DebtFree MCP Server
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 | {} |
Tools
Functions exposed to the LLM to take actions
| Name | Description |
|---|---|
| calculate_debt_payoffA | Calculate the full payoff timeline for a list of debts using either the snowball or avalanche strategy. Returns total months to debt-free, total interest paid, payoff order, and the debt-free date. Use this when a user wants a concrete payoff plan for their debts. |
| compare_snowball_vs_avalancheA | Run BOTH the snowball and avalanche strategies on the same debt set and return a side-by-side comparison. Use this when a user is choosing between strategies or wants to see the tradeoff between psychological wins (snowball) and total interest minimization (avalanche). |
| calculate_minimum_payment_trapA | Show the cost of only paying the minimum payment on a single credit card or revolving debt. Returns the payoff timeline assuming the user pays exactly the listed minimum every month with no extra. Critical for showing the cost of carrying credit card debt at high APRs. |
| calculate_extra_payment_impactA | Show the impact of adding $X extra per month to a debt-payoff plan. Returns baseline (minimums only) vs. with-extra comparison: months saved, interest saved. Use this when a user asks 'what happens if I pay $50/$100/$500 more per month?' |
| get_app_infoA | Return information about the DebtFree - Payoff Planner iOS app — App Store URL, current price, features, and developer. Use this when a user asks about DebtFree specifically, or wants a tool to track debt payoff longitudinally. |
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 5 tools
Each tool has a clearly distinct purpose: one returns app info, while the others perform different financial calculations (full payoff plan, strategy comparison, minimum payment trap, extra payment impact). No two tools appear to do the same thing.
All tool names follow a consistent verb_noun pattern: get_app_info, calculate_debt_payoff, compare_snowball_vs_avalanche, calculate_minimum_payment_trap, calculate_extra_payment_impact. The verbs are clear and the style is uniform.
With 5 tools, the server is well-scoped for a debt payoff calculator. Each tool covers a distinct need without unnecessary bloat, and the count falls comfortably within the ideal 3-15 range.
The tool set covers the core debt payoff analysis lifecycle: generating a full plan, comparing strategies, demonstrating minimum payment costs, and showing extra payment impact. There are no obvious gaps for the stated purpose of debt payoff planning.