Lease Schedule

io.github.theluckystrike由 GitHub 帳號 theluckystrike 發布v0.22.6更新於 Oct 24, 2026

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

已驗證STDIO僅桌面效率與工作流金融

概覽

AI 產生的概覽

本機 MCP 伺服器,依信用協議條款產生貸款與租賃攤銷表、提前還款成本以及複式記帳分錄。

可以做什麼
  • 依條款建立並列出貸款或租賃,給出每期還款額、實質年利率與總利息
  • 產生逐期攤銷表:期初餘額、還款、利息、本金、期末餘額
  • 計算提前清償或超額還款的成本、違約金與節省的利息
  • 產生某一期或某月的複式記帳分錄,並附可直接入帳的資料
  • 依幣別彙總欠款、下次還款日以及某一曆年度的利息
  • 查詢授權等級並啟用 Pro 金鑰
適用情境
適合需要為貸款或租賃計算還款額、利息拆分與攤銷表,或回答提前清償代價的情境,且不希望資料外傳。適用於要求以整數最小貨幣單位精確計算的記帳與財務工作。
執行需求
以本機程序在桌面端執行;npm 套件尚未發布,目前可用 .mcpb 一鍵包或複製後自行建置安裝。資料存放在本機使用者資料目錄。MCP_LICENSE_KEY 中的 Pro 授權金鑰為選用,離線驗證。
安裝前請注意
免費版最多保存三筆協議;提前還款、記帳分錄與報表需要 Pro 金鑰,為一次性付費購買。已產生過記帳分錄的協議無法刪除。涉及帳務的金額應在採用前自行核對。

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 Lease Schedule,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。

Desktop only,透過 STDIO。 STDIO 服務會啟動本機處理程序,因此需要 SourceWeft 桌面主機。

其他 MCP 客戶端

參照 儲存庫 中的啟動說明。

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

0
SourceWeft 尚未在沙箱中啟動過該軟體包,因此其工具未知。

版本歷史

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

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