# FreeToolHub Muse connector

From musedirectory.ai, the independent directory of Meta Muse connectors. Not affiliated with Meta.

## FreeToolHub

44 calculators for US taxes, business finance, and MCP server engineering.

- Record: https://musedirectory.ai/connector/freetoolhub
- Category: Finance & Bills
- Developer: cavan1977 (https://freetoolhub.org/mcp/)
- Muse status: Extra setup. Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
- Health: Working, 448ms, checked 2026-09-28T09:16:12Z
- Endpoint: https://freetoolhub.org/api/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-09-24T03:20:54Z)
- Source: Found in the official MCP Registry (io.github.cavan1977/freetoolhub) https://registry.modelcontextprotocol.io/v0/servers?search=io.github.cavan1977%2Ffreetoolhub

Calculators for self-employment tax, 1099 income, capital gains, payroll, mortgages, rental ROI, and business break-even. Also includes MCP server tools for context budgeting, security audits, and configuration generation.

Example request: "Calculate my quarterly estimated tax payments as a freelancer in California."

How to connect: Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use FreeToolHub to help me. It is a free service with an MCP server at https://freetoolhub.org/api/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.

Tools:
- calculate_se_tax: Calculate US self-employment tax (15.3%), QBI deduction, quarterly payments. Uses latest IRS brackets from CDN data.
- calculate_freelancer_tax: Complete freelancer tax: SE tax, QBI deduction, federal + state income tax. Returns quarterly payment. Uses latest CDN data.
- calculate_1099k_tax: Estimate tax on 1099-K income (reselling, gig work). SE tax, QBI, quarterly 1040-ES. Uses latest CDN data.
- calculate_capital_gains_tax: US capital gains tax on stock/crypto. Short vs long-term, NIIT 3.8%, state tax. Uses latest CDN LTCG brackets.
- compare_w2_vs_1099: Compare take-home pay: W-2 salary vs 1099 contractor rate. SE tax, FICA, standard deduction, state tax. Latest CDN data.
- get_sales_tax_rate: Get state sales tax rate for any US state. Returns base state rate + estimated local rate. Latest CDN data.
- calculate_payroll_tax: Calculate paycheck deductions: federal tax, Social Security, Medicare, state tax. All 50 states. Latest CDN data.
- calculate_estate_tax: Calculate federal estate tax. 2026 exemption $13.61M, 40% rate. Includes marital deduction.
- calculate_hsa_fsa_savings: Calculate tax savings from HSA and FSA contributions. Federal + FICA + state tax savings. Latest CDN limits.
- calculate_quarterly_tax: Calculate quarterly estimated tax payments (Form 1040-ES). SE tax + income tax divided by 4. Latest CDN data.
- check_economic_nexus: Check which US states you have economic nexus in for sales tax collection. Based on Wayfair ruling. Latest CDN thresholds.
- calculate_tariff: Estimate import duties and landed cost by HS code category. Covers US MFN + Section 301 tariffs.
- calculate_compound_interest: Compound interest with monthly contributions. Returns final balance, total interest, inflation-adjusted value. Uses latest CDN inflation rate.
- calculate_mortgage: Monthly mortgage payment (P&I) + property tax, insurance, PMI. Full PITI breakdown. Uses latest CDN mortgage rates for defaults.
- compare_401k_vs_roth: Compare 401(k) pre-tax vs Roth IRA post-tax. 30-year growth, tax drag, recommendation. Uses latest CDN contribution limits.
- calculate_car_loan: Monthly car payment, total interest, amortization. Includes sales tax, trade-in, down payment. Uses latest CDN sales tax rates.
- calculate_rental_roi: Rental property ROI: cap rate, cash-on-cash return, NOI, annual cash flow. Includes vacancy and management.
- calculate_student_loan: Student loan payoff: monthly payment, total interest, months saved with extra payments.
- calculate_roi: ROI, ROAS, net profit, CPA, CPC for marketing campaigns. Facebook, Google, TikTok ad analysis.
- calculate_life_insurance: Calculate life insurance needs using DIME method: Debt, Income, Mortgage, Education.
- calculate_rental_affordability: How much rent can you afford? 30% rule, DTI ratio, comfortable rent range.
- calculate_home_equity: Calculate home equity, max borrowable amount (HELOC), and monthly payments. LTV limits included.
- calculate_break_even: Break-even point: units to sell to cover fixed costs. Contribution margin, target profit analysis.
- compare_llc_cost: Compare LLC formation and maintenance costs across US states. 5-year total cost. Uses latest CDN LLC state fees data.
- calculate_dropship_profit: True dropshipping profit after product cost, platform fees, payment processing, ad spend. Uses latest CDN payment processor fees.
- calculate_reseller_profit: Compare real profit across reselling platforms (eBay, Poshmark, Mercari, etc.) after fees. Uses latest CDN platform fee data.
- calculate_freelancer_pricing: Turn hourly rate into project quote with overhead, profit margin, milestone splits.
- calculate_income_tax: US income tax for 2026: federal tax bracket by bracket, state tax, marginal vs effective rate. Uses latest IRS brackets from CDN data.
- calculate_tax_refund: Estimate US tax refund or balance due before filing: tax owed minus withholding minus credits, federal and state. NOT the IRS refund tracker.
- calculate_loan: Any fixed-rate loan: monthly payment, total interest, payoff time, and interest saved by extra monthly payments.
- calculate_retirement: Retirement projection in today's dollars: projected nest egg, sustainable income at your withdrawal rate, gap, and the monthly contribution that closes it.
- calculate_margin: Gross margin AND markup for the same deal, plus reverse pricing from a target margin or markup and the real margin cost of a discount.
- calculate_pay_raise: What a raise is actually worth after tax. Runs the real brackets before and after, so bracket crossings are handled — not a flat marginal rate applied to the raise.
- estimate_mcp_context_budget: Estimate how much of an LLM context window your MCP servers consume, and which tool definitions to cut first. Paste your MCP config. Returns per-server token cost, remaining budget, and ranked reduction advice.
- compress_tool_definitions: Shrink MCP tool descriptions and JSON schemas to cut context cost without changing how agents call them. Returns the compressed definitions plus exact token savings.
- score_mcp_server_trust: Score an MCP server A–F on trustworthiness and maintenance health, so you can choose between four servers that all claim to do the same thing. Supply what you know about the server.
- audit_mcp_server_security: Audit an MCP server against the OWASP MCP Top 10. Reports authentication, path traversal, command injection, secret exposure and supply-chain risk with a concrete remediation list.
- generate_mcp_server_card: Generate a SEP-1649 MCP Server Card (/.well-known/mcp/server-card.json) so crawlers and registries can discover your server without connecting to it.
- validate_mcp_server_card: Validate an MCP Server Card against SEP-1649 and report every missing or malformed field before you publish it. Checks structure (serverInfo, transport, capabilities, authentication) and format (semver version, http(s) transport URL, capabilities.tools entries), returning a full 
- advise_tool_portfolio: Too many MCP tools makes agents pick the wrong one. Given your tool list and usage, get keep / merge / remove recommendations to get under the 10–15 tool guideline.

Screening checks:
- MCP handshake: pass (Answered in 82ms)
- Domain against threat feeds (Cloudflare security DNS): pass (freetoolhub.org not flagged)
- Published packages against the OSV malicious-package database: n/a (No npm or PyPI package published)
- Hidden instructions or invisible characters in tool text: pass (44 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (No redirects off the domain)
- AI review of purpose and tool behavior: pass (No concerns)