mcpbeat

Debt Payoff MCP Server

io.github.comil27/debt-payoff-mcp
answering

Debt Payoff MCP is answering right now. Last checked 3 min ago. It exposes 3 tools. Last commit 28 Jun 2026.

Debt payoff planner: snowball vs avalanche — months to debt-free & total interest. Remote MCP.

Uptime history 41 hours of history
41 hours agonow
100.0%
Uptime 24h
92 of 92 checks
3
Tools
read from the server
105 ms
Response time
average over 24h
0
Stars
last commit 28 Jun 2026

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 3 min ago.

run in your terminal
claude mcp add debt-payoff-mcp --transport http https://debtfree.rugscore.workers.dev/mcp
~/Library/Application Support/Claude/claude_desktop_config.json
{
  "mcpServers": {
    "debt-payoff-mcp": {
      "url": "https://debtfree.rugscore.workers.dev/mcp"
    }
  }
}
~/.codex/config.toml
[mcp_servers.debt-payoff-mcp]
url = "https://debtfree.rugscore.workers.dev/mcp"
.cursor/mcp.json
{
  "mcpServers": {
    "debt-payoff-mcp": {
      "url": "https://debtfree.rugscore.workers.dev/mcp"
    }
  }
}
.vscode/mcp.json
{
  "mcpServers": {
    "debt-payoff-mcp": {
      "url": "https://debtfree.rugscore.workers.dev/mcp"
    }
  }
}

Available tools 3

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

budget
budget_50_30_20
Split a monthly take-home income into a 50/30/20 budget (needs / wants / savings & debt). Returns dollar targets for each bucket. Optional custom percentages.
debt
debt_payoff_plan
Plan how to pay off debt(s): returns months to debt-free, total interest, and payoff order — comparing the snowball (smallest balance first) and avalanche (highest APR first) strategies. Accepts one debt or many.
savings
savings_goal
How long to reach a savings goal. Given a target amount, monthly contribution, optional current savings and APY, returns months/years to reach it and total contributed.

Endpoints

URLTransportStateLatencyChecked
https://debtfree.rugscore.workers.dev/mcp streamable-http answering 71 ms 3 min ago

Debt Payoff MCP — questions

Answers built from our own checks of this server.

What can Debt Payoff MCP do?
It exposes 3 tools, read directly from the server on our last check. Among them: budget_50_30_20, debt_payoff_plan, savings_goal. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →
Is Debt Payoff MCP working right now?
We send a real MCP handshake every 15 minutes. Over the last 24 hours 92 of 92 checks got a reply (100.0%), average response time 105 ms. The bar chart above shows every period we have measured.
How do I connect Debt Payoff MCP?
Copy the ready config from this page — we generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each with the file path that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.
Does Debt Payoff MCP need an API key?
No. Debt Payoff MCP completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 3 of them are readable on this page. This is what we observed, not what the docs claim.
How fast is Debt Payoff MCP?
It answers our handshake in 105 ms on average, which is faster than 82% of all working MCP servers we measure. That puts it in the quick quarter of the ecosystem. The comparison comes from our own checks across the whole registry, every 15 minutes.
Is Debt Payoff MCP open source?
Yes — it is published under the MIT licence and 0 stars on GitHub. The source link is on this page, so you can read exactly what it does with your data before you connect it.