McpStamp Loan Amortization

io.github.theluckystrikePublished by GitHub account theluckystrikev0.23.0Updated Nov 3, 2026

Loan and lease schedules: level payment, interest split, early settlement cost and journals.

VerifiedStreamable HTTPWeb executableProductivity & WorkflowFinance

Overview

McpStamp Loan Amortization's hosted MCP server (mcp.zovo.one); no sign-in required; Streamable HTTP; 9 tools.

No AI overview yet: these facts come from the registry entry and the server itself.

Endpoint
mcp.zovo.one
Last checked

Installation

In SourceWeft

  1. Open McpStamp Loan Amortization in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/io.github.theluckystrike%2Famortization/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "mcpstamp-loan-amortization": {
      "type": "http",
      "url": "https://mcp.zovo.one/mcp/amortization"
    }
  }
}

README

mcp-amortization

In the official MCP Registry (io.github.theluckystrike/amortization). Loan and lease schedules for an AI assistant. Give it the terms of a credit agreement, the amount, the nominal annual rate in basis points, how often interest compounds, how often a payment falls due, the term in periods, the method, any arrangement fee and any balloon, and it works out the payment, the effective annual rate, and the schedule period by period: opening balance, payment, interest, principal, closing balance. It answers what settling early would cost and save, and hands back the double entry for a payment in the same account names the cash book uses. Everything is integer minor units, and every closing balance reaches the balloon, or zero, exactly. Nothing is sent anywhere: the register is a file on your machine.

npm publish for @theluckystrike/mcp-amortization is pending, so npx -y @theluckystrike/mcp-amortization returns 404 today. Until then, the .mcpb one-click bundle or a clone+build is the working path.

Install

Claude Desktop, macOS ~/Library/Application Support/Claude/claude_desktop_config.json, Windows %APPDATA%\Claude\claude_desktop_config.json:

json
{  "mcpServers": {    "amortization": {      "command": "npx",      "args": ["-y", "@theluckystrike/mcp-amortization"]    }  }}
sh
claude mcp add amortization -- npx -y @theluckystrike/mcp-amortization

Cursor, ~/.cursor/mcp.json (global) or .cursor/mcp.json (project). Same entry as Claude Desktop.

Tools

ToolWhat it does
loan_createRecord a loan or lease from its terms. Returns LOAN-YYYY-NNNN, the level payment, the effective annual rate and the total interest
loan_scheduleThe schedule: opening, payment, interest, principal, closing for every period, and the total interest
loan_repay_earlyWhat settling or overpaying at a period costs: the outstanding balance, the penalty, the recalculated remaining schedule and the interest saved, gross and net of the penalty
loan_journalThe double entry for a period or a month: debit interest expense and loan liability, credit cash, plus an expense_add-ready payload
loan_listThe register, with the balance outstanding and the next payment date at any date
loan_deleteRemove one agreement and give its slot back. Refused, with the entry named, if a journal has already been taken from it
loans_reportWhat is owed per currency, when each next payment falls due, and the interest charged in a calendar year
license_status, license_activateYour tier, and activating a Pro key

Free vs Pro

FreePro
Loans in the register3Unlimited
SchedulesUnlimitedUnlimited
Delete an agreement (loan_delete)YesYes
Early repayment (loan_repay_early)-Yes
Journals (loan_journal)-Yes
Report (loans_report)-Yes

loan_delete is free on purpose. The cap is on agreements held, so recording the same lease twice would otherwise cost two of the three slots with no way back but a key; a duplicate is refused by loan_create before anything is written, naming the record it matches, and anything already in the register comes back out with loan_delete. A loan a journal has been taken from is refused instead, and named, because those lines are already in somebody's ledger.

The schedule is never metered. The payment and the interest are the question this server exists to answer, and a free tier that hides the answer is a demo. The meter is on the number of agreements held, which is the unit of work.

Get Pro: https://mcp.zovo.one/buy/amortization, $19 one-time for this server, or $39 for the bundle.

A measured insight

Quoting a rate per quarter as the nominal rate over four is worth 1.0 percent of the interest, in the lender's favour. Take EUR 10,000 at a nominal 12 percent compounded MONTHLY, repaid in four quarterly instalments. The rate for one quarter is the equivalent rate, (1 + 0.12/12)^3 - 1 = 3.0301 percent, not 0.12/4 = 3.0000 percent. That 3-basis-point difference sets the payment at EUR 2,692.21 instead of EUR 2,690.27 and the total interest at EUR 768.84 instead of EUR 761.08: EUR 7.76 more, 1.0 percent of the whole interest bill, on a one-year loan of ten thousand. The two rates look identical in a quote and diverge in the schedule, which is why this server takes every equivalent rate through the compounding clock and prints the periodic rate it used to six decimal places.

The same arithmetic is why the effective annual rate is reported beside the nominal one on every loan: a nominal 12 percent compounded monthly is an effective 12.68 percent, and 0.68 of a percent is the part of the price the headline rate does not carry.

Privacy

All data stays local, in ${XDG_DATA_HOME:-~/.local/share}/mcp-servers/amortization/. Two files: loans.json and counter.json. No network call is made by this server at all, for any tool. No schedule is stored: every row is derived from the terms on the call, because a stored schedule is a second copy of a figure the rate and the term already decide, and the copy is the one that gets believed after somebody edits the rate.

Built by theluckystrike. https://github.com/theluckystrike

Use these docs as an MCP server

Any MCP client (Claude, Cursor, Windsurf, VS Code) can read this repository's documentation directly via GitMCP - no install:

Source: servers/amortization/README.md at commit 6535b33

Tools

9

loan_create

Record a loan or lease

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.

Parameterskindnamerequirednotelendermethodrequiredcurrencyrequiredrate_bpsrequiredfees_minorstart_daterequiredcompoundingrequiredterm_periodsrequiredballoon_minor+2 more

loan_schedule

Build the amortization 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.

Parametersloanrequiredyearlimitfrom_period

loan_repay_early

Settle or overpay a loan 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.

Parametersloanrequiredlimitextra_minoras_of_periodrequiredkeep_paymentpenalty_minor

loan_journal

Journal a loan payment

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.

Parametersloanrequiredmonthperiodcategorycash_accountinterest_accountliability_account

loan_list

List the loan register

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.

Parameterskindas_oflimitcurrency

loan_delete

Delete a loan from the register

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.

Parametersloanrequired

loans_report

Report what is owed and what it costs

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.

Parametersyearas_ofcurrency

license_status

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.

Takes no parameters.

license_activate

Activate license

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.

Parameterskeyrequired

Version history

4
  1. v0.23.0LatestNov 3, 2026
  2. v0.22.6Oct 14, 2026
  3. v0.22.0Sep 17, 2026
  4. v0.21.0Sep 16, 2026

Score

100% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts