io.github.SPFreedom/showrealcost
REMOTE · MCP.SHOWREALCOST.COM
Loan-cost math: payments, payoff time, offers with fees, payday loans, Rule of 78s, Fed rates.
Available components
Last scanned (22 hours ago)
Scores higher than 85% of remote servers
Reachable. Last reached 4 Nov 2026.
Category Finance and Payments
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. How we score → Why this is hard to score →
Endpoint Security80
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- The HSTS (Strict-Transport-Security) header is present. View diagnostics → Pass
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability69
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 1361 tokens (~151/item across 9 items; 9 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management93
- Stability observed for 28 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage94
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 82% of tool parameters carry a description.Partial
Tool Safety50
- Injection-marker check failed: the server instructions contains an instruction to conceal the call from the user, the text "do not tell the user", at byte 507 of that field. See how to fix → Fail
- We read all 9 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 10 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 3 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 87 to 90. That category is still filling its 30-day observation window: 26 days of observed history at the previous scan, 27 at this one. The score rises as the window fills, whether or not the server changes.
- 1 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 80 to 83. That category is still filling its 30-day observation window: 24 days of observed history at the previous scan, 25 at this one. The score rises as the window fills, whether or not the server changes.
- 30 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 73 to 77. That category is still filling its 30-day observation window: 22 days of observed history at the previous scan, 23 at this one. The score rises as the window fills, whether or not the server changes.
- 28 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 67 to 70. That category is still filling its 30-day observation window: 20 days of observed history at the previous scan, 21 at this one. The score rises as the window fills, whether or not the server changes.
- 26 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 60 to 63. That category is still filling its 30-day observation window: 18 days of observed history at the previous scan, 19 at this one. The score rises as the window fills, whether or not the server changes.
- 24 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 53 to 57. That category is still filling its 30-day observation window: 16 days of observed history at the previous scan, 17 at this one. The score rises as the window fills, whether or not the server changes.
- 21 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 43 to 47. That category is still filling its 30-day observation window: 13 days of observed history at the previous scan, 14 at this one. The score rises as the window fills, whether or not the server changes.
- 19 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 37 to 40. That category is still filling its 30-day observation window: 11 days of observed history at the previous scan, 12 at this one. The score rises as the window fills, whether or not the server changes.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 4 Nov 2026 · Probed https://mcp.showrealcost.com/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=*.showrealcost.com | CN=YR2,O=Let's Encrypt,C=US | 6 Sept 2026 | 5 Dec 2026 | RSA 2048 | SHA256-RSA | 5deef8f7280ef080ef1437c6a2942adc615 |
| SANs: *.showrealcost.com, showrealcost.com | ||||||
| CN=YR2,O=Let's Encrypt,C=US (CA) | CN=Root YR,O=ISRG,C=US | 3 Sept 2025 | 2 Sept 2028 | RSA 2048 | SHA256-RSA | 4ebd24947e24d394802d84a52fd5b319 |
| CN=Root YR,O=ISRG,C=US (CA) | CN=ISRG Root X1,O=Internet Security Research Group,C=US | 13 May 2026 | 2 Sept 2032 | RSA 4096 | SHA256-RSA | f24b6d17f9d9ad7cb1c9fea78782699f |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of mcp.showrealcost.com. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| com. | present | 19718 | 13 | Verified |
| showrealcost.com. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| strict-transport-security | max-age=63072000; includeSubDomains; preload |
| x-content-type-options | nosniff |
| referrer-policy | no-referrer |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://mcp.showrealcost.com/mcp | Verified | 200 | |
| http (plaintext) | http://mcp.showrealcost.com/mcp | HTTPS enforced | 308 | https://mcp.showrealcost.com/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
average_loan_rates Average loan rates from the Federal Reserve, and how a quote compares ~214
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 server, not live quotes. Use for "what is the average car loan rate", "have personal loan rates gone up" and "is 9% high for a car loan".
| Name | Type | Req | Description |
|---|---|---|---|
| amount | number | – | Optional with offered_rate_pct: amount borrowed or card balance, in dollars |
| loan_type | string | – | One kind of loan; leave out for all four |
| months | integer | – | Optional with offered_rate_pct: number of monthly payments |
| offered_rate_pct | number | – | Optional: a rate the person was offered, to compare with the average (needs loan_type) |
No output schema declared.
