mcpField
D
debt-payoff-mcp

debt-payoff-mcp

Local
github.com/comil27Finance0Updated 18w ago
Repository

About debt-payoff-mcp

A discontinued hosted MCP server that calculated debt payoff plans, budget allocations, and savings timelines. Its backend is offline and it should not be used.

Key features

  1. 01Compare snowball and avalanche strategies
  2. 02Estimate payoff time and interest
  3. 03Split monthly income into budget buckets
  4. 04Estimate time to reach a savings goal

Use cases

  1. 01Compare payoff orders for multiple debts
  2. 02Plan a monthly income budget
  3. 03Estimate a recurring savings goal timeline

MCP support

The server formerly exposed debt planning, budgeting, and savings calculation tools to MCP clients. It is discontinued and its backend is offline.

Configuration

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

No install method listed yet

We haven’t collected a package or remote endpoint for this server. Follow the instructions in the project README.

Repository

Tools

No tool list yet

Local servers expose tools only once running on your machine, and the maintainer has not provided a tool list.

Details

From the project README

debt-payoff-mcp — Debt Payoff Planner MCP Server

A hosted Model Context Protocol server that lets any AI assistant compute a real debt-payoff plan — comparing the snowball (smallest balance first) and avalanche (highest APR first) strategies — with no API key and nothing to install.

Works in Claude Code, Claude Desktop, Cursor, and any MCP-capable agent.

Tools

debt_payoff_plan — takes one or more debts and returns, for both strategies:

  • monthsToDebtFree / years
  • totalInterest paid
  • payoffOrder — which debt is cleared first, second, …
  • recommended strategy + how much interest avalanche saves vs snowball

budget_50_30_20 — splits a monthly take-home income into a 50/30/20 budget (needs / wants / savings & debt), with optional custom percentages. Returns dollar targets per bucket.

savings_goal — given a target amount, monthly contribution, optional current savings and APY, returns months/years to reach the goal and total contributed.

Install (remote — nothing to download)

Claude Code

claude mcp add --transport http debt-payoff https://debtfree.rugscore.workers.dev/mcp

Claude Desktop / Cursor / generic MCP client:

{
  "mcpServers": {
    "debt-payoff": {
      "type": "streamable-http",
      "url": "https://debtfree.rugscore.workers.dev/mcp"
    }
  }
}

Then ask: "I have a $6,000 card at 24% (min $150) and a $12,000 car loan at 7% (min $250), and I can put $200 extra toward debt each month. What's the fastest way to pay it off?"

Example

// debt_payoff_plan
// { "debts": [ {"name":"Visa","balance":6000,"apr":24,"min":150} ], "extra": 100 }
{
  "snowball":  { "monthsToDebtFree": 29, "totalInterest": 1480.69, "payoffOrder": ["Visa"] },
  "avalanche": { "monthsToDebtFree": 29, "totalInterest": 1480.69, "payoffOrder": ["Visa"] },
  "recommended": "avalanche",
  "avalancheSavesInterest": 0
}

Single-debt shortcut: pass balance, apr, min (and optional extra) instead of debts.

Full workbook

The free tool plans the payoff. The complete Debt-Free Workbook (.xlsx: budget, sinking funds, net-worth tracker, 52-week challenge, plus the live payoff engine) is available here:

https://debtfree.rugscore.workers.dev

A free in-browser calculator and worked examples live there too.

License

MIT

Comments

Markdown supported

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.