Debtfree
Debt payoff calculator: snowball vs avalanche, minimum payment trap, extra-payment impact.
Runs on your machine from its package; the steps are below.
What it does
- Reads
- Writes
- High impact
At most: only reads or looks up information.
What it costs
FreeOdel charges nothing per call. The publisher may charge for its own service.
Runs locally over stdio
This server isn't hosted — your MCP client launches it from a package registry. Use one of the commands below, or drop the config into your client (e.g. Claude Desktop).
Run
npx -y debtfree-mcp-server
MCP client config
{
"mcpServers": {
"debtfree": {
"command": "npx",
"args": [
"-y",
"debtfree-mcp-server"
]
}
}
}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
npm install -g debtfree-mcp-server
Usage with Claude Desktop
Add to claude_desktop_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.
License
MIT © Chris Busbin
