# Lease Renewal Decision Summary AI Agent Connect > Lease Renewal Decision Summary MCP acts as a financial engine to weigh the true cost of your housing options. It looks past just the monthly rent to factor in moving fees, security deposits, and the hidden costs of a longer commute. Your AI client uses these calculations to find the exact month where moving becomes the smarter financial move. ## Overview - **Category:** finance - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_dusySHTIjWf2I7Vp4VnW0qKK4pFNoA3Nk7X9vSkc/ai-agent-connect - **Tags:** rent, moving, lease, financial-planning, commute ## Description Deciding whether to renew your lease or pack up and move is usually a guessing game. You look at the lower rent in a new place, but you forget about the movers, the new deposit, and the extra gas money from a longer drive. This MCP changes that. It builds a side-by-side financial model of your current living situation versus a potential new one. You can feed your agent the specifics of your current rent, the proposed new rent, and even how much your daily commute will change. The math accounts for the value of your time and the upfront costs of relocation. Instead of just seeing a monthly difference, you get a clear picture of the cumulative impact over months or years. It identifies the break-even point so you know exactly when the savings from a cheaper rent finally outweigh the heavy hit of moving expenses. ## Tools ### calculate_commute_delta This tool calculates the financial impact of changes in your travel time. It turns extra minutes on the road into a concrete dollar amount based on your hourly rate. ### calculate_move_costs This tool totals your relocation expenses. It adds up things like moving fees and security deposits to show the upfront cost of a new place. ### calculate_stay_costs This tool determines the total cost of remaining in your current home. It calculates cumulative rent over your chosen timeframe. ### compare_options This tool runs a full comparison between staying and moving. It finds the specific month where one option becomes cheaper than the other. ## Prompt Examples **Prompt:** ``` I'm staying in my current place for $2000/month for 12 months. If I move, the new rent is $1800, moving fees are $500, and the deposit is $1800. My commute will increase by 15 minutes daily, and my time is worth $30/hour. I work 20 days a month. Compare the options. ``` **Response:** ``` The total cost to stay is $24,000. The total cost to move is $25,700. There is no break-even month within the 12-month horizon as staying remains the cheaper option. ``` **Prompt:** ``` Calculate the cost of staying with a $2500 rent for 24 months. ``` **Response:** ``` The total cumulative cost for staying is $60,000. ``` **Prompt:** ``` What is the financial impact of a 20-minute increase in my daily commute if I work 22 days a month, my time is worth $25 per hour, and I'm looking at a 12-month horizon? ``` **Response:** ``` The total commute cost for the 12-month period is $1,100. ``` ## Capabilities ### Relocation Math Your agent calculates the total upfront cost of moving including deposits and fees. ### Commute Valuation The MCP converts extra driving time into a monthly and yearly dollar cost. ### Break-even Analysis Your agent identifies the exact month when moving becomes more profitable than staying. ### Cumulative Costing The tool sums up rent and expenses over any specific number of months. ## Use Cases ### Lease Renewal Evaluation Compare your current rent against a new offer to see if the move is worth the hassle. ### Commute Impact Study Determine if a cheaper apartment is actually more expensive once you add the cost of extra driving. ### Relocation Budgeting Calculate exactly how much cash you need upfront for deposits and moving fees. ### Long-term Housing Planning Model the cost of staying in a place for two years versus moving to a more affordable area. ## Benefits - Accounts for hidden relocation costs like security deposits. - Quantifies the cost of lost time during a longer commute. - Finds the mathematical break-even point for moving. - Provides a clear comparison of cumulative expenses over time. ## How It Works You connect the MCP to your AI client and provide your housing and commute details. 1. Connect your preferred client like Claude or Cursor to Vinkius. 2. Provide your current rent, new rent, and moving costs to your agent. 3. Input your commute changes and the value of your time. 4. Ask your agent to compare the options or find the break-even month. ## Frequently Asked Questions **How does this MCP calculate commute costs?** It uses your daily commute increase, the number of work days per month, and your hourly time value to find the total financial impact. **Can I use this with Claude or Cursor?** Yes, you can connect this MCP to any MCP-compatible client including Claude, Cursor, and Windsurf. **Does it include moving fees in the comparison?** Yes, the tool calculates relocation expenses like moving fees and security deposits to ensure a fair comparison. **What is a break-even month?** It is the specific month where the cumulative savings from a new lease finally exceed the initial costs of moving. **Do I need to host this myself?** No, Vinkius hosts and manages the MCP for you. You just connect your client and start using the tools. **How does the tool calculate the break-even month?** The break-even month is identified by `compare_options` as the first month where the cumulative cost of moving becomes lower than the cumulative cost of staying within your specified time horizon. **Can I include commute changes in my comparison?** Yes, you can use `calculate_commute_delta` to quantify the financial impact of changes in commute time, which is then factored into the final comparison. **What costs are included in the moving calculation?** The `calculate_move_costs` tool includes the new monthly rent, one-time moving fees (movers, packing, utilities), and the new security deposit.