No examples provided.
compare_loan_offers Compare loan offers on the same cash in hand ~98
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".
| Name | Type | Req | Description |
|---|---|---|---|
| cash_needed | number | yes | Cash the borrower needs to receive, in dollars |
| offers | array | yes | – |
No output schema declared.
No examples provided.
debt_payoff_plan Pay off several debts: avalanche, snowball or minimums ~111
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".
| Name | Type | Req | Description |
|---|---|---|---|
| debts | array | yes | – |
| extra_per_month | number | – | Extra paid each month on top of all minimums, in dollars |
No output schema declared.
No examples provided.
loan_payment Loan payment and total interest ~144
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".
| Name | Type | Req | Description |
|---|---|---|---|
| amount | number | yes | Amount borrowed, in dollars |
| annual_rate_pct | number | yes | Annual interest rate in percent, e.g. 6.97 |
| months | integer | yes | Number of monthly payments |
| payments_made | integer | – | Optional: payments already made, to see progress so far |
No output schema declared.
No examples provided.
payday_loan_cost Cost and APR of a payday or other fee-based short-term loan ~181
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".
| Name | Type | Req | Description |
|---|---|---|---|
| amount | number | yes | Amount borrowed, in dollars |
| fee_per_100 | number | – | Fee per $100 borrowed for one term, in dollars (e.g. 15) |
| flat_fee | number | – | Any flat fee, tip or instant-transfer fee for one term, in dollars |
| renewals | integer | – | Times the loan is renewed or rolled over by paying only the fee |
| term_days | integer | yes | Days until the loan is due |
No output schema declared.
No examples provided.
payoff_time Months to pay off a balance at a fixed payment ~103
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.
| Name | Type | Req | Description |
|---|---|---|---|
| annual_rate_pct | number | yes | Annual interest rate in percent |
| balance | number | yes | Balance owed today, in dollars |
| monthly_payment | number | yes | Fixed amount paid each month, in dollars |
No output schema declared.
No examples provided.
per_diem_interest Per-diem interest on a payoff ~89
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.
| Name | Type | Req | Description |
|---|---|---|---|
| annual_rate_pct | number | yes | – |
| balance | number | yes | Principal balance, in dollars |
| days | integer | yes | Days of interest |
No output schema declared.
No examples provided.
precomputed_loan_payoff Early payoff on a precomputed (Rule of 78s) loan ~122
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".
| Name | Type | Req | Description |
|---|---|---|---|
| amount | number | yes | Amount financed, in dollars |
| annual_rate_pct | number | yes | Contract rate in percent |
| months | integer | yes | – |
| payments_made | integer | yes | Payments made so far |
No output schema declared.
No examples provided.
refinance_check Does a refinance offer save money? ~147
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".
| Name | Type | Req | Description |
|---|---|---|---|
| balance | number | yes | Balance owed today, in dollars |
| current_payment | number | yes | Current monthly payment, in dollars |
| current_rate_pct | number | yes | – |
| new_loan_fee | number | – | Any fee added to the new loan, in dollars |
| new_months | integer | yes | Term of the new loan in months |
| new_rate_pct | – | yes | – |
No output schema declared.
No examples provided.
How do I install the io.github.SPFreedom/showrealcost MCP server?
io.github.SPFreedom/showrealcost is a hosted endpoint at https://mcp.showrealcost.com/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.
remote · mcp.showrealcost.com
claude mcp add --transport http spfreedom-showrealcost 'https://mcp.showrealcost.com/mcp'
What is the io.github.SPFreedom/showrealcost MCP server?
io.github.SPFreedom/showrealcost is an MCP server listed in the public MCP registry as io.github.SPFreedom/showrealcost. Loan-cost math: payments, payoff time, offers with fees, payday loans, Rule of 78s, Fed rates. This page covers its hosted endpoint (https://mcp.showrealcost.com/mcp).
Is the io.github.SPFreedom/showrealcost MCP server safe to use?
io.github.SPFreedom/showrealcost scores 82 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.SPFreedom/showrealcost MCP server expose?
io.github.SPFreedom/showrealcost exposes 9 tools: loan_payment, payoff_time, compare_loan_offers, payday_loan_cost, refinance_check, and 4 more. Their descriptions and schemas cost roughly 1,209 tokens of context every time the server is loaded.
Does the io.github.SPFreedom/showrealcost MCP server require authentication?
No. We connected to io.github.SPFreedom/showrealcost without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the io.github.SPFreedom/showrealcost MCP server still maintained?
io.github.SPFreedom/showrealcost is still listed as active in the MCP registry. We last reached this channel on 4 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.