debt-payoff-mcp — Debt Payoff Planner MCP Server

A hosted Model Context Protocol 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

claude mcp add --transport http debt-payoff https://debtfree.rugscore.workers.dev/mcp

Claude Desktop / Cursor / generic MCP client:

{
  "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

// 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