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

Terminal

npm install -g debtfree-mcp-server

Usage with Claude Desktop

Add to claude_desktop_config.json:

config.json

{
  "mcpServers": {
    "debtfree": {
      "command": "npx",
      "args": ["-y", "debtfree-mcp-server"]
    }
  }
}

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.

Debtfree README