Debt Payoff Calculator MCP tool

• debts

  array required

  List of debts. Each item: { name?: string, balance: number, interest_rate: number (APR percent), minimum_payment: number }.

• extra_payment

  number optional

  Extra amount paid every month on top of all minimums. Default: 0.

• strategy

  string optional

  avalanche (highest interest first) or snowball (lowest balance first). Default: avalanche. One of avalanche · snowball.

{
  "debts": [
    {
      "name": "Credit Card 1",
      "balance": 5000,
      "interest_rate": 18.99,
      "minimum_payment": 150
    }
  ],
  "extra_payment": 200
}