io.github.comil27/debt-payoff-mcp
RETIRED - this server is discontinued and its backend is offline. Do not use.
Open source Open in the app JSON README (API)
About
RETIRED - this server is discontinued and its backend is offline. Do not use.
Details
- Kind
- MCP servers
- Topic
- No topic detected
- Publisher
- comil27
- Origin
- official
- Category
- ferramentas
- Transport
- desconhecido
- Version
- 1.0.1
- Last push
- 2026-08-26T09:39:06Z
- Repository state
- ativo
- License
- MIT
- Added
- 2026-08-29 03:02:37
- Updated
- 2026-08-29 03:02:37
- Origin id
io.github.comil27/debt-payoff-mcp
README
# debt-payoff-mcp — Debt Payoff Planner MCP Server
A hosted **[Model Context Protocol](https://modelcontextprotocol.io) 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**
```bash
claude mcp add --transport http debt-payoff https://debtfree.rugscore.workers.dev/mcp
```
**Claude Desktop / Cursor / generic MCP client:**
```json
{
"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
```jsonc
// 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