# io.github.comil27/debt-payoff-mcp (remote · debtfree.rugscore.workers.dev)

Debt payoff planner: snowball vs avalanche — months to debt-free & total interest. Remote MCP.

- Trust score: 60/100 (medium)
- Change this week: −1
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `debtfree.rugscore.workers.dev`: 60/100 (this document), [markdown](https://verifymcp.io/servers/comil27-debt-payoff-mcp/debtfree.md), [page](https://verifymcp.io/servers/comil27-debt-payoff-mcp/debtfree)

## Channel facts

- Endpoint: `https://debtfree.rugscore.workers.dev/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, 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.

- **Endpoint Security**: 46/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 3 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS check failed: the endpoint is reachable over plaintext HTTP.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 74/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 444 tokens (~148/item across 3 items; 3 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **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**: 60/100
  - Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http comil27-debt-payoff-mcp https://debtfree.rugscore.workers.dev/mcp
```

### Codex

```toml
[mcp_servers.comil27-debt-payoff-mcp]
url = "https://debtfree.rugscore.workers.dev/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "comil27-debt-payoff-mcp": {
      "type": "remote",
      "url": "https://debtfree.rugscore.workers.dev/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add comil27-debt-payoff-mcp --url https://debtfree.rugscore.workers.dev/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  comil27-debt-payoff-mcp:
    url: "https://debtfree.rugscore.workers.dev/mcp"
```

### Other

```json
{
  "mcpServers": {
    "comil27-debt-payoff-mcp": {
      "type": "http",
      "url": "https://debtfree.rugscore.workers.dev/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## 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 60, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-31 (score 59, −2)

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

### 2026-07-30 (score 61, −1)

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

### 2026-07-29 (score 62, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-27 (score 61, +1)

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

### 2026-07-26 (score 60)

First indexed and scored.

## MCP tools (3)

### `debt_payoff_plan` (~155 tokens)

Plan how to pay off debt(s): returns months to debt-free, total interest, and payoff order — comparing the snowball (smallest balance first) and avalanche (highest APR first) strategies. Accepts one debt or many.

Input parameters:

- `apr` (number): Annual interest rate %, single-debt shortcut.
- `balance` (number): Single-debt shortcut (use with apr & min instead of debts[]).
- `debts` (array): Your debts; each has name, balance, apr (annual %), min (monthly minimum payment).
- `extra` (number): Extra $/month toward debt beyond the minimums. Default 0.
- `min` (number): Monthly minimum payment, single-debt shortcut.

### `budget_50_30_20` (~120 tokens)

Split a monthly take-home income into a 50/30/20 budget (needs / wants / savings & debt). Returns dollar targets for each bucket. Optional custom percentages.

Input parameters:

- `monthlyIncome` (number, required): Monthly take-home (after-tax) income in dollars.
- `needsPct` (number): Optional. % for needs (default 50).
- `savingsPct` (number): Optional. % for savings & debt payoff (default 20).
- `wantsPct` (number): Optional. % for wants (default 30).

### `savings_goal` (~110 tokens)

How long to reach a savings goal. Given a target amount, monthly contribution, optional current savings and APY, returns months/years to reach it and total contributed.

Input parameters:

- `apy` (number): Optional. Annual interest/return % on savings (default 0).
- `currentSaved` (number): Optional. Amount already saved (default 0).
- `goalAmount` (number, required): Target amount to save, in dollars.
- `monthlyContribution` (number, required): Amount saved each month, in dollars.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/comil27-debt-payoff-mcp/debtfree#diagnostics

## Score history

- 2026-08-03: 60
- 2026-08-02: 60
- 2026-08-01: 59
- 2026-07-31: 59
- 2026-07-30: 61
- 2026-07-29: 62
- 2026-07-28: 61
- 2026-07-27: 61
- 2026-07-26: 60

## Links

- Remote endpoint: https://debtfree.rugscore.workers.dev/mcp
- Repository: https://github.com/comil27/debt-payoff-mcp
- Changelog RSS feed: https://verifymcp.io/servers/comil27-debt-payoff-mcp/debtfree/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/comil27-debt-payoff-mcp/debtfree/changelog.json
- HTML version of this page: https://verifymcp.io/servers/comil27-debt-payoff-mcp/debtfree