "<ufContribuinte>",
      "numeroHerdeiros": 0,
      "patrimonioTotalCents": 0,
      "custoAnualHoldingCents": 0
    }
  }
}
```

## Why calcular_holding_vs_inventario is rated Low

This is a calculator/analyzer that performs read-only financial computations and returns results to inform decision-making. It does not execute financial transactions, commit obligations, create/modify records, or delete data. The tool compares scenarios and returns analysis, which is characteristic of Read category.

From the tool's own definition: "Tool performs financial calculations and comparisons (ITCMD, honorários, custo acumulado) but explicitly 'Compara o custo' and 'Retorna se a holding compensa' — it retrieves and presents analyzed data with no side effects, no transactions, and no…"

## Use case

AI agents call calcular_holding_vs_inventario 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_holding_vs_inventario": {}
  }
}
```

## Other tools on Contaí — Calculadoras Fiscais Brasileiras (138)

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- `calcular_consultoria_pj_saude_financeira` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consultoria-pj-saude-financeira.md
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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