McpStamp Loan Amortization

io.github.theluckystrike由 GitHub 帳號 theluckystrike 發布v0.23.0更新於 Nov 3, 2026

貸款與租賃計劃表：等額還款、利息拆分、提前結清費用及日記帳。

AI 翻譯由 AI 模型根據下方的原文描述翻譯，可能有誤。

原文描述

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

已驗證Streamable HTTP可網頁執行效率與工作流金融

概覽

McpStamp Loan Amortization 的託管 MCP 服務（mcp.zovo.one）；無需登入；Streamable HTTP；9 個工具。

暫無 AI 概覽：以下資訊來自註冊中心條目和服務本身。

端點
mcp.zovo.one
最近檢查

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 McpStamp Loan Amortization，將其新增到工作區。
  2. 為需要使用其工具的對話啟用該服務。

Web executable，透過 Streamable HTTP。 遠端服務在工作區中設定後即可從網頁執行環境執行。

交給代理程式安裝

把這段提示詞貼上到 Claude Code、Codex、Cursor 等代理程式，或 SourceWeft 對話中。代理程式會讀取該伺服器的安裝指南，先向你展示發布者、端點和登入方式，經你同意後再把它新增到你的客戶端。金鑰不會寫進任何命令。

閱讀 https://sourceweft.com/mcp/io.github.theluckystrike%2Famortization/install.md，並按其中說明把這個 MCP 伺服器接入我的客戶端。修改任何設定之前，先告訴我它的發布者、端點和登入方式，等我確認。不要把 API 金鑰寫進命令或我會提交的檔案；問我金鑰應從哪裡取得。

檢視代理程式所依據的安裝指南

其他 MCP 客戶端

把它新增到你客戶端的 mcpServers 設定中。

{
  "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:

來源：servers/amortization/README.md，提交 6535b33

工具

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.

輸入參數kindname必填notelendermethod必填currency必填rate_bps必填fees_minorstart_date必填compounding必填term_periods必填balloon_minor另有 2 個

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.

輸入參數loan必填yearlimitfrom_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.

輸入參數loan必填limitextra_minoras_of_period必填keep_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.

輸入參數loan必填monthperiodcategorycash_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.

輸入參數kindas_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.

輸入參數loan必填

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.

輸入參數yearas_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.

無需輸入參數。

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.

輸入參數key必填

版本歷史

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

評分

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