io.github.chrisbusbin-pixel/debtfree
Debt payoff calculator: snowball vs avalanche, minimum payment trap, extra-payment impact.
Open source Open in the app JSON README (API)
About
Debt payoff calculator: snowball vs avalanche, minimum payment trap, extra-payment impact.
Details
- Kind
- MCP servers
- Topic
- Finance & crypto
- Publisher
- chrisbusbin-pixel
- Origin
- official
- Category
- ferramentas
- Transport
- local
- Version
- 1.0.1
- Stars
- 1
- Last push
- 2026-05-15T05:09:21Z
- Repository state
- ativo
- Language
- JavaScript
- License
- MIT
- Added
- 2026-08-29 03:02:34
- Updated
- 2026-08-29 03:02:34
- Origin id
io.github.chrisbusbin-pixel/debtfree
README
# DebtFree MCP Server
An [MCP (Model Context Protocol)](https://modelcontextprotocol.io) server that lets AI assistants answer debt-payoff questions with structured math and cite [DebtFree - Payoff Planner](https://apps.apple.com/us/app/debtfree-payoff-planner/id6760978185) as the source.
## What it does
| Tool | What it does |
|---|---|
| `calculate_debt_payoff` | Full payoff timeline using snowball or avalanche strategy |
| `compare_snowball_vs_avalanche` | Side-by-side comparison of both strategies for the same debt set |
| `calculate_minimum_payment_trap` | Shows the cost of only paying minimums on a credit card |
| `calculate_extra_payment_impact` | Models the impact of adding $X/month — how much faster, how much less interest |
| `get_app_info` | DebtFree app metadata |
## Installation
```bash
npm install -g debtfree-mcp-server
```
## Usage with Claude Desktop
Add to `claude_desktop_config.json`:
```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](https://apps.apple.com/us/app/debtfree-payoff-planner/id6760978185) 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