EveryCalc

EveryCalc offers free online calculators for money decisions, military life, and school. The site provides tools for mortgage, auto loans, VA disability, military pay, GPA, college ROI, and more, all running entirely in the browser with no signup and 100% privacy. Users can also access a free JSON API at https://everycalc.xyz/api/v1/ with an OpenAPI specification, enabling programmatic use of the calculators.

EveryCalc publishes 3 API contracts indexed on the APIs.io network: Calculate API, Health API, and Openapi.json API. Tagged areas include Finance, Calculators, Money, Military, and Education.

The EveryCalc catalog on APIs.io includes 1 Spectral governance ruleset.

EveryCalc’s developer surface includes documentation, API reference, support, engineering blog, and 19 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

32.7/100 thin Agent 34/100 agent ready Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessOpen

1 published contract 1 MCP Servers 5 Agent Skills

Finance Calculators Money Military Education

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 32.7/100 · thin

Contract Quality 8.9 / 21

Developer Ergonomics 5.1 / 17

Access Clarity 5.1 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 6.4 / 9

Regulatory Posture 3.4 / 15

Agent readiness — 34/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 12 / 12

Machine-Readable Auth 0 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 4 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Education & Research regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics does not apply to this provider. The published contracts declare no write operations, and a read-only API cannot create-or-update. The facet is excluded from this provider's denominator entirely — not scored zero. A reference or data API is not deficient for being unable to upsert.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey) Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented) Ask about this →
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks Ask about this →

3 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 41.8 — up to +14.6 composite points Ask about this →
Developer Ergonomics scores 30.2 — up to +14.0 composite points Ask about this →
Access Clarity scores 29.8 — up to +14.0 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/everycalc-xyz/apis.yml: open an issue on github.com/api-evangelist/everycalc-xyz to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (documented)

OpenAPI

measured — observed by APIs.io (published)

APIs 3

Individual APIs this provider publishes, each with its own machine-readable definition.

EveryCalc Calculate API

The Calculate API from EveryCalc — 69 operation(s) for calculate.

EveryCalc Health API

The Health API from EveryCalc — 1 operation(s) for health.

EveryCalc Openapi.json API

The Openapi.json API from EveryCalc — 1 operation(s) for openapi.json.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

EveryCalc MCP Server

Remote MCP server at everycalc.xyz.

MCP SERVER

Agent Skills 5

Packaged agent skills for driving this provider's APIs from an AI assistant.

calculate-affordability

AGENT SKILL

calculate-debt-payoff

AGENT SKILL

calculate-loan

AGENT SKILL

calculate-mortgage

AGENT SKILL

calculate-refinance

AGENT SKILL

Rate Limits 1

Documented rate limits and quota policies.

EveryCalc Rate Limits

0 limits

RATE LIMITS

Terms of Service 1

What its API terms permit and prohibit, quoted from its own page.

EveryCalc

6 quoted statements, read from EveryCalc's own page on 2026-11-09.

TERMS

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

EveryCalc

16 quoted statements, read from EveryCalc's own page on 2026-11-09.

PRIVACY

AI Preferences 1

Its stance on AI training, inference and agents, quoted from its own pages.

EveryCalc

1 quoted statement, read from EveryCalc's own page on 2026-11-09.

AI PREFS

Data License 1

How its data and outputs may be reused, quoted from its own terms.

EveryCalc

1 quoted statement, read from EveryCalc's own page on 2026-11-09.

LICENSE

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

EveryCalc API Rules

35 rules · 26 error-severity 8 warn-severity 1 info-severity

SPECTRAL

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

EveryCalc Authentication

0 schemes

SECURITY

EveryCalc Domain Security

TLSv1.3 · DNSSEC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

EveryCalc Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access (API Evangelist recommendations) 1

Recommended x-agentic-access execution contracts for AI agents.

EveryCalc Agentic Access

71 operations

71 operations · 0 acting

AGENTIC

Resources

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

AIPreferences

AIPreferences

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgentSkill

LLMsTxt

MCPServer

WellKnown

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Spectral

Spectral

ErrorCatalog

ErrorCatalog

Conformance

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

ToolCrosswalk

ToolCrosswalk

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

PrivacyPolicy

TermsOfService

UsageTerms

DataLicense

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 3

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

DataProcessing

DataProcessing

Source (apis.yml)

