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Debt payoff calculator: snowball vs avalanche, minimum payment trap, extra-payment impact.
About
Debt payoff calculator: snowball vs avalanche, minimum payment trap, extra-payment impact.
Security Report
Excellent security posture. This is a pure calculation engine with no external API calls, no credential handling, no file I/O, and no dangerous patterns. Input validation is thorough, error handling is robust, and all operations are read-only and deterministic. The code is well-structured, clearly documented, and appropriately scoped for its stated purpose as an educational debt math calculator. Supply chain analysis found 2 known vulnerabilities in dependencies (0 critical, 2 high severity). Package verification found 1 issue.
3 files analyzed · 5 issues found
Security scores are indicators to help you make informed decisions, not guarantees. Always review permissions before connecting any MCP server.
Permissions Required
This plugin requests these system permissions. Most are normal for its category.
How to Install
Add this to your MCP configuration file:
{
"mcpServers": {
"io-github-chrisbusbin-pixel-debtfree": {
"args": [
"-y",
"debtfree-mcp-server"
],
"command": "npx"
}
}
}Documentation
View on GitHubFrom the project's GitHub README.
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
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