Debt Payoff MCP Server

by comil27 Your server? Claim it

answering

Debt Payoff MCP is answering right now. Last checked 12 min 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 51 days of history · worst day 94%

51 days agonow

96.7%

Uptime 24h

88 of 91 checks

Tools

read from the server

73 ms

Response time

average over 24h

open, no key

Access

streamable-http

Debt Payoff MCP does not always answer

Over the last week it answered 98.6% of our checks. We check every 15 minutes, so you hear about the next outage within the hour — not from your users.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 12 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

~/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

URL	Transport	State	Latency	Checked
https://debtfree.rugscore.workers.dev/mcp	streamable-http	answering	85 ms	12 min ago

Alternatives to Debt Payoff MCP

same job, measured the same way

Solrisk MCP

by comil27

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

1 tools local only

Etsy Tags MCP

by comil27

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

1 tools local only

Verify

by forestrie

MCP verification server for Forestrie receipts — offline, no backend, no key, no network

435 installs/wk local only

Walkthrough MCP

by mrfentmen

Use this MCP server to retro game walkthroughs, FAQs, and cheats, backed by StrategyWiki's open...

local only

Rebase

by rebasepro

Schema, database, document, user and dev-server tools for a Rebase backend project.

659 installs/wk local only

Nansen (DEPRECATED)

by hurcannansen

DEPRECATED - This server has been moved to io.github.nansen-ai/nansen-mcp. Do not use.

local only

Federal Register MCP

by mrfentmen

Use this MCP server to Federal Register documents, rules, notices, and agencies. Tools include...

local only

Steam MCP

by mrfentmen

Use this MCP server to Steam, store search, prices and discounts, app details, and game news....

4 installs/wk local only

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 88 of 91 checks got a reply (96.7%), average response time 73 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 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 73 ms on average, which is faster than 87% 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.