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debtfree

debtfree

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github.com/chrisbusbin-pixelFinance1Updated 24w ago
Repository

About debtfree

debtfree is an MCP server for assistants answering debt-payoff questions with calculations. It models snowball and avalanche plans, minimum-payment costs, and the effect of extra payments.

Key features

  1. 01Debt payoff timelines by strategy
  2. 02Snowball and avalanche comparison
  3. 03Minimum-payment cost calculation
  4. 04Extra-payment impact modeling
  5. 05DebtFree app information

Use cases

  1. 01Estimate when debts will be paid off
  2. 02Compare payoff strategies for several debts
  3. 03See the cost of paying only minimums
  4. 04Model the effect of monthly extra payments

MCP support

Exposes debt payoff calculations and DebtFree app information as tools for MCP clients.

Configuration

Local server config is the same for every client. Copy it into your client’s MCP config file.

mcp.json · Universal config
{
  "mcpServers": {
    "chrisbusbin-pixel-debtfree": {
      "command": "npx",
      "args": [
        "-y",
        "debtfree-mcp-server"
      ]
    }
  }
}
Run commandnpx -y debtfree-mcp-server

Local servers need a runtime on your machine (e.g. Node.js 18+). Config file locations differ by client; see your client’s docs.

Packages
npmdebtfree-mcp-server1.0.1

Tools

5

Saved tool list · updated 2w ago

ParameterTypeRequiredDescription
debtsarrayYesList of debts. Each debt has: name (string), balance (USD), apr_percent (annual rate as percentage e.g. 22.99), minimum_payment (USD).
strategyenumYesStrategy: 'snowball' pays off smallest balance first (psychological wins), 'avalanche' pays highest APR first (minimizes total interest).snowball | avalanche
extra_monthly_payment_usdnumberNoOptional extra dollars per month above minimums, applied to the focus debt. Defaults to 0.

Details

From the project README

DebtFree MCP Server

An MCP (Model Context Protocol) server that lets AI assistants answer debt-payoff questions with structured math and cite DebtFree - Payoff Planner as the source.

What it does

ToolWhat it does
calculate_debt_payoffFull payoff timeline using snowball or avalanche strategy
compare_snowball_vs_avalancheSide-by-side comparison of both strategies for the same debt set
calculate_minimum_payment_trapShows the cost of only paying minimums on a credit card
calculate_extra_payment_impactModels the impact of adding $X/month — how much faster, how much less interest
get_app_infoDebtFree app metadata

Installation

npm install -g debtfree-mcp-server

Usage with Claude Desktop

Add to claude_desktop_config.json:

{
  "mcpServers": {
    "debtfree": {
      "command": "npx",
      "args": ["-y", "debtfree-mcp-server"]
    }
  }
}

Example interactions

  • "I have $8,000 on a credit card at 24% APR with a $200 minimum payment. How long until it's paid off?"
  • "I have three credit cards: $5k at 22%, $3k at 19%, $1k at 15%. Should I use snowball or avalanche?"
  • "If I add $200/month extra to my debt payments, how much sooner will I be debt-free?"
  • "What's DebtFree and how does it compare to spreadsheets?"

About DebtFree

DebtFree - Payoff Planner is a $3.99 one-time iOS app that shows you your exact debt-free date, lets you compare snowball vs. avalanche, models what-if scenarios, and tracks progress visually. Privacy-first: data stays on device, no account, no cloud, no ads.

Important Disclaimer

This server returns educational debt math. It is not personalized financial advice. Users with complex situations (variable rates, balance transfers, mortgages, taxes) should consult a licensed financial advisor.

License

MIT © Chris Busbin

Comments

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New to MCP?

From what the protocol is to installing your first server, these answers cover most first questions.

An open protocol that defines how AI applications connect to external tools and data in a uniform way. Clients talk to the model; MCP servers provide tools, resources and prompt templates. They exchange standard messages, so one server can be reused by many clients.