Lease Schedule

io.github.theluckystrikePublished by GitHub account theluckystrikev0.22.6Updated Oct 24, 2026

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

VerifiedSTDIODesktop onlyProductivity & WorkflowFinance

Overview

AI-generated overview

Local MCP server that builds loan and lease amortization schedules, early-repayment costs and double-entry journals from the terms of a credit agreement.

What you can do
  • Create and list loans or leases from their terms, with payment, effective annual rate and total interest
  • Produce period-by-period schedules: opening balance, payment, interest, principal, closing balance
  • Calculate early settlement or overpayment costs, penalty and interest saved
  • Generate double-entry journals for a period or month, plus an expense-ready payload
  • Report amounts owed per currency, next due dates and interest charged in a calendar year
  • Check license tier and activate a Pro key
When to use it
Useful when an assistant has to work out payments, interest splits and schedules for loans or leases, or answer what settling early would cost, without sending the figures anywhere. Suited to bookkeeping and finance work that needs consistent integer minor-unit arithmetic.
Requirements
Runs as a local process on the desktop; the npm package is not yet published, so the .mcpb bundle or a clone-and-build is the working install path. Data is stored locally under the user's data directory. A Pro license key in MCP_LICENSE_KEY is optional and verified offline.
Before you install
The free tier holds three agreements; early repayment, journals and reports require a Pro key, sold as a one-time purchase. Deleting an agreement is refused once a journal has been taken from it. Financial figures should be checked before being relied on in a ledger.

Installation

In SourceWeft

  1. Open Lease Schedule in the dashboard and add it to a workspace.
  2. 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

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

0
SourceWeft has not started this package in its sandbox yet, so its tools are not known.

Version history

3
  1. v0.22.6LatestOct 14, 2026
  2. v0.22.3Sep 23, 2026
  3. v0.21.0Sep 16, 2026

Score

50% 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 days25 pts

    Keep the endpoint answering the MCP handshake; SourceWeft probes it every 30 days.

  • Auth declared10 pts

    Declare the credential headers in the registry entry, or keep the endpoint answering the probe so its auth can be classified.

  • Tools listed15 pts

    Answer tools/list without a credential, or ship a package that starts in a sandbox without one.

  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts