Loan-cost math: payments, payoff time, offers with fees, payday loans, Rule of 78s, Fed rates.
| Endpoint | https://mcp.showrealcost.com/mcp (streamable-http) |
|---|---|
| Registry version | 0.1.0 |
| Now | 9 tools · grade A (93) · pin ts_b68803284d8c975cf622f646d256ab3f · protocol 2025-06-18 |
| First / last listed | 2026-10-26 04:46 UTC / 2026-10-26 04:46 UTC |
| Grade over time | 2026-10-26: A (93), 9 tools |
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Tools: loan_payment payoff_time compare_loan_offers payday_loan_cost refinance_check precomputed_loan_payoff per_diem_interest debt_payoff_plan average_loan_rates
loan_payment | For a fixed-rate installment loan (personal, auto, any level-payment loan): the monthly payment, total interest, total repaid, how the first payment splits between interest and principal, and optionally how much has been paid and is still owed after a number of payments. Use for "what will this loan cost" and "where did my payments go". params: amount*, annual_rate_pct*, months*, payments_made |
payoff_time | How long a balance (credit card or loan) takes to pay off at a fixed monthly payment, and the interest paid. Use for "how long to pay off my card at $X a month" and for comparing a bigger payment by calling it twice. params: balance*, annual_rate_pct*, monthly_payment* |
compare_loan_offers | Compare two to four loan offers with different rates and fees fairly: each offer is sized so the borrower receives the same cash, then compared on payment, total cost of borrowing (interest plus fees) and estimated APR. Use for "is a lower rate with an origination fee cheaper than a higher rate with none". params: cash_needed*, offers* |
payday_loan_cost | For a payday loan, title loan, pawn loan, cash-advance app or any loan priced by a fee for a number of days: the fee in dollars, the APR, and what renewing (rolling over) costs. Use for "what is the APR on a $500 payday loan at $15 per $100" and "what does rolling it over cost". params: amount*, fee_per_100, flat_fee, term_days*, renewals |
refinance_check | Compare keeping a loan against a refinance offer, from today forward: interest remaining on the current loan, interest on the new loan, and what happens if the borrower takes the new rate but keeps paying the old payment. Use for "the new loan has a lower payment, does it actually save money". params: balance*, current_rate_pct*, current_payment*, new_rate_pct*, new_months*, new_loan_fee |
precomputed_loan_payoff | For a precomputed or add-on interest loan (common from dealers, finance companies and furniture stores): the payoff after a number of payments under the Rule of 78s and under the actuarial method, and how much more the Rule of 78s keeps. Use for "why is my payoff different from my balance". params: amount*, annual_rate_pct*, months*, payments_made* |
per_diem_interest | The interest a simple-interest loan adds each day, and over a number of days. Use for reading a payoff letter, for "how much more is my payoff than my statement balance", and for the cost of a skipped or deferred payment. params: balance*, annual_rate_pct*, days* |
debt_payoff_plan | Simulate paying off several debts with minimum payments plus an optional extra each month, highest rate first (avalanche) and smallest balance first (snowball), against minimums only. Returns months to debt-free and total interest for each. Use for "avalanche or snowball on my debts" and "what does $200 extra a month do". params: debts*, extra_per_month |
average_loan_rates | The latest Federal Reserve (G.19) average interest rates at commercial banks for a 24-month personal loan, 60- and 72-month new car loans, and credit cards, with the change from the previous quarter and from a year earlier. Optionally compares a rate someone was offered with the average and gives the gap in dollars. Averages across banks, never any one lender; quarterly figures bundled with the se params: loan_type, offered_rate_pct, amount, months |
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