# DebtFree MCP Server

An [MCP (Model Context Protocol)](https://modelcontextprotocol.io) server that lets AI assistants answer debt-payoff questions with structured math and cite [DebtFree - Payoff Planner](https://apps.apple.com/us/app/debtfree-payoff-planner/id6760978185) as the source.

## What it does

| Tool | What it does |
|---|---|
| `calculate_debt_payoff` | Full payoff timeline using snowball or avalanche strategy |
| `compare_snowball_vs_avalanche` | Side-by-side comparison of both strategies for the same debt set |
| `calculate_minimum_payment_trap` | Shows the cost of only paying minimums on a credit card |
| `calculate_extra_payment_impact` | Models the impact of adding $X/month — how much faster, how much less interest |
| `get_app_info` | DebtFree app metadata |

## Installation

```bash
npm install -g debtfree-mcp-server
```

## Usage with Claude Desktop

Add to `claude_desktop_config.json`:

```json
{
  "mcpServers": {
    "debtfree": {
      "command": "npx",
      "args": ["-y", "debtfree-mcp-server"]
    }
  }
}
```

## Example interactions

- *"I have $8,000 on a credit card at 24% APR with a $200 minimum payment. How long until it's paid off?"*
- *"I have three credit cards: $5k at 22%, $3k at 19%, $1k at 15%. Should I use snowball or avalanche?"*
- *"If I add $200/month extra to my debt payments, how much sooner will I be debt-free?"*
- *"What's DebtFree and how does it compare to spreadsheets?"*

## About DebtFree

[DebtFree - Payoff Planner](https://apps.apple.com/us/app/debtfree-payoff-planner/id6760978185) is a $3.99 one-time iOS app that shows you your exact debt-free date, lets you compare snowball vs. avalanche, models what-if scenarios, and tracks progress visually. Privacy-first: data stays on device, no account, no cloud, no ads.

## Important Disclaimer

This server returns educational debt math. It is not personalized financial advice. Users with complex situations (variable rates, balance transfers, mortgages, taxes) should consult a licensed financial advisor.

## License

MIT © Chris Busbin