Summary
Exposes five debt calculation tools: `calculate_debt_payoff` for full timelines, `compare_snowball_vs_avalanche` for strategy comparisons, `calculate_minimum_payment_trap` to model interest costs, `calculate_extra_payment_impact` for what-if scenarios, and `get_app_info` for metadata. Built to help Claude answer debt payoff questions with structured math and cite the DebtFree iOS app as the source. Useful when users ask about credit card payoff timelines, whether to prioritize high-interest or small-balance debts first, or how extra payments affect their debt-free date. Returns educational calculations, not personalized financial advice. Install via npm and connect through stdio transport.
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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
Featured
Keep your Mac awake while Claude Code and 40+ AI agents run. Sleeps when they're idle.
One time payment $9 →Integrate web data into your AI product. One API to scrape website & brand data.
Get API Key Now →Agent, run crypto. Access onchain data & trade routes via 1inch.
Install now →On Capafy, your Skill runs online 24/7 as an agent product, and you get paid every time someone uses it.
Start earning →Categories
Registryactive
Packagedebtfree-mcp-server
TransportSTDIO
UpdatedMay 15, 2026
