# vdalhambra/axiom-calculator-mcp [Health: Active]

**Category:** 💰 Finance & Fintech  
**Repository:** https://github.com/vdalhambra/axiom-calculator-mcp  
**GitHub Stars:** 1  
**Views:** 3  
**Installs:** 0  
**Upvotes:** 0  
**Directory Page:** https://allmcps.com/mcp/vdalhambra-axiom-calculator-mcp

## Description
Personal finance calculators — mortgage payments, compound interest, FIRE retirement number, loan comparison, true credit cost, and debt payoff. 8 tools, zero API keys, works with uvx axiom-calculator-mcp.

## Tools
Capabilities this server exposes over MCP:

- **mortgage_calculator** — Calculate monthly mortgage payment, total interest paid, and full amortization summary.

Returns the monthly principal+interest payment, total interest over the loan life,
total cost of the home, break-even analysis, and the first 12 months of amortization.
Optionally includes property tax and insurance in the total monthly cost.
- **rent_vs_buy** — Compare total cost of renting vs buying over a given number of years.

Accounts for mortgage payments, equity built, opportunity cost of down payment,
rent increases over time, and home appreciation. Returns which option is cheaper
and by how much over the analysis period.
- **compound_interest** — Project investment growth with compound interest and optional regular contributions.

Shows final value, total contributions, total interest earned, and a year-by-year
growth table. Uses the standard compound interest formula with optional periodic contributions.
- **fire_number** — Calculate your FIRE (Financial Independence, Retire Early) number and timeline.

Finds the portfolio size needed to cover your expenses indefinitely using the
chosen withdrawal rate. If you provide current savings and annual savings rate,
also estimates how many years until you reach FIRE.
- **inflation_adjusted_return** — Calculate the real (inflation-adjusted) return on an investment.

Shows the difference between nominal growth and actual purchasing power growth.
Useful for understanding if your investments are truly beating inflation.
- **loan_comparison** — Compare two loan options by total cost, monthly payment, and true APR.

Helps decide between a lower rate with higher fees vs higher rate with lower fees,
or shorter term (higher payment, less interest) vs longer term (lower payment, more interest).
- **true_credit_cost** — Find the true total cost and implied APR of any credit product.

Works for car financing, buy-now-pay-later, credit card minimum payments,
personal loans, and any fixed payment schedule. Cuts through misleading
'0% financing' or low-rate marketing to show actual cost.
- **debt_payoff_plan** — Calculate how long to pay off a debt and how much interest you'll pay.

Compares the base payment plan vs adding extra monthly payments,
showing exactly how many months and dollars you save.

## Claude Desktop Quick Installation
Install path detected from listing signals. Uses `uvx` (confidence: high):

```json
"mcpServers": {
  "axiom-calculator-mcp": {
    "command": "uvx",
    "args": ["axiom-calculator-mcp"]
  }
}
```

## Documentation

## What vdalhambra/axiom-calculator-mcp MCP server does

The vdalhambra/axiom-calculator-mcp MCP server gives MCP-compatible AI clients access to eight personal finance calculations. It covers housing decisions, investment projections, retirement planning, financing comparisons, and debt repayment without requiring an API key.

The results are designed to answer practical questions such as the monthly cost of a mortgage, the long-term difference between renting and buying, the portfolio needed for financial independence, or the savings from making additional debt payments.

## How it works

The server runs locally as a stdio process. An MCP client starts the package with `uvx axiom-calculator-mcp`, then exposes the calculator tools to the connected agent. Users provide the relevant financial assumptions in a prompt or tool call, and the server returns calculated figures and, for several tools, supporting tables or comparisons.

Calculations use the supplied values rather than an external data source. The package does not require API keys, accounts, or a separate hosted service. Its README also states that it has no rate limits.

## Setup and configuration

For a client that supports stdio MCP servers, configure the server with the `uvx` runner and the `axiom-calculator-mcp` package:

```json
{
  "mcpServers": {
    "calculator": {
      "command": "uvx",
      "args": ["axiom-calculator-mcp"]
    }
  }
}
```

Claude Desktop and Claude Code are documented setup targets. The repository also provides a direct `uvx axiom-calculator-mcp` command for other MCP clients that support stdio. From source, the README documents cloning the repository and running `uv run axiom-calculator`.

No environment variables or credentials are required. The project is released under the MIT license.

## Tools and capabilities

The vdalhambra/axiom-calculator-mcp MCP server provides these tools:

- `mortgage_calculator` calculates principal-and-interest payments, lifetime interest, total home cost, break-even information, and the first 12 months of amortization. Property tax and insurance can optionally be included in the monthly total.
- `rent_vs_buy` compares renting and buying over a selected period, including rent increases, home appreciation, equity, and the opportunity cost of the down payment.
- `compound_interest` projects growth with optional recurring contributions and returns final value, contributions, interest, and annual results.
- `fire_number` estimates the portfolio required for financial independence and can estimate the time to reach it from current savings and annual savings.
- `inflation_adjusted_return` compares nominal investment growth with purchasing-power growth after inflation.
- `loan_comparison` compares two loans using payment, total cost, fees, term, and true APR.
- `true_credit_cost` estimates total cost and implied APR for financing products and fixed payment schedules.
- `debt_payoff_plan` compares a base repayment schedule with one that adds monthly payments, including time and interest savings.

_Full upstream README: https://allmcps.com/mcp/vdalhambra-axiom-calculator-mcp/readme_