Debt Payoff MCP Server

by comil27 Your server? Claim it

answering

Debt Payoff MCP is answering right now. Last checked moments ago. It exposes 3 tools.

RETIRED - this server is discontinued and its backend is offline. Do not use.

The linked repository no longer exists on GitHub — it was deleted or made private.

Uptime history 91 days of history · worst day 95%

91 days agonow

100.0%

Uptime 24h

92 of 92 checks

Tools

read from the server

103 ms

Response time

average over 24h

open, no key

Access

streamable-http

This one has been quiet for a while

Quiet is not dead — but it is worth knowing when it wakes up, or when someone else takes it over. We watch the repository and tell you either way.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 0 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add debt-payoff-mcp --transport http https://debtfree.rugscore.workers.dev/mcp

Settings → Connectors → Add custom connector, then paste this address

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

{
  "servers": {
    "debt-payoff-mcp": {
      "type": "http",
      "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

URL	Transport	State	Latency	Checked
https://debtfree.rugscore.workers.dev/mcp	streamable-http	answering	78 ms	0 min ago

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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 103 ms. The bar chart above shows every period we have measured.

Is Debt Payoff MCP still maintained?

The linked repository no longer exists on GitHub — it was deleted or made private. We show this because it changes what you can expect: an unmaintained server may keep answering for months and then stop without warning.

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 in the form 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 103 ms on average, which is faster than 93% 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.