# io.github.chrisbusbin-pixel/debtfree (npm · debtfree-mcp-server)

Debt payoff calculator: snowball vs avalanche, minimum payment trap, extra-payment impact.

- Trust score: 66/100 (medium)
- Change this week: +20
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- npm · `debtfree-mcp-server`: 66/100 (this document), [markdown](https://verifymcp.io/servers/chrisbusbin-pixel-debtfree/debtfree-mcp-server.md), [page](https://verifymcp.io/servers/chrisbusbin-pixel-debtfree/debtfree-mcp-server)

## Channel facts

- Registry: `npm`
- Package: `debtfree-mcp-server`
- Version: `1.0.1`
- Transport: `stdio`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically from public evidence about the published package, including repeated runs of it in an isolated sandbox, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-03.

- **Supply Chain Security**: 86/100
  - No malware found by supply-chain analysis.
  - Only part of the dependency tree could be resolved (94 of 98), so this covers what we could see, not the whole tree.
  - No install/post-install scripts declared.
  - Only part of the dependency tree could be resolved (94 of 98), so this covers what we could see, not the whole tree.
- **Provenance & Transparency**: 45/100
  - Source repository is publicly reachable at the declared URL.
  - Provenance check failed: no build-provenance attestation is published.
  - Clear OSI-approved license (MIT).
  - Actively maintained (last published 80 days ago).
  - Disclosure check failed: no security disclosure policy was found in the source repository.
- **Schema Quality & AI Usability**: 81/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 643 tokens (~128/item across 5 items; 5 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 0/100
  - Stability not yet verified: not enough scan history yet (needs a 30-day window).
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

**Unverified: 1 category.** A category scored 0 because we could not verify it: a data source with nothing on this package, evidence we could not reach, or a check we could not run. We only credit what we can confirm.

## Install

### Claude

```bash
claude mcp add chrisbusbin-pixel-debtfree -- npx -y debtfree-mcp-server
```

### Codex

```bash
codex mcp add chrisbusbin-pixel-debtfree -- npx -y debtfree-mcp-server
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "chrisbusbin-pixel-debtfree": {
      "type": "local",
      "command": [
        "npx",
        "-y",
        "debtfree-mcp-server"
      ],
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add chrisbusbin-pixel-debtfree --command npx --arg -y --arg debtfree-mcp-server
```

### Hermes

```yaml
mcp_servers:
  chrisbusbin-pixel-debtfree:
    command: "npx"
    args: ["-y", "debtfree-mcp-server"]
```

### Other

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

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-02 (score 66, +45)

- [security regression] Provenance: unverified → fail
- [security improvement] Install scripts: unverified → pass
- [security improvement] Known CVEs: unverified → partial
- [security improvement] Malware scan: unverified → pass
- [security] Stability: Stability not yet verified: not enough scan history yet (needs a 30-day window).
- [functional regression] Security disclosure: fail → unverified
- [functional regression] Tool coverage: 100 → unverified
- [functional improvement] Schema quality: unverified → excellent
- [functional improvement] License: unverified → pass
- [functional improvement] Dependency health: unverified → partial
- [functional improvement] Maintenance: unverified → pass
- [functional improvement] MCP protocol: unverified → pass
- [functional] Licence: MIT

### 2026-07-31 (score 21, −3)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-28 (score 24, −22)

- [functional regression] Tool coverage: 100 → unverified
- [functional] First check of Schema quality: unverified

### 2026-07-27 (score 46)

First indexed and scored.

## MCP tools (5)

### `calculate_debt_payoff` (~175 tokens)

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.

Input parameters:

- `debts` (array, required): List of debts. Each debt has: name (string), balance (USD), apr_percent (annual rate as percentage e.g. 22.99), minimum_payment (USD).
- `extra_monthly_payment_usd` (number): Optional extra dollars per month above minimums, applied to the focus debt. Defaults to 0.
- `strategy` (string, required): Strategy: 'snowball' pays off smallest balance first (psychological wins), 'avalanche' pays highest APR first (minimizes total interest).

### `compare_snowball_vs_avalanche` (~140 tokens)

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).

Input parameters:

- `debts` (array, required): List of debts. Each debt has: name (string), balance (USD), apr_percent (annual rate as percentage e.g. 22.99), minimum_payment (USD).
- `extra_monthly_payment_usd` (number): Optional extra dollars per month above minimums. Same value used for both strategies for fair comparison.

### `calculate_minimum_payment_trap` (~123 tokens)

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.

Input parameters:

- `apr_percent` (number, required): Annual percentage rate (e.g. 22.99).
- `balance` (number, required): Current balance in USD.
- `minimum_payment` (number, required): Monthly minimum payment in USD. If the issuer uses a percentage-of-balance minimum, supply the current dollar amount.

### `calculate_extra_payment_impact` (~148 tokens)

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?'

Input parameters:

- `debts` (array, required): List of debts. Each debt has: name (string), balance (USD), apr_percent (annual rate as percentage e.g. 22.99), minimum_payment (USD).
- `extra_monthly_payment_usd` (number, required): Extra dollars per month to add.
- `strategy` (string, required): Strategy to apply. Avalanche typically benefits more from extra payments.

### `get_app_info` (~57 tokens)

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.

## Diagnostics

Captured diagnostic sections: Provenance, Dependencies. The full working is on the page: https://verifymcp.io/servers/chrisbusbin-pixel-debtfree/debtfree-mcp-server#diagnostics

## Score history

- 2026-08-03: 66
- 2026-08-02: 66
- 2026-08-01: 21
- 2026-07-31: 21
- 2026-07-30: 24
- 2026-07-28: 24
- 2026-07-27: 46

## Links

- npm package: https://www.npmjs.com/package/debtfree-mcp-server
- Socket report: https://socket.dev/npm/package/debtfree-mcp-server
- Repository: https://github.com/chrisbusbin-pixel/debtfree-mcp-server
- Changelog RSS feed: https://verifymcp.io/servers/chrisbusbin-pixel-debtfree/debtfree-mcp-server/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/chrisbusbin-pixel-debtfree/debtfree-mcp-server/changelog.json
- HTML version of this page: https://verifymcp.io/servers/chrisbusbin-pixel-debtfree/debtfree-mcp-server