# io.github.SPFreedom/showrealcost (remote · mcp.showrealcost.com)

Loan-cost math: payments, payoff time, offers with fees, payday loans, Rule of 78s, Fed rates.

- Trust score: 82/100 (high trust)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-04

## Components

- remote · `mcp.showrealcost.com`: 82/100 (this document), [markdown](https://verifymcp.io/servers/spfreedom-showrealcost/mcp.md), [page](https://verifymcp.io/servers/spfreedom-showrealcost/mcp)

## Channel facts

- Endpoint: `https://mcp.showrealcost.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.1.0`

## 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 2026-11-04.

- **Endpoint Security**: 80/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - 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**: 69/100
  - AI-judged instruction clarity (good).
  - 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.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 93/100
  - Stability observed for 28 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 94/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 82% of tool parameters carry a description.
- **Tool Safety**: 50/100
  - 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.
  - We read all 9 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 10 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### 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.

### Claude

```bash
claude mcp add --transport http spfreedom-showrealcost 'https://mcp.showrealcost.com/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "spfreedom-showrealcost": {
      "url": "https://mcp.showrealcost.com/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "spfreedom-showrealcost": {
      "type": "http",
      "url": "https://mcp.showrealcost.com/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.spfreedom-showrealcost]
url = "https://mcp.showrealcost.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "spfreedom-showrealcost": {
      "type": "remote",
      "url": "https://mcp.showrealcost.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add spfreedom-showrealcost --url 'https://mcp.showrealcost.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  spfreedom-showrealcost:
    url: "https://mcp.showrealcost.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "spfreedom-showrealcost": {
      "Transport": "http",
      "Url": "https://mcp.showrealcost.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add spfreedom-showrealcost -t streamable-http -u 'https://mcp.showrealcost.com/mcp'
```

### Other

```json
{
  "mcpServers": {
    "spfreedom-showrealcost": {
      "type": "http",
      "url": "https://mcp.showrealcost.com/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.

### 2026-11-03 (score 82, +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.

### 2026-11-01 (score 81, +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.

### 2026-10-30 (score 80, +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.

### 2026-10-28 (score 79, +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.

### 2026-10-26 (score 78, +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.

### 2026-10-24 (score 77, +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.

### 2026-10-21 (score 76, +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.

### 2026-10-19 (score 75, +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.

## MCP tools (9)

### `loan_payment` (~144 tokens)

Loan payment and total interest

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".

Input parameters:

- `amount` (number, required): Amount borrowed, in dollars
- `annual_rate_pct` (number, required): Annual interest rate in percent, e.g. 6.97
- `months` (integer, required): Number of monthly payments
- `payments_made` (integer): Optional: payments already made, to see progress so far

### `payoff_time` (~103 tokens)

Months to pay off a balance at a fixed payment

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.

Input parameters:

- `annual_rate_pct` (number, required): Annual interest rate in percent
- `balance` (number, required): Balance owed today, in dollars
- `monthly_payment` (number, required): Fixed amount paid each month, in dollars

### `compare_loan_offers` (~98 tokens)

Compare loan offers on the same cash in hand

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".

Input parameters:

- `cash_needed` (number, required): Cash the borrower needs to receive, in dollars
- `offers` (array, required)

### `payday_loan_cost` (~181 tokens)

Cost and APR of a payday or other fee-based short-term loan

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".

Input parameters:

- `amount` (number, required): 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, required): Days until the loan is due

### `refinance_check` (~147 tokens)

Does a refinance offer save money?

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".

Input parameters:

- `balance` (number, required): Balance owed today, in dollars
- `current_payment` (number, required): Current monthly payment, in dollars
- `current_rate_pct` (number, required)
- `new_loan_fee` (number): Any fee added to the new loan, in dollars
- `new_months` (integer, required): Term of the new loan in months
- `new_rate_pct` (required)

### `precomputed_loan_payoff` (~122 tokens)

Early payoff on a precomputed (Rule of 78s) loan

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".

Input parameters:

- `amount` (number, required): Amount financed, in dollars
- `annual_rate_pct` (number, required): Contract rate in percent
- `months` (integer, required)
- `payments_made` (integer, required): Payments made so far

### `per_diem_interest` (~89 tokens)

Per-diem interest on a payoff

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.

Input parameters:

- `annual_rate_pct` (number, required)
- `balance` (number, required): Principal balance, in dollars
- `days` (integer, required): Days of interest

### `debt_payoff_plan` (~111 tokens)

Pay off several debts: avalanche, snowball or minimums

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".

Input parameters:

- `debts` (array, required)
- `extra_per_month` (number): Extra paid each month on top of all minimums, in dollars

### `average_loan_rates` (~214 tokens)

Average loan rates from the Federal Reserve, and how a quote compares

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".

Input parameters:

- `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)

## Diagnostics

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

## Score history

- 2026-11-04: 82
- 2026-11-03: 82
- 2026-11-02: 81
- 2026-11-01: 81
- 2026-10-31: 80
- 2026-10-30: 80
- 2026-10-29: 79
- 2026-10-28: 79
- 2026-10-27: 78
- 2026-10-26: 78
- 2026-10-25: 77
- 2026-10-24: 77
- 2026-10-23: 76
- 2026-10-22: 76
- 2026-10-21: 76
- 2026-10-20: 75
- 2026-10-19: 75
- 2026-10-18: 74
- 2026-10-17: 74
- 2026-10-16: 73
- 2026-10-15: 73
- 2026-10-14: 72
- 2026-10-13: 72
- 2026-10-12: 61
- 2026-10-10: 70
- 2026-10-09: 70
- 2026-10-07: 69

## Common questions

### 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.

## Links

- Remote endpoint: https://mcp.showrealcost.com/mcp
- Website: https://www.showrealcost.com/ai
- Changelog RSS feed: https://verifymcp.io/servers/spfreedom-showrealcost/mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/spfreedom-showrealcost/mcp.json
- HTML version of this page: https://verifymcp.io/servers/spfreedom-showrealcost/mcp