The Real Cost MCP server
io.github.NoBanks/therealcost-mcp·v0.1.0Free US money calculators with the math shown, from The Real Cost. Education only.
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If you have run it, two minutes of your experience saves the next person an afternoon.
The Real Cost tools
No tool declarations could be read from the package source. They show once the server is installed.
Public scan report
scanner v0.1.10 · 2026-10-02 · same rubric, same numbers if you re-run it
- Code scan7 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 0 days ago15/15
- Maintainer identityregistry namespace matches repository owner; GitHub account older than a year8/10
How The Real Cost compares
Against every graded MCP server, from our own scans and uptime checks. Updated after each scan run.
- Safety score
- 92/100
- higher than 95% of 48,255 servers
Install The Real Cost in Claude Code, Cursor or VS Code
claude mcp add therealcost-mcp -- uvx therealcost-mcp
What the publisher says
From the The Real Cost repository's README, as published. We do not edit it. Read it on GitHub
therealcost-mcp
Free money calculators for AI agents, from The Real Cost.
The Real Cost by NoBanks Nearby is a free set of US money calculators with the math shown: credit card payoff, debt consolidation, loan cost by term, crypto trading fees and emergency fund. This MCP server lets Claude and other AI assistants run those exact calculators and hand the user a link to the same calculator on the site, already filled in with their numbers, so they can check the math and keep adjusting it.
- Site: https://therealcost.nohumannearby.com
- All calculators: https://therealcost.nohumannearby.com/calculators/
- Guides: https://therealcost.nohumannearby.com/books/
Education only. Not financial advice. Results are estimates from the numbers entered.
<!-- mcp-name: io.github.NoBanks/therealcost-mcp -->
What every result includes
Each calculator tool returns JSON with:
The math is a line-for-line port of the site's own calculator code, and the test suite reuses the site's hand-checked cases, so a number from this server matches the number on the site. No network calls, no API keys, no tracking.
The guides
The Real Cost also publishes ten plain-English guides that go deeper than any one calculation, with every number worked out step by step (PDF and EPUB):
$4.99 each at https://therealcost.nohumannearby.com/books/ . All ten come together as the complete set for $24.95 (10 for the price of 5). Guides 1-3 also come as a starter pack for $9.98 (3 for the price of 2); the starter pack does not include guides 4-10.
Free sample chapters (Chapter 1 of each guide, PDF):
- https://therealcost.nohumannearby.com/samples/the-real-cost-of-credit-card-debt-chapter-1.pdf
- https://therealcost.nohumannearby.com/samples/the-real-cost-of-loans-and-big-purchases-chapter-1.pdf
- https://therealcost.nohumannearby.com/samples/the-real-cost-of-everyday-spending-chapter-1.pdf
- https://therealcost.nohumannearby.com/samples/the-real-cost-of-crypto-fees-and-taxes-chapter-1.pdf
- https://therealcost.nohumannearby.com/samples/the-real-cost-of-credit-reports-and-scores-chapter-1.pdf
- https://therealcost.nohumannearby.com/samples/the-real-cost-of-paychecks-and-taxes-chapter-1.pdf
- https://therealcost.nohumannearby.com/samples/the-real-cost-of-retirement-accounts-chapter-1.pdf
- https://therealcost.nohumannearby.com/samples/the-real-cost-of-student-loans-chapter-1.pdf
- https://therealcost.nohumannearby.com/samples/the-real-cost-of-renting-and-buying-a-home-chapter-1.pdf
- https://therealcost.nohumannearby.com/samples/the-real-cost-of-scams-and-fraud-chapter-1.pdf
Shortened. The full README is on GitHub.
Nothing above is checked by us. What we check is on the safety report.
The Real Cost: common questions
- Is The Real Cost MCP server safe?
- Yes, by our scan: it is graded A (92/100). Read the The Real Cost safety report
- How do I install The Real Cost?
- It runs on your machine. Copy the Claude Code, Cursor, VS Code or Claude Desktop config from the install section.
- Does The Real Cost need an API key?
- Not as far as the registry entry and our scan can tell: no credentials are declared or required.
- Is The Real Cost maintained?
- The last commit was 33 days ago (2026-10-02). The latest release is v0.1.0.