Debt payoff calculator: snowball vs avalanche, minimum payment trap, extra-payment impact.
Quick Install
Automated & IDE SetupCopy the AI prompt to install this server into Claude Code, Cursor, or another agent — or use 1-click editor setup below.
Manual Client & Custom JSON ConfigExpand JSON ▾
Client Config & Setup
Choose your client or environment
Target File:
💡 Paste the JSON block into your client's configuration file under mcpServers, then restart the application.
Documentation Overview
DebtFree MCP Server
An MCP (Model Context Protocol) server that lets AI assistants answer debt-payoff questions with structured math and cite DebtFree - Payoff Planner 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
Usage with Claude Desktop
Add to claude_desktop_config.json:
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 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
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Frequently Asked Questions about Debtfree
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CategoryDeveloper Tools
27Quality signal: Emerging · 27/100How this signal is calculated ▾
Server availabilityNot measured
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Verified ownership8/20
Documentation & tools11/30
Adoption & activity1/15
Community engagement0/10
A guidance signal from public completeness & health data — not a user rating. New listings start lower and rise as they add docs, get verified, and grow adoption. Signals we can't observe for a listing are skipped, not counted against it.
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