aid: everycalc-xyz
name: EveryCalc
description: EveryCalc offers free online calculators for money decisions, military life, and school. The site provides tools
  for mortgage, auto loans, VA disability, military pay, GPA, college ROI, and more, all running entirely in the browser with
  no signup and 100% privacy. Users can also access a free JSON API at https://everycalc.xyz/api/v1/ with an OpenAPI specification,
  enabling programmatic use of the calculators.
url: https://artifacts.apis.io/everycalc-xyz/apis.yml
accessModel:
  pricing: unknown
  onboarding: open
  trial: false
  try_now: false
  public: true
  gated: none
  gated_source:
  - onboarding
  label: Open access
  confidence: low
  probe_state: unreadable
  source:
  - authentication
  - security
  generated: '2026-11-13'
  method: derived
image: https://everycalc.xyz/favicon.ico
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-11-07 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-11-07'
modified: '2026-11-07'
tags:
- Finance
- Calculators
- Money
- Military
- Education
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/everycalc-xyz-agentic-access.yml
- type: Spectral
  url: rules/everycalc-xyz-rules.yml
- type: AgentSkill
  url: skills/_index.yml
- type: ErrorCatalog
  url: errors/everycalc-xyz-problem-types.yml
- type: Conformance
  url: conformance/everycalc-xyz-conformance.yml
- type: LLMsTxt
  url: llms/everycalc-xyz-llms.txt
- type: ToolCrosswalk
  url: mcp/everycalc-xyz-tool-crosswalk.yml
- type: MCPServer
  url: mcp/everycalc-xyz-mcp.yml
- type: WellKnown
  url: well-known/everycalc-xyz-well-known.yml
- type: Hosts
  url: hosts/everycalc-xyz-hosts.yml
- type: Vendors
  url: vendors/everycalc-xyz-vendors.yml
- type: PrivacyPolicy
  url: https://everycalc.xyz/privacy-policy/
- type: DomainSecurity
  url: security/everycalc-xyz-domain-security.yml
- type: Website
  url: https://everycalc.xyz/
- type: Documentation
  url: https://everycalc.xyz/api/v1/openapi.json
- type: APIReference
  url: https://everycalc.xyz/api/v1/openapi.json
- type: Support
  url: https://ko-fi.com/everycalc
- type: Blog
  url: https://everycalc.xyz/blog/
- type: TermsOfService
  url: https://everycalc.xyz/terms/
- type: UsageTerms
  url: terms/everycalc-xyz-terms-of-service.yml
- type: DataProcessing
  url: privacy/everycalc-xyz-privacy-policy.yml
- type: AIPreferences
  url: ai-preferences/everycalc-xyz-ai-preferences.yml
- type: DataLicense
  url: data-license/everycalc-xyz-data-license.yml
apis:
- aid: everycalc-xyz:everycalc-xyz-calculate-api
  name: EveryCalc Calculate API
  description: The Calculate API from EveryCalc — 69 operation(s) for calculate.
  humanURL: https://everycalc.xyz/guides/
  baseURL: https://everycalc.xyz
  tags:
  - Calculate
  properties:
  - type: OpenAPI
    url: openapi/everycalc-xyz-calculate-api-openapi.yml
- aid: everycalc-xyz:everycalc-xyz-health-api
  name: EveryCalc Health API
  description: The Health API from EveryCalc — 1 operation(s) for health.
  humanURL: https://everycalc.xyz/guides/
  baseURL: https://everycalc.xyz
  tags:
  - Health
  properties:
  - type: OpenAPI
    url: openapi/everycalc-xyz-health-api-openapi.yml
- aid: everycalc-xyz:everycalc-xyz-openapi-json-api
  name: EveryCalc Openapi.json API
  description: The Openapi.json API from EveryCalc — 1 operation(s) for openapi.json.
  humanURL: https://everycalc.xyz/guides/
  baseURL: https://everycalc.xyz
  tags:
  - Openapi.json
  properties:
  - type: OpenAPI
    url: openapi/everycalc-xyz-openapi-json-api-openapi.yml
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  method: derived
  generated: '2026-11-07'
  generator: derive-coverage.py (pre-flight evidence)
  detail: the company publishes developer documentation but serves no machine-readable contract from it
  evidence:
  - url: https://everycalc.xyz/mcp
    status: null
  - url: https://everycalc.xyz/
    status: 200
x-enrichment:
  date: '2026-11-07'
  status: enriched
  artifacts_added: 35
  pass: modular-v1
  engine: identity=oss,contract=oss,surfaces=oss,docs=oss,regulatory=oss

EveryCalc API — frequently asked questions

Does EveryCalc have an API?

Yes. APIs.io lists 3 APIs from EveryCalc, including EveryCalc Calculate API, EveryCalc Health API and EveryCalc Openapi.json API.

Is there an OpenAPI specification for the EveryCalc API?

Yes. APIs.io indexes 3 OpenAPI specifications for EveryCalc, each linked for download from this page.

How do I authenticate with the EveryCalc API?

EveryCalc documents its authentication (0 schemes). The details are profiled on APIs.io as EveryCalc Authentication.

Does EveryCalc have an MCP server?

Yes. APIs.io lists 1 MCP server for EveryCalc: Remote MCP server at everycalc.xyz.

Is the EveryCalc API ready for AI agents?

EveryCalc has a Kin Score of 32.7 out of 100 (thin) and an Agent Readiness score of 33.6 (agent-ready), scored by API Evangelist on 2026-11-13.

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