# io.github.SirCharan/homes-loan-calculator (remote · homesloancalculator.in)

Home loan EMI, affordability, balance transfer, down payment, rent vs buy calculators.

- Trust score: 66/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `homesloancalculator.in`: 66/100 (this document), [markdown](https://verifymcp.io/servers/sircharan-homes-loan-calculator/homesloancalculator.md), [page](https://verifymcp.io/servers/sircharan-homes-loan-calculator/homesloancalculator)

## Channel facts

- Endpoint: `https://homesloancalculator.in/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 2026-11-05.

- **Endpoint Security**: 63/100
  - 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 6 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 is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - 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**: 65/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1044 tokens (~174/item across 6 items; 6 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 20/100
  - Stability observed for 6 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.
- **Tool Safety**: 75/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - 0 of 1 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation; "balanceTransfer" implies "transfer" and declares no destructiveHint at all, which the MCP spec reads as destructive by default.
  - An AI judge read all 6 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### How do I install the io.github.SirCharan/homes-loan-calculator MCP server?

io.github.SirCharan/homes-loan-calculator is a hosted endpoint at https://homesloancalculator.in/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http sircharan-homes-loan-calculator 'https://homesloancalculator.in/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "sircharan-homes-loan-calculator": {
      "url": "https://homesloancalculator.in/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "sircharan-homes-loan-calculator": {
      "type": "http",
      "url": "https://homesloancalculator.in/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.sircharan-homes-loan-calculator]
url = "https://homesloancalculator.in/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "sircharan-homes-loan-calculator": {
      "type": "remote",
      "url": "https://homesloancalculator.in/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add sircharan-homes-loan-calculator --url 'https://homesloancalculator.in/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  sircharan-homes-loan-calculator:
    url: "https://homesloancalculator.in/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "sircharan-homes-loan-calculator": {
      "Transport": "http",
      "Url": "https://homesloancalculator.in/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add sircharan-homes-loan-calculator -t streamable-http -u 'https://homesloancalculator.in/mcp'
```

### Other

```json
{
  "mcpServers": {
    "sircharan-homes-loan-calculator": {
      "type": "http",
      "url": "https://homesloancalculator.in/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.

### 2026-11-04 (score 66, +1)

No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-02 (score 65, +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.

### 2026-10-31 (score 64, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-30 (score 63)

First indexed and scored.

## MCP tools (6)

### `emi` (~251 tokens)

Takes a loan amount, annual rate and tenure, plus optional prepayments or a rate change, and returns the monthly EMI, total interest and year-by-year schedule for an Indian home loan. Example input: {"principal":5000000,"annualRate":8.5,"years":20}

Input parameters:

- `annualRate` (number, required): Annual interest rate in percent, for example 8.5
- `extraMonthly` (number): Extra rupees prepaid every month
- `lumpSums` (array): One-time prepayments as a list of { month, amount }, or a string like "12:100000,24:50000"
- `mode` (string): What prepayment shortens: reduceTenure (default) or reduceEMI
- `monthly` (boolean): Set true to include the month-by-month schedule in the result
- `months` (integer): Loan tenure in months (6 to 480). Give months or years.
- `principal` (number, required): Loan amount in rupees
- `rateReset` (object): A floating-rate change part-way through the loan
- `years` (number): Loan tenure in years (0.5 to 40). Give months or years.

### `sensitivity` (~166 tokens)

Takes a loan amount, annual rate and tenure and returns how the EMI and total interest change when the rate moves up or down by small steps. Example input: {"principal":5000000,"annualRate":8.5,"years":20}

Input parameters:

- `annualRate` (number, required): Annual interest rate in percent, for example 8.5
- `deltas` (array): Rate changes in percentage points to test, for example [-1, -0.5, 0.5, 1]
- `months` (integer): Loan tenure in months (6 to 480). Give months or years.
- `principal` (number, required): Loan amount in rupees
- `years` (number): Loan tenure in years (0.5 to 40). Give months or years.

