Showrealcost is answering right now. Last checked 10 min ago. It exposes 9 tools.
Loan-cost math: payments, payoff time, offers with fees, payday loans, Rule of 78s, Fed rates.
Uptime history
18 days of history · worst day 2%
18 days agonow
36.3%
Uptime 24h
33 of 91 checks
9
Tools
read from the server
265 ms
Response time
average over 24h
open, no key
Access
streamable-http
Showrealcost does not always answer
Over the last week it answered 22.0% 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 10 min ago.
run in your terminal
claude mcp add showrealcost --transport http https://mcp.showrealcost.com/mcpSettings → Connectors → Add custom connector, then paste this address
https://mcp.showrealcost.com/mcp~/.codex/config.toml
[mcp_servers.showrealcost]
url = "https://mcp.showrealcost.com/mcp".cursor/mcp.json
{
"mcpServers": {
"showrealcost": {
"url": "https://mcp.showrealcost.com/mcp"
}
}
}.vscode/mcp.json
{
"servers": {
"showrealcost": {
"type": "http",
"url": "https://mcp.showrealcost.com/mcp"
}
}
}Available tools 9
Read directly from the server with tools/list, grouped by what they act on.
If a tool disappears, we record the date.
average
average_loan_rates
The latest Federal Reserve (G.19) average interest rates at commercial banks for a 24-month personal loan, 60- and 72-month new car loans, and credit cards, with the change from the previous quarter and from a year earlier. Optionally compares a rate someone was offered with the average and gives the gap in dollars. Averages across banks, never any one lender; quarterly figures bundled with the server, not live quotes. Use for "what is the average car loan rate", "have personal loan rates gone up" and "is 9% high for a car loan".
compare
compare_loan_offers
Compare two to four loan offers with different rates and fees fairly: each offer is sized so the borrower receives the same cash, then compared on payment, total cost of borrowing (interest plus fees) and estimated APR. Use for "is a lower rate with an origination fee cheaper than a higher rate with none".
debt
debt_payoff_plan
Simulate paying off several debts with minimum payments plus an optional extra each month, highest rate first (avalanche) and smallest balance first (snowball), against minimums only. Returns months to debt-free and total interest for each. Use for "avalanche or snowball on my debts" and "what does $200 extra a month do".
loan
loan_payment
For a fixed-rate installment loan (personal, auto, any level-payment loan): the monthly payment, total interest, total repaid, how the first payment splits between interest and principal, and optionally how much has been paid and is still owed after a number of payments. Use for "what will this loan cost" and "where did my payments go".
payday
payday_loan_cost
For a payday loan, title loan, pawn loan, cash-advance app or any loan priced by a fee for a number of days: the fee in dollars, the APR, and what renewing (rolling over) costs. Use for "what is the APR on a $500 payday loan at $15 per $100" and "what does rolling it over cost".
payoff
payoff_time
How long a balance (credit card or loan) takes to pay off at a fixed monthly payment, and the interest paid. Use for "how long to pay off my card at $X a month" and for comparing a bigger payment by calling it twice.
per
per_diem_interest
The interest a simple-interest loan adds each day, and over a number of days. Use for reading a payoff letter, for "how much more is my payoff than my statement balance", and for the cost of a skipped or deferred payment.
precomputed
precomputed_loan_payoff
For a precomputed or add-on interest loan (common from dealers, finance companies and furniture stores): the payoff after a number of payments under the Rule of 78s and under the actuarial method, and how much more the Rule of 78s keeps. Use for "why is my payoff different from my balance".
refinance
refinance_check
Compare keeping a loan against a refinance offer, from today forward: interest remaining on the current loan, interest on the new loan, and what happens if the borrower takes the new rate but keeps paying the old payment. Use for "the new loan has a lower payment, does it actually save money".
Endpoints
| URL | Transport | State | Latency | Checked |
|---|---|---|---|---|
| https://mcp.showrealcost.com/mcp | streamable-http | answering | 238 ms | 10 min ago |
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Showrealcost — questions
Answers built from our own checks of this server.
What can Showrealcost do?
It exposes 9 tools, read directly from the server on our last check. Among them: average_loan_rates, compare_loan_offers, debt_payoff_plan, loan_payment, payday_loan_cost, payoff_time and 3 more. 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 Showrealcost working right now?
We send a real MCP handshake every 15 minutes. Over the last 24 hours 33 of 91 checks got a reply (36.3%), average response time 265 ms. The bar chart above shows every period we have measured.
How do I connect Showrealcost?
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 Showrealcost need an API key?
No. Showrealcost completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 9 of them are readable on this page. This is what we observed, not what the docs claim.
How fast is Showrealcost?
It answers our handshake in 265 ms on average, which is faster than 62% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.