Debt payoff calculator: snowball vs avalanche, minimum payment trap, extra-payment impact.
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.
| 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 |
npm install -g debtfree-mcp-server
Add to claude_desktop_config.json:
{
"mcpServers": {
"debtfree": {
"command": "npx",
"args": ["-y", "debtfree-mcp-server"]
}
}
}
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.
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.
MIT © Chris Busbin
Source-derived launch command. Check the maintainer’s required arguments and credentials before running:
npx -y debtfree-mcp-serverMerge this template into ~/Library/Application Support/Claude/claude_desktop_config.json. Keep existing servers. Add any arguments, credentials, and permissions required by the maintainer; this template has not been install-tested.
{
"mcpServers": {
"io-github-chrisbusbin-pixel-debtfree": {
"command": "npx",
"args": [
"-y",
"debtfree-mcp-server"
]
}
}
}Restart Claude Desktop completely for changes to take effect. Confirm the server appears connected in the client’s tool list, then try a read-only example from its documentation.
Claude Desktop setup referencedebtfree-mcp-servernpmio.github.chrisbusbin-pixel/debtfree works with any MCP-compatible client. Copy the config snippet from the Configuration section above and add it to the file shown for your client, then restart the application.
~/Library/Application Support/Claude/claude_desktop_config.jsonRestart Claude Desktop completely for changes to take effect.~/.cursor/mcp.jsonRestart Cursor for changes to take effect..vscode/mcp.jsonReload VS Code window for changes to take effect.~/.codeium/windsurf/mcp_config.jsonRestart Windsurf for changes to take effect..mcp.jsonSave at the project root, then start Claude Code in that project and review the MCP server approval prompt. Keep real credentials out of shared files.