Amortization MCP Server

by theluckystrike Your server? Claim it

answering

Amortization is answering right now. Last checked 11 min ago. It exposes 9 tools. Last commit 9 Sep 2026.

Loan and lease schedules: payment, interest, early settlement and the journal, to the minor unit.

Uptime history 5 days of history

5 days agonow

100.0%

Uptime 24h

92 of 92 checks

Tools

read from the server

249 ms

Response time

average over 24h

Stars

last commit 9 Sep 2026

What changed 12

Every tool that appeared, vanished or quietly changed what it asks for. Recorded since 9 September 2026. No other catalogue keeps this.

10 Sep 4 tool descriptions were rewritten license_activate, loan_journal, loan_list and 1 more

9 Sep 6 tool descriptions were rewritten7 times that day license_activate, license_status, loan_create and 3 more

9 Sep a tool changed the parameters it asks for license_activate

and 1 more, back to 9 September 2026

Nothing serious here today

Today is the operative word: we check Amortization every 15 minutes and re-read its code on every release. Watch it and you find out the day that stops being true.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 11 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add amortization --transport http https://mcp.zovo.one/mcp/amortization

~/Library/Application Support/Claude/claude_desktop_config.json

{
  "mcpServers": {
    "amortization": {
      "url": "https://mcp.zovo.one/mcp/amortization"
    }
  }
}

~/.codex/config.toml

[mcp_servers.amortization]
url = "https://mcp.zovo.one/mcp/amortization"

.cursor/mcp.json

{
  "mcpServers": {
    "amortization": {
      "url": "https://mcp.zovo.one/mcp/amortization"
    }
  }
}

.vscode/mcp.json

{
  "mcpServers": {
    "amortization": {
      "url": "https://mcp.zovo.one/mcp/amortization"
    }
  }
}

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.

loan

loan_create

Record a loan or lease and return its id, level payment and effective annual rate. principal_minor, fees and balloon are whole MINOR units; rate_bps is the nominal annual rate in basis points. Free: 3 agreements.

loan_delete

Remove one loan or lease from the register and give its free-tier slot back. Refused, with the entry named, if a journal has already been taken from it. Free.

loan_journal

Return the double entry for one payment period or month: debit interest expense and loan liability, credit cash, in the cash book's account names, with an expense_add-ready payload. Give period or month, not both. Pro.

loan_list

List the register with terms, level payment, effective annual rate and, at as_of, periods paid, balance outstanding, interest to date and the next payment, totalled per currency. Free; loans_report is the Pro roll-up.

loan_repay_early

Work out what settling or overpaying costs as of a period: the outstanding balance, the penalty if one is given, the recalculated remaining schedule and the interest saved, stated gross and net of the penalty. Pro.

loan_schedule

Build one loan's schedule: opening balance, payment, interest, principal and closing per period, with total interest. The last period absorbs rounding, landing exactly on the balloon or zero. loans_report totals it.

license

license_activate

Turn Pro on for this connection with key, an MCPL1.<payload>.<signature> issued at checkout for this server or the bundle. Data under your token stays; a wrong or expired key changes nothing. license_status confirms it.

license_status

Report this endpoint's licence state for your token as JSON: the product, the tier free or pro, why it is not Pro, and the checkout URL. Call it to explain a free-tier refusal. No arguments, nothing changes.

loans

loans_report

The debt at as_of: per loan what is outstanding, whether it is settled, the next payment, and the interest and principal charged in a year, then totals per currency. Contractual balance, not cash paid. Pro.

Endpoints

URL	Transport	State	Latency	Checked
https://mcp.zovo.one/mcp/amortization	streamable-http	answering	458 ms	11 min ago

Alternatives to Amortization

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Lease Schedule

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Lease schedules with a residual: the payment, the interest split and the journal per month.

local only

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local only

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Amortization — questions

Answers built from our own checks of this server.

What can Amortization do?

It exposes 9 tools, read directly from the server on our last check. Among them: license_activate, license_status, loan_create, loan_delete, loan_journal, loan_list 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 →

What is Amortization mostly used for?

Its tools cluster around loan and license. That is what this server is built to work with — the grouping comes from the actual tool names, not from a category we assigned.

Is Amortization 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 249 ms. The bar chart above shows every period we have measured.

How do I connect Amortization?

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 Amortization need an API key?

No. Amortization 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 Amortization?

It answers our handshake in 249 ms on average, which is faster than 60% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.

Is Amortization open source?

Yes — it is published under the MIT licence, written in JavaScript 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.