Debtfree

io.github.chrisbusbin-pixelPublished by GitHub account chrisbusbin-pixelv1.0.1Updated Oct 24, 2026

Debt payoff calculator: snowball vs avalanche, minimum payment trap, extra-payment impact.

VerifiedSTDIODesktop onlyFinance Data & Analytics

Server details

Identifier: io.github.chrisbusbin-pixel/debtfree
Transport: STDIO
Runtime: Desktop only
Trust: Verified
Published: Sep 16, 2026

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Overview

AI-generated overview

Lets an assistant run debt payoff math: snowball vs avalanche timelines, minimum-payment traps, and extra-payment impact.

What you can do: DebtFree provides calculator tools for debt payoff planning. calculate_debt_payoff builds a full payoff timeline using either the snowball or avalanche strategy, and compare_snowball_vs_avalanche puts both strategies side by side for the same set of debts. calculate_minimum_payment_trap shows the cost of paying only minimums on a credit card, calculate_extra_payment_impact models how much faster and cheaper payoff becomes with an added monthly amount, and get_app_info returns app metadata.
When to use it: Useful when someone asks how long it will take to clear credit card or loan balances, which payoff order to choose, or what an extra monthly payment would save. It fits educational what-if questions about consumer debt rather than personalized financial planning.
Requirements: Runs locally as an npm package (debtfree-mcp-server) over stdio, typically launched with npx from a desktop MCP client configuration. No account, API key, or environment variable is declared.

Before you install

The server returns educational debt math, not personalized financial advice; complex situations such as variable rates, balance transfers, mortgages, or taxes are outside its scope. It is desktop-only and does not run in a web client.

Installation

In SourceWeft

Open Debtfree in the dashboard and add it to a workspace.
Enable the server for the chats that should use its tools.

Desktop only via STDIO. STDIO servers start a local process, so they need the SourceWeft desktop host.

Other MCP clients

Follow the launch instructions in the repository.

README

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

Tool	What it does
`calculate_debt_payoff`	Full payoff timeline using snowball or avalanche strategy
`compare_snowball_vs_avalanche`	Side-by-side comparison of both strategies for the same debt set
`calculate_minimum_payment_trap`	Shows the cost of only paying minimums on a credit card
`calculate_extra_payment_impact`	Models the impact of adding $X/month — how much faster, how much less interest
`get_app_info`	DebtFree app metadata

Installation

Usage with Claude Desktop

Add to claude_desktop_config.json:

json

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

{  "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

Source: README.md at commit 5dbefaf

Tools

SourceWeft has not started this package in its sandbox yet, so its tools are not known.

Version history

v1.0.1LatestSep 16, 2026

Score

50% of the applicable checks met

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Reached in the last 30 days25 pts
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Auth declared10 pts
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Tools listed15 pts
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DescriptionRequired15 pts
Logo10 pts
Documentation15 pts
License10 pts