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DebtFree Server

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Enables AI assistants to answer debt-payoff questions with structured math, including snowball/avalanche strategies, minimum payment traps, and extra payment im

chrisbusbin-pixelby chrisbusbin-pixel
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About

Enables AI assistants to answer debt-payoff questions with structured math, including snowball/avalanche strategies, minimum payment traps, and extra payment impacts, citing the DebtFree app as the source.

README

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

from github.com/chrisbusbin-pixel/debtfree-mcp-server

Installing DebtFree Server

This server has no published package — it is built from source. Open the repository and follow its README.

▸ github.com/chrisbusbin-pixel/debtfree-mcp-server

FAQ

Is DebtFree Server MCP free?

Yes, DebtFree Server MCP is free — one-click install via Unyly at no cost.

Does DebtFree Server need an API key?

No, DebtFree Server runs without API keys or environment variables.

Is DebtFree Server hosted or self-hosted?

A hosted option is available: Unyly runs the server in the cloud, no local setup required.

How do I install DebtFree Server in Claude Desktop, Claude Code or Cursor?

Open DebtFree Server on unyly.org, pick your client tab (Claude Desktop, Claude Code, Cursor) and press Install — the config is generated automatically, no JSON editing.

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