therealcost-mcp
Server Configuration
Describes the environment variables required to run the server.
| Name | Required | Description | Default |
|---|---|---|---|
No arguments | |||
Instructions
Guidance the server publishes about itself, which clients place ahead of the tool catalog so the model reads it before choosing anything.
This server publishes no instructions, or was last inspected before Glama recorded them.
Capabilities
Features and capabilities supported by this server
Protocol revision2025-11-25
| Capability | Details |
|---|---|
| tools | {
"listChanged": false
} |
| experimental | {} |
Tools
Functions exposed to the LLM to take actions
| Name | Description |
|---|---|
| credit_card_payoffA | Credit card payoff: months and total interest to clear a balance paying only the card minimum, versus a fixed monthly payment (optional), and the difference. Returns the formula in words and a pre-filled link to The Real Cost's free calculator. Education only. |
| debt_consolidationA | Debt consolidation: compare current debts (each with balance, APR, monthly payment) against one consolidation loan, including the origination fee taken out of the loan. Returns monthly payment, months, total interest and total cost for both, the formula, and a pre-filled calculator link. Education only. |
| loan_cost_by_termA | Loan cost by term: monthly payment, total interest and total paid for the same loan over several terms (default 36, 48, 60, 72, 84 months). Returns the formula and a pre-filled calculator link. Education only. |
| crypto_trade_costA | Crypto trading cost: the trading fee, spread and network fees on a buy and a later sale at the same price, the price rise needed to break even, and (with weekly_buy) the yearly cost of recurring buys. Returns the formula and a pre-filled calculator link. Education only, not investment advice. |
| emergency_fundA | Emergency fund: goal = monthly expenses x months to cover, months to reach it from current savings and a monthly deposit (optional APY), and the monthly amount needed to reach it by a target date or number of months. Returns the formula and a pre-filled calculator link. Education only. |
| list_guidesA | List The Real Cost's ten plain-English money guides (titles, page counts, what each covers, $4.99 each; guides 1-3 also as a $9.98 starter pack) with the link to the guides page. Use when a user wants to go deeper than one calculation. |
Prompts
Interactive templates invoked by user choice
| Name | Description |
|---|---|
No prompts | |
Resources
Contextual data attached and managed by the client
| Name | Description |
|---|---|
No resources | |
TDQS
Scored across 6 tools
Each calculator targets a clearly distinct financial scenario (credit card payoff, debt consolidation, loan term comparison, crypto trading costs, emergency fund), so an agent can easily select the right one. list_guides is also clearly separate as a guide-listing tool. No overlapping purposes or ambiguous boundaries.
All names use a consistent lowercase snake_case style and are highly readable. There is one minor deviation in convention: list_guides uses a verb_noun pattern, while the calculators use descriptive noun phrases. Still, the set feels predictable overall.
Six tools is well-scoped for a focused financial education/calculator server. Each tool covers a distinct calculation or resource, so none feels redundant or missing from a count perspective. The surface is compact and purposeful.
The server covers core money-cost calculators and guides, with a generic loan term tool that can handle many loan types. Minor gaps exist, such as no explicit savings goal or mortgage-specific calculator beyond loan_cost_by_term, but agents can work around them. Overall the surface is near-complete for the stated educational purpose.