# io.github.theluckystrike/amortization (mcpb · amortization.mcpb)

Loan and lease schedules: payment, interest, early settlement and the journal, to the minor unit.

- Trust score: 47/100 (low)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-20

## Components

- remote · `mcp.zovo.one`: 82/100, [markdown](https://verifymcp.io/servers/theluckystrike-amortization/mcp-amortization.md), [page](https://verifymcp.io/servers/theluckystrike-amortization/mcp-amortization)
- mcpb · `amortization.mcpb`: 47/100 (this document), [markdown](https://verifymcp.io/servers/theluckystrike-amortization/https-github-com-theluckystrike-mcp-servers-releases-download-v0-22-0-amortizati.md), [page](https://verifymcp.io/servers/theluckystrike-amortization/https-github-com-theluckystrike-mcp-servers-releases-download-v0-22-0-amortizati)

## Channel facts

- Registry: `mcpb`
- Package: `https://github.com/theluckystrike/mcp-servers/releases/download/v0.22.0/amortization.mcpb`
- Version: `0.22.0`
- 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 2026-09-20.

- **Supply Chain Security**: 22/100
  - Malware scan not yet available for this package.
  - Known CVEs were checked across the 157 of 157 dependencies we could resolve, so this covers what we could see, not the whole tree.
  - No install/post-install scripts declared.
  - 63 of 157 dependencies flagged as unhealthy (2 deprecated).
- **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 2 days ago).
  - Disclosure check failed: no security disclosure policy was found in the source repository.
- **Schema Quality & AI Usability**: 82/100
  - 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1298 tokens (~129/item across 10 items; 9 tools + 1 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**: 99/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 98% 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; "loan_delete" implies "delete" and declares no destructiveHint at all, which the MCP spec reads as destructive by default.
  - 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.

**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

- Download bundle: `https://github.com/theluckystrike/mcp-servers/releases/download/v0.22.0/amortization.mcpb`

## 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.

### 2026-09-17 (score 47)

First indexed and scored.

## MCP tools (9)

### `loan_create` (~326 tokens)

Record a loan or lease

Record a loan or lease and return its id, level payment and effective annual rate. principal_minor, fees and balloon are whole MINOR units; rate_bps is the nominal annual rate in basis points. Free: 3 agreements.

Input parameters:

- `balloon_minor` (integer): Final balloon or residual value in whole minor units, due with the last payment and not inside it. Default 0
- `compounding` (string, required): How often interest compounds
- `currency` (string, required): ISO code the agreement is denominated in
- `fees_minor` (integer): Arrangement fees in whole minor units, paid at drawdown. Default 0
- `kind` (string): Default "loan"
- `lender` (string): Who the money is owed to
- `method` (string, required): annuity for a level payment, straight-principal for equal principal and a falling payment
- `name` (string, required): What this agreement is, e.g. Van finance or Office lease
- `note` (string)
- `payment_frequency` (string, required): How often a payment falls due
- `principal_minor` (integer, required): Amount borrowed, in whole minor units (integer cents). 1,000,000 is EUR 10,000.00
- `rate_bps` (integer, required): Nominal annual interest rate in basis points. 1200 is 12 percent. Zero is allowed
- `start_date` (string, required): Drawdown date, YYYY-MM-DD. The first payment falls one period after it
- `term_periods` (integer, required): Number of payment periods, not years

### `loan_schedule` (~125 tokens)

Build the amortization schedule

Build one loan's schedule: opening balance, payment, interest, principal and closing per period, with total interest. The last period absorbs rounding, landing exactly on the balloon or zero. loans_report totals it.

Input parameters:

- `from_period` (integer): First period to return. Default 1
- `limit` (integer): Maximum rows, default and ceiling 600
- `loan` (string, required): The loan id, e.g. LOAN-2026-0001, or its exact name
- `year` (string): Only the periods falling in this calendar year, YYYY

### `loan_repay_early` (~205 tokens)

Settle or overpay a loan early

Work out what settling or overpaying costs as of a period: the outstanding balance, the penalty if one is given, the recalculated remaining schedule and the interest saved, stated gross and net of the penalty. Pro.

Input parameters:

- `as_of_period` (integer, required): The period the extra money is paid at the end of. Period 1 is the first payment
- `extra_minor` (integer): A partial overpayment in whole minor units. Omit to settle the loan in full
- `keep_payment` (boolean): On a partial overpayment, keep the same payment and shorten the term. Default false, which keeps the term and lowers the payment
- `limit` (integer): Maximum remaining rows to return, ceiling 600
- `loan` (string, required): The loan id, e.g. LOAN-2026-0001, or its exact name
- `penalty_minor` (integer): Early repayment charge in whole minor units. Default 0

### `loan_journal` (~194 tokens)

Journal a loan payment

Return the double entry for one payment period or month: debit interest expense and loan liability, credit cash, in the cash book's account names, with an expense_add-ready payload. Give period or month, not both. Pro.

