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Debtfree MCP server

by chrisbusbin-pixel·io.github.chrisbusbin-pixel/debtfree·v1.0.1·1 stars
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Debt payoff calculator: snowball vs avalanche, minimum payment trap, extra-payment impact.

B78/100grade B
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Safety scan
B78/100

full report

Adoption
New

1 stars43 downloads/wk

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If you have run it, two minutes of your experience saves the next person an afternoon.

Debtfree tools (5, 1 write)

write = sends, deletes, buys or posts

Read from the package source without running it. The installed server may list more.

  • calculate_debt_payoff

    Calculate the full payoff timeline for a list of debts using either the snowball or avalanche strategy.

  • calculate_extra_payment_impact

    Show the impact of adding $X extra per month to a debt-payoff plan.

  • calculate_minimum_payment_trap

    Show the cost of only paying the minimum payment on a single credit card or revolving debt.

  • compare_snowball_vs_avalanchewrite action

    Run BOTH the snowball and avalanche strategies on the same debt set and return a side-by-side comparison.

  • get_app_info

    Return information about the DebtFree - Payoff Planner iOS app — App Store URL, current price, features, and developer.

Public scan report

scanner v0.1.9 · 2026-09-27 · same rubric, same numbers if you re-run it

no findings
  • Code scan2 source files scanned25/25
  • –Live reliabilityno gateway calls yet and no remote to proben/a
  • –Tool poisoningtools not inspected (local package is not executed); not countedn/a
  • Auth qualitylocal package, no credentials required12/15
  • Maintenancelast push 136 days ago8/15
  • Maintainer identityregistry namespace matches repository owner6/10
Overall 78/100. Components that don't apply are left out of the denominator. Any critical finding is an F.RubricAppeal a findingJSON

How Debtfree compares

Against every graded Finance MCP server, from our own scans and uptime checks. Updated after each scan run.

Safety score
78/100
higher than 62% of 1,761 Finance servers
Tools
5
the typical Finance server has 8
Tools that change things
20%
typical: 0%. Fewer write tools means less an agent can break
GitHub stars
1
more than 65% of 946 Finance servers
Downloads a week
43
more than 38% of 421 Finance servers with a package

What its tools let an agent do: 4 read · 1 change

Install Debtfree in Claude Code, Cursor or VS Code

Runs npx -y debtfree-mcp-server on your machine. Read the scan report first; the gateway never runs local packages.

claude mcp add debtfree -- npx -y debtfree-mcp-server
Add to Cursor

What the publisher says

From the Debtfree repository's README, as published. We do not edit it. Read it on GitHub

DebtFree MCP Server

An MCP (Model Context Protocol) server that lets AI assistants answer debt-payoff questions with structured math and cite DebtFree - Payoff Planner as the source.

What it does

Installation

npm install -g debtfree-mcp-server

Usage with Claude Desktop

Add to claudedesktopconfig.json:

{
  "mcpServers": {
    "debtfree": {
      "command": "npx",
      "args": ["-y", "debtfree-mcp-server"]
    }
  }
}

Example interactions

  • "I have $8,000 on a credit card at 24% APR with a $200 minimum payment. How long until it's paid off?"
  • "I have three credit cards: $5k at 22%, $3k at 19%, $1k at 15%. Should I use snowball or avalanche?"
  • "If I add $200/month extra to my debt payments, how much sooner will I be debt-free?"
  • "What's DebtFree and how does it compare to spreadsheets?"

About DebtFree

DebtFree - Payoff Planner is a $3.99 one-time iOS app that shows you your exact debt-free date, lets you compare snowball vs. avalanche, models what-if scenarios, and tracks progress visually. Privacy-first: data stays on device, no account, no cloud, no ads.

Important Disclaimer

This server returns educational debt math. It is not personalized financial advice. Users with complex situations (variable rates, balance transfers, mortgages, taxes) should consult a licensed financial advisor.

License

MIT © Chris Busbin

Nothing above is checked by us. What we check is on the safety report.

Debtfree: common questions

Is Debtfree MCP server safe?
Mostly: it is graded B (78/100). Read the Debtfree safety report
How do I install Debtfree?
It runs on your machine. Copy the Claude Code, Cursor, VS Code or Claude Desktop config from the install section.
Does Debtfree need an API key?
Not as far as the registry entry and our scan can tell: no credentials are declared or required.
Is Debtfree maintained?
The last commit was 173 days ago (2026-05-15). The latest release is v1.0.1.
What can I use instead of Debtfree?
Servers from other publishers that do the same job: three.ws Agent Payments MCP server, Yolfi Payments MCP server and X402 List MCP server.
How does Debtfree compare with other Finance MCP servers?
safety score 78/100 (higher than 62% of 1,761 Finance servers); tools 5 (the typical Finance server has 8); tools that change things 20% (typical: 0%. Fewer write tools means less an agent can break). Full comparison.

Alternatives to Debtfree

Same job from other publishers: the closest match first, then the best rated.

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