{
  "markdown": "# debt-payoff-mcp — Debt Payoff Planner MCP Server\n\nA hosted **[Model Context Protocol](https://modelcontextprotocol.io) server** that lets any AI\nassistant compute a real **debt-payoff plan** — comparing the **snowball** (smallest balance first)\nand **avalanche** (highest APR first) strategies — with no API key and nothing to install.\n\n> Works in Claude Code, Claude Desktop, Cursor, and any MCP-capable agent.\n\n## Tools\n\n**`debt_payoff_plan`** — takes one or more debts and returns, for **both** strategies:\n\n- **monthsToDebtFree** / **years**\n- **totalInterest** paid\n- **payoffOrder** — which debt is cleared first, second, …\n- **recommended** strategy + how much interest avalanche saves vs snowball\n\n**`budget_50_30_20`** — splits a monthly take-home income into a 50/30/20 budget (needs / wants /\nsavings & debt), with optional custom percentages. Returns dollar targets per bucket.\n\n**`savings_goal`** — given a target amount, monthly contribution, optional current savings and APY,\nreturns months/years to reach the goal and total contributed.\n\n## Install (remote — nothing to download)\n\n**Claude Code**\n\n```bash\nclaude mcp add --transport http debt-payoff https://debtfree.rugscore.workers.dev/mcp\n```\n\n**Claude Desktop / Cursor / generic MCP client:**\n\n```json\n{\n  \"mcpServers\": {\n    \"debt-payoff\": {\n      \"type\": \"streamable-http\",\n      \"url\": \"https://debtfree.rugscore.workers.dev/mcp\"\n    }\n  }\n}\n```\n\nThen 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?\"*\n\n## Example\n\n```jsonc\n// debt_payoff_plan\n// { \"debts\": [ {\"name\":\"Visa\",\"balance\":6000,\"apr\":24,\"min\":150} ], \"extra\": 100 }\n{\n  \"snowball\":  { \"monthsToDebtFree\": 29, \"totalInterest\": 1480.69, \"payoffOrder\": [\"Visa\"] },\n  \"avalanche\": { \"monthsToDebtFree\": 29, \"totalInterest\": 1480.69, \"payoffOrder\": [\"Visa\"] },\n  \"recommended\": \"avalanche\",\n  \"avalancheSavesInterest\": 0\n}\n```\n\nSingle-debt shortcut: pass `balance`, `apr`, `min` (and optional `extra`) instead of `debts`.\n\n## Full workbook\n\nThe free tool plans the payoff. The complete **Debt-Free Workbook** (`.xlsx`: budget, sinking\nfunds, net-worth tracker, 52-week challenge, plus the live payoff engine) is available here:\n\n**https://debtfree.rugscore.workers.dev**\n\nA free in-browser calculator and worked examples live there too.\n\n## License\n\nMIT\n",
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  "sha": "08dc9d1aae73f89f97e511bd16621f950ce03431964cbc59ea6174afef2b5640",
  "repo_slug": "comil27/debt-payoff-mcp",
  "fonte": "repo",
  "truncated": false,
  "api": "https://agentalog.com/api/listings/mcp_io_github_comil27_debt_payoff_mcp_1699ff34/readme"
}