### `eligibility` (~199 tokens)

Takes net monthly income, existing EMIs, annual rate and tenure and returns the maximum EMI and home loan amount a borrower qualifies for. Example input: {"netMonthlyIncome":150000,"existingEmis":10000,"annualRate":8.5,"years":20}

Input parameters:

- `annualRate` (number, required): Annual interest rate in percent, for example 8.5
- `existingEmis` (number): Total EMIs already paid each month in rupees (default 0)
- `foir` (number): Share of income a bank lets all EMIs take, 0.1 to 1 (default 0.5)
- `months` (integer): Loan tenure in months (6 to 480). Give months or years.
- `netMonthlyIncome` (number, required): Net monthly take-home income in rupees
- `years` (number): Loan tenure in years (0.5 to 40). Give months or years.

### `rentVsBuy` (~222 tokens)

Takes rent, price, down payment, loan terms and growth assumptions and returns the year-by-year net worth of buying against renting, with the break-even year. Example input: {"rent":30000,"rentGrowth":5,"price":8000000,"downPayment":1600000,"annualRate":8.5,"months":240,"appreciation":5,"investReturn":10,"years":20}

Input parameters:

- `annualRate` (number, required): Annual interest rate in percent, for example 8.5
- `appreciation` (number, required): Yearly property price growth in percent
- `downPayment` (number, required): Down payment in rupees
- `investReturn` (number, required): Yearly return in percent if the down payment is invested instead
- `months` (integer, required): Loan tenure in months
- `price` (number, required): Property price in rupees
- `rent` (number, required): Current monthly rent in rupees
- `rentGrowth` (number, required): Yearly rent increase in percent
- `years` (integer, required): Years to compare over

### `balanceTransfer` (~151 tokens)

Takes the outstanding balance, months left, current and new rates and a fee and returns both EMIs, the net saving and the break-even months of a balance transfer. Example input: {"outstanding":4000000,"remainingMonths":180,"currentRate":9.25,"newRate":8.4,"processingFee":20000}

Input parameters:

- `currentRate` (number, required): Current annual rate in percent
- `newRate` (number, required): New lender annual rate in percent
- `outstanding` (number, required): Outstanding loan balance in rupees
- `processingFee` (number): One-time transfer fee in rupees (default 0)
- `remainingMonths` (integer, required): Months left on the current loan

### `downPayment` (~55 tokens)

Takes a property price and returns the loan-to-value ratio, maximum loan, minimum down payment and approximate stamp duty plus registration. Example input: {"price":7500000}

Input parameters:

- `price` (number, required): Property price in rupees

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/sircharan-homes-loan-calculator/homesloancalculator#diagnostics

## Score history

- 2026-11-05: 66
- 2026-11-04: 66
- 2026-11-03: 65
- 2026-11-02: 65
- 2026-11-01: 64
- 2026-10-31: 64
- 2026-10-30: 63

## Common questions

### What is the io.github.SirCharan/homes-loan-calculator MCP server?

io.github.SirCharan/homes-loan-calculator is an MCP server listed in the public MCP registry as io.github.SirCharan/homes-loan-calculator. Home loan EMI, affordability, balance transfer, down payment, rent vs buy calculators. This page covers its hosted endpoint (https://homesloancalculator.in/mcp).

### Is the io.github.SirCharan/homes-loan-calculator MCP server safe to use?

io.github.SirCharan/homes-loan-calculator scores 66 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the io.github.SirCharan/homes-loan-calculator MCP server expose?

io.github.SirCharan/homes-loan-calculator exposes 6 tools: emi, sensitivity, eligibility, rentVsBuy, balanceTransfer, downPayment. Their descriptions and schemas cost roughly 1,044 tokens of context every time the server is loaded.

### Does the io.github.SirCharan/homes-loan-calculator MCP server require authentication?

No. We connected to io.github.SirCharan/homes-loan-calculator without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the io.github.SirCharan/homes-loan-calculator MCP server still maintained?

io.github.SirCharan/homes-loan-calculator is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://homesloancalculator.in/mcp
- Website: https://homesloancalculator.in/
- Changelog RSS feed: https://verifymcp.io/servers/sircharan-homes-loan-calculator/homesloancalculator.xml
- Changelog JSON feed: https://verifymcp.io/servers/sircharan-homes-loan-calculator/homesloancalculator.json
- HTML version of this page: https://verifymcp.io/servers/sircharan-homes-loan-calculator/homesloancalculator