debt-payoff-mcp
RETIRED - this server is discontinued and its backend is offline. Do not use.
Should I use this
Quality & Safety
Based on automated analysis of tool definitions and protocol compliance.
Context Cost
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Install
One-Click Install
Add this to your `claude_desktop_config.json` file:
{
"mcpServers": {
"debt-payoff-mcp": {
"url": "https://debtfree.rugscore.workers.dev/mcp"
}
}
}Remote endpoints
https://debtfree.rugscore.workers.dev/mcpstreamable-httpWhat it can do
Tool inventory
Tools (3)
⚪debt_payoff_plan(debts, balance, apr, min, extra)
Plan how to pay off debt(s): returns months to debt-free, total interest, and payoff order — comparing the snowball (smallest balance first) and avalanche (highest APR first) strategies. Accepts one debt or many.
Input Schema
{
"type": "object",
"properties": {
"debts": {
"type": "array",
"description": "Your debts; each has name, balance, apr (annual %), min (monthly minimum payment).",
"items": {
"type": "object",
"properties": {
"name": {
"type": "string"
},
"balance": {
"type": "number"
},
"apr": {
"type": "number"
},
"min": {
"type": "number"
}
},
"required": [
"balance",
"apr",
"min"
]
}
},
"balance": {
"type": "number",
"description": "Single-debt shortcut (use with apr & min instead of debts[])."
},
"apr": {
"type": "number",
"description": "Annual interest rate %, single-debt shortcut."
},
"min": {
"type": "number",
"description": "Monthly minimum payment, single-debt shortcut."
},
"extra": {
"type": "number",
"description": "Extra $/month toward debt beyond the minimums. Default 0."
}
}
}⚪budget_50_30_20(monthlyIncome, needsPct, wantsPct, savingsPct)
Split a monthly take-home income into a 50/30/20 budget (needs / wants / savings & debt). Returns dollar targets for each bucket. Optional custom percentages.
Input Schema
{
"type": "object",
"properties": {
"monthlyIncome": {
"type": "number",
"description": "Monthly take-home (after-tax) income in dollars."
},
"needsPct": {
"type": "number",
"description": "Optional. % for needs (default 50)."
},
"wantsPct": {
"type": "number",
"description": "Optional. % for wants (default 30)."
},
"savingsPct": {
"type": "number",
"description": "Optional. % for savings & debt payoff (default 20)."
}
},
"required": [
"monthlyIncome"
]
}⚪savings_goal(goalAmount, monthlyContribution, currentSaved, apy)
How long to reach a savings goal. Given a target amount, monthly contribution, optional current savings and APY, returns months/years to reach it and total contributed.
Input Schema
{
"type": "object",
"properties": {
"goalAmount": {
"type": "number",
"description": "Target amount to save, in dollars."
},
"monthlyContribution": {
"type": "number",
"description": "Amount saved each month, in dollars."
},
"currentSaved": {
"type": "number",
"description": "Optional. Amount already saved (default 0)."
},
"apy": {
"type": "number",
"description": "Optional. Annual interest/return % on savings (default 0)."
}
},
"required": [
"goalAmount",
"monthlyContribution"
]
}Community
Evidence