无账户个人理财情景模拟器

以种子化蒙特卡洛模拟 30 年净资产：2026 美国税级、FICA、401(k) 匹配利用率、Roth 转换阶梯、买房 vs 租房平衡点与再融资测算——无需注册，数据不出本次会话。

html· HTML 结果打开工具

快速开始

用三种语言从你的代码中调用此工具。

cURL

curl -X POST 'https://api.elysiatools.com/zh/api/tools/personal-finance-what-if-simulator-no-account-required-tax-loan-rent-savings' \
  -H 'Content-Type: application/json' \
  -d '{"age":32,"filingStatus":"single","annualGrossIncome":85000,"stateTaxPct":5,"monthlyExpenses":3200,"monthlyRent":1800,"loanBalance":0,"loanApr":6.5,"loanYearsLeft":0,"portfolioBalance":15000,"stockAllocationPct":80,"k401Pct":10,"employerMatchPct":50,"matchCapPct":6,"iraAnnual":0,"hsaAnnual":0,"scenario":"none","scenarioYear":3,"scenarioMagnitudePct":10,"mcTrials":1000,"randomSeed":42}'

API 参考

以 JSON 形式 POST 提交输入参数。文件类型参数需先单独上传。

请求端点

HTTP

POST https://api.elysiatools.com/zh/api/tools/personal-finance-what-if-simulator-no-account-required-tax-loan-rent-savings

请求参数

参数名	类型	必填	说明
age	number	是	—
filingStatus	select	是	—
annualGrossIncome	number	是	—
stateTaxPct	number	否	—
monthlyExpenses	number	是	—
monthlyRent	number	是	—
loanBalance	number	否	—
loanApr	number	否	—
loanYearsLeft	number	否	—
portfolioBalance	number	是	—
stockAllocationPct	number	否	—
k401Pct	number	否	—
employerMatchPct	number	否	—
matchCapPct	number	否	—
iraAnnual	number	否	—
hsaAnnual	number	否	—
scenario	select	否	—
scenarioYear	number	否	—
scenarioMagnitudePct	number	否	—
mcTrials	number	否	—
randomSeed	number	否	—

响应格式

HTML 结果

JSON

{
  "result": "<div>Processed HTML content</div>",
  "error": "Error message (optional)",
  "message": "Notification message (optional)",
  "metadata": {
    "key": "value"
  }
}

MCP 集成

将此工具加入你的 Model Context Protocol 服务，让 AI 智能体可以列出并调用它。

服务配置

将以下内容加入你的 MCP 客户端配置：

mcp.json

{
  "mcpServers": {
    "elysiatools-personal-finance-what-if-simulator-no-account-required-tax-loan-rent-savings": {
      "name": "personal-finance-what-if-simulator-no-account-required-tax-loan-rent-savings",
      "description": "以种子化蒙特卡洛模拟 30 年净资产：2026 美国税级、FICA、401(k) 匹配利用率、Roth 转换阶梯、买房 vs 租房平衡点与再融资测算——无需注册，数据不出本次会话。",
      "baseUrl": "https://api.elysiatools.com/mcp/sse?toolId=personal-finance-what-if-simulator-no-account-required-tax-loan-rent-savings",
      "command": "",
      "args": [],
      "env": {},
      "isActive": true,
      "type": "sse"
    }
  }
}

列出可用工具

连接到 SSE 端点后，列出已开放的工具：

tools/list

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/list"
}

调用此工具

通过工具 id 调用，参数由其参数表构建：

tools/call

{
  "jsonrpc": "2.0",
  "id": 2,
  "method": "tools/call",
  "params": {
    "name": "personal-finance-what-if-simulator-no-account-required-tax-loan-rent-savings",
    "arguments": {
  "age": 32,
  "filingStatus": "single",
  "annualGrossIncome": 85000,
  "stateTaxPct": 5,
  "monthlyExpenses": 3200,
  "monthlyRent": 1800,
  "loanBalance": 0,
  "loanApr": 6.5,
  "loanYearsLeft": 0,
  "portfolioBalance": 15000,
  "stockAllocationPct": 80,
  "k401Pct": 10,
  "employerMatchPct": 50,
  "matchCapPct": 6,
  "iraAnnual": 0,
  "hsaAnnual": 0,
  "scenario": "none",
  "scenarioYear": 3,
  "scenarioMagnitudePct": 10,
  "mcTrials": 1000,
  "randomSeed": 42
}
  }
}

可用逗号分隔的 toolId 在一个会话中串联多个工具，例如 /mcp/sse?toolId=png-to-webp,jpg-to-webp,gif-to-webp（最多 20 个）。

有问题或反馈？请联系 [email protected]