MCP Loan Calculator — monthly payments and full amortization in one sentence

Give Claude (or any MCP client) real loan math: loan_payment for the monthly payment and total interest of a loan, loan_amortize for the full month-by-month schedule. Standard amortization formula, computed on your machine, no rate-shopping site and no spreadsheet.

Why a loan server

Mortgage and loan calculators on the web bury the answer under ads and lead forms. Here you ask "what's the monthly payment on a 420,000 loan at 5.5% for 25 years" and get the number, the total interest, and — if you want it — every row of the amortization schedule: principal vs interest per month, balance after each payment, the month the balance crosses half. Useful for comparing offers side by side in one conversation.

What it does

• loan_payment — principal, annual rate (%), term in years → monthly payment, total paid, total interest. Zero-interest loans are handled exactly (straight-line division), not by a formula edge case.
• loan_amortize — the same inputs → the full schedule, month by month, with running balance. Ask for "first 12 months" or the whole term.

Install

{
  "mcpServers": {
    "mcp-loan-calculator": {
      "command": "npx",
      "args": ["-y", "github:theluckystrike/mcp-loan-calculator"]
    }
  }
}

Try it

• "Monthly payment on a 420,000 mortgage at 5.5% over 25 years, plus total interest."
• "Amortize a 30,000 car loan at 7.9% for 5 years — show me the first year."
• "Compare: 25 years at 5.5% vs 20 years at 5.2%. Which costs less overall?"

Part of the luckystrike MCP suite

Free, part of the luckystrike MCP suite — productivity & finance servers that turn AI chat into working documents and calculations. Listing in the official MCP Registry.

Docs (GitMCP)

Live docs endpoint: https://gitmcp.io/theluckystrike/mcp-loan-calculator