Input parameters:

- `cash_account` (string): Credit account for the payment. Default "cash"
- `category` (string): Expense category for the expense_add payload. Default "interest"
- `interest_account` (string): Debit account for the interest. Default "interest_expense"
- `liability_account` (string): Debit account for the principal. Default "loan_liability"
- `loan` (string, required): The loan id, e.g. LOAN-2026-0001, or its exact name
- `month` (string): Journal every payment falling in this month, YYYY-MM. Give this or period
- `period` (integer): The payment period to journal. Give this or month

### `loan_list` (~116 tokens)

List the loan register

List the register with terms, level payment, effective annual rate and, at as_of, periods paid, balance outstanding, interest to date and the next payment, totalled per currency. Free; loans_report is the Pro roll-up.

Input parameters:

- `as_of` (string): Value the register at this date, YYYY-MM-DD. Default today
- `currency` (string): Only agreements in this currency
- `kind` (string): Only loans, or only leases
- `limit` (integer): Maximum rows, default and ceiling 600

### `loan_delete` (~71 tokens)

Delete a loan from the register

Remove one loan or lease from the register and give its free-tier slot back. Refused, with the entry named, if a journal has already been taken from it. Free.

Input parameters:

- `loan` (string, required): The loan id, e.g. LOAN-2026-0001, or its exact name

### `loans_report` (~111 tokens)

Report what is owed and what it costs

The debt at as_of: per loan what is outstanding, whether it is settled, the next payment, and the interest and principal charged in a year, then totals per currency. Contractual balance, not cash paid. Pro.

Input parameters:

- `as_of` (string): Value the debt at this date, YYYY-MM-DD. Default today
- `currency` (string): Only agreements in this currency
- `year` (string): The calendar year to total the interest for, YYYY. Default the year of as_of

### `license_status` (~54 tokens)

License status

Report this server's licence state: product, tier free or pro, licence id, expiry, the key source and the upgrade URL. No arguments, no network. Explains a free-tier refusal; license_activate installs a key.

### `license_activate` (~71 tokens)

Activate license

Activate a Pro key (MCPL1.xxx.yyy) from checkout: verified offline against a built-in public key, saved to your config file. A wrong, malformed or expired key is refused, unsaved. license_status reads it back.

Input parameters:

- `key` (string, required): License key from the checkout confirmation page

## Diagnostics

Captured diagnostic sections: Provenance, Dependencies. The full working is on the page: https://verifymcp.io/servers/theluckystrike-amortization/https-github-com-theluckystrike-mcp-servers-releases-download-v0-22-0-amortizati#diagnostics

## Score history

- 2026-09-20: 47
- 2026-09-19: 47
- 2026-09-18: 47
- 2026-09-17: 47

## Common questions

### What is the io.github.theluckystrike/amortization MCP server?

io.github.theluckystrike/amortization is an MCP server listed in the public MCP registry as io.github.theluckystrike/amortization. Loan and lease schedules: payment, interest, early settlement and the journal, to the minor unit. This page covers its MCPB bundle (https://github.com/theluckystrike/mcp-servers/releases/download/v0.22.0/amortization.mcpb).

### Is the io.github.theluckystrike/amortization MCP server safe to use?

io.github.theluckystrike/amortization scores 47 out of 100 on VerifyMCP. It declares no install or post-install scripts. 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.theluckystrike/amortization MCP server expose?

io.github.theluckystrike/amortization exposes 9 tools: loan_create, loan_schedule, loan_repay_early, loan_journal, loan_list, and 4 more. Their descriptions and schemas cost roughly 1,273 tokens of context every time the server is loaded.

### What licence is the io.github.theluckystrike/amortization MCP server under?

io.github.theluckystrike/amortization declares the MIT licence, which is OSI-approved. That covers the source only, and says nothing about the cost of any service it calls.

## Links

- Repository: https://github.com/theluckystrike/mcp-servers
- Website: https://mcp.zovo.one/s/amortization
- Changelog RSS feed: https://verifymcp.io/servers/theluckystrike-amortization/https-github-com-theluckystrike-mcp-servers-releases-download-v0-22-0-amortizati.xml
- Changelog JSON feed: https://verifymcp.io/servers/theluckystrike-amortization/https-github-com-theluckystrike-mcp-servers-releases-download-v0-22-0-amortizati.json
- HTML version of this page: https://verifymcp.io/servers/theluckystrike-amortization/https-github-com-theluckystrike-mcp-servers-releases-download-v0-22-0-amortizati