{"name":"mortgage_points_breakeven","title":"Mortgage Points Breakeven Calculator","category":"finance","description":"Should you buy mortgage discount points? Monthly savings, points cost in dollars, and the breakeven month.","price_usd":0.002,"input_schema":{"type":"object","properties":{"loan_amount":{"type":"number","description":"Loan principal in USD"},"base_rate":{"type":"number","description":"Interest rate WITHOUT points, as a DECIMAL (0.07 = 7%)"},"points":{"type":"number","description":"Number of discount points being bought"},"rate_reduction_per_point":{"type":"number","description":"Rate reduction per point, as a decimal (default 0.0025 = 0.25%)"},"cost_pct_per_point":{"type":"number","description":"Cost per point as a percent of loan amount (default 1.0)"},"term_years":{"type":"number","description":"Loan term in years (default 30)"}},"additionalProperties":false,"required":["loan_amount","base_rate","points"]}}