# US Pre-judgment Interest Calculator MCP MCP > US Pre-judgment Interest Calculator MCP. This tool lets your agent calculate statutory interest for various US states. Instead of manually hunting for state laws or doing complex date arithmetic for simple and compound interest, you can just ask your agent to pull the rules and run the numbers for you. It handles the heavy lifting for states like California, New York, and Texas, making it a go-to for legal and financial research. ## Overview - **Category:** finance - **Price:** Free - **Tags:** interest, calculator, us-law, statutory, finance-tool ## Description This MCP takes the headache out of figuring out how much interest a debt has racked up across different states. If you're dealing with a legal claim or a debt portfolio, you usually have to jump between multiple tabs to find out if a state uses simple or compound interest, what the current rate is, and how many days have passed since the default date. It's a lot of manual work where a single mistake in date counting or picking the wrong statute can mess up your entire calculation. This MCP gives your agent the ability to pull those specific rules and run the math for you in one go. You can ask it to check the rules for a specific state, like New York or Texas, and then have it calculate the total interest based on the debt amount and the dates you provide. It handles the date arithmetic automatically, so you don't have to worry about leap years or specific day counts. Because Vinkius hosts this tool, you can plug it into your existing setup and get these answers instantly during your research. It's designed for people who need accuracy without the manual slog of digging through legal databases. You get the specific numbers you need, grounded in state-specific statutes, without having to do the math yourself. It's about getting reliable data for your legal filings or financial models without the risk of human error in the middle of the process. You can stop worrying about the underlying math and focus on the actual work of your case. ## Tools ### calculate_accumulated_interest Calculate total interest accrued on a debt. ### get_state_statute_details Get the legal interest rules for a specific state. ### list_supported_jurisdictions List all supported US states. ## Prompt Examples **Prompt:** ``` What is the legal interest rate for California? ``` **Response:** ``` The annual statutory interest rate for California is 7%, and it uses the Simple interest calculation method. ``` **Prompt:** ``` Calculate interest for a $10,000 debt in New York that defaulted on 2023-01-01, as of 2024-01-01. ``` **Response:** ``` $900.00 in total interest has accrued over 365 days. ``` **Prompt:** ``` Which states can I check for interest rates? ``` **Response:** ``` The supported jurisdictions include California, New York, and Texas. ``` ## Capabilities ### Look up state-specific interest rules Get the legal interest rules for a specific state automatically. ### Calculate total interest on a debt Compute total interest accrued on a debt based on state law. ### List all supported US states See every US state currently supported by the tool. ### Identify simple vs. compound rules Determine if a state requires simple or compound interest calculations. ### Handle complex date arithmetic Calculate the exact days elapsed between two dates automatically. ### Fetch legal statute details Retrieve specific legal rules for a given jurisdiction. ## Use Cases ### A legal researcher needs to know the interest rate for a $50,000 debt in California. The researcher asks their agent to fetch the rules and calculate the total interest for a California debt using `get_state_statute_details` and `calculate_accumulated_interest`. ### A fintech developer is building a debt recovery app. The developer uses `list_supported_jurisdictions` to ensure they have coverage for all required states before building their front-end logic. ### A paralegal is preparing a filing for a New York debt that defaulted in 2023. The paralegal asks the agent to find the NY rules and calculate the interest as of today, getting a precise number for the filing. ### A finance analyst is modeling a multi-state debt portfolio. The analyst uses the MCP to quickly pull interest rates and totals for several states to see the total liability of a large portfolio. ## Benefits - Get exact interest rates for states like New York or California without searching through government websites by using `get_state_statute_details`. - Stop worrying about manual date counting or leap years because `calculate_accumulated_interest` handles the math for you. - Verify your coverage instantly with `list_supported_jurisdictions` to see every state the tool can handle. - Avoid mistakes in simple vs. compound interest logic by letting the MCP pull the specific rules from the statute. - Speed up your financial modeling by getting total interest numbers in seconds instead of minutes of manual calculation. ## How It Works The bottom line is you get accurate interest totals based on actual state laws without doing the math yourself. 1. Use `list_supported_jurisdictions` to see every state you can check. 2. Tell your agent to fetch the specific rules for a state using `get_state_statute_details`. 3. Provide the debt amount and dates to get the final interest total via `calculate_accumulated_interest`. ## Frequently Asked Questions **Does the US Pre-judgment Interest Calculator support all 50 states?** It supports many US states including California, New York, and Texas. You can use `list_supported_jurisdictions` to see the full list of available states. **How does the US Pre-judgment Interest Calculator handle interest types?** It identifies whether a state uses simple or compound interest. It pulls this information directly from the rules provided by `get_state_statute_details`. **Can I use the US Pre-judgment Interest Calculator for municipal rates?** No, this tool is designed for state-level statutory interest. It does not currently support municipal-level nuances. **How accurate are the calculations in the US Pre-judgment Interest Calculator?** The MCP handles the date arithmetic and applies the specific rules found in `get_state_statute_details`. It's designed for research and preliminary modeling. **What happens when I use `calculate_accumulated_interest`?** The tool takes a debt amount, a default date, and a reference date, then applies the state's specific interest rules to give you the total accrued amount. **How do I add the US Pre-judgment Interest Calculator to my AI client?** You can add it via the Vinkius dashboard. Once you're subscribed, just grab the connection info and plug it into your agent in Claude, Cursor, or Windsurf. **Does the US Pre-judgment Interest Calculator store my financial data?** It doesn't. The MCP processes the debt amounts and dates on the fly to give you an answer. Your data stays within your session and isn't saved to a permanent database. **What happens if a specific state isn't listed in `list_supported_jurisdictions`?** The tool will show you every state it currently covers. If your state is missing, it means that jurisdiction hasn't been added to the engine yet.