# Amortiza Loan Planner (remote · loan-planner.zovo.one)

Mortgage & loan schedules

- Trust score: 73/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-10-23

## Components

- remote · `loan-planner.zovo.one`: 73/100 (this document), [markdown](https://verifymcp.io/servers/theluckystrike-loan-planner/loan-planner.md), [page](https://verifymcp.io/servers/theluckystrike-loan-planner/loan-planner)

## Channel facts

- Endpoint: `https://loan-planner.zovo.one/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 2026-10-23.

- **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**: 68/100
  - 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 1430 tokens (~476/item across 3 items; 2 tools + 1 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 3/100
  - Stability observed for 1 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.
  - Structured output schemas are declared (100% of tools); any adoption earns full credit.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 2 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 4 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.
  - Supports UI / widget rendering.

## Install

### How do I install the Amortiza Loan Planner MCP server?

Amortiza Loan Planner is a hosted endpoint at https://loan-planner.zovo.one/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 theluckystrike-loan-planner 'https://loan-planner.zovo.one/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "theluckystrike-loan-planner": {
      "url": "https://loan-planner.zovo.one/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "theluckystrike-loan-planner": {
      "type": "http",
      "url": "https://loan-planner.zovo.one/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.theluckystrike-loan-planner]
url = "https://loan-planner.zovo.one/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "theluckystrike-loan-planner": {
      "type": "remote",
      "url": "https://loan-planner.zovo.one/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add theluckystrike-loan-planner --url 'https://loan-planner.zovo.one/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  theluckystrike-loan-planner:
    url: "https://loan-planner.zovo.one/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "theluckystrike-loan-planner": {
      "Transport": "http",
      "Url": "https://loan-planner.zovo.one/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add theluckystrike-loan-planner -t streamable-http -u 'https://loan-planner.zovo.one/mcp'
```

### Other

```json
{
  "mcpServers": {
    "theluckystrike-loan-planner": {
      "type": "http",
      "url": "https://loan-planner.zovo.one/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.

### 2026-10-23 (score 73, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-22 (score 72)

First indexed and scored.

## MCP tools (2)

### `calculate_loan` (~720 tokens)

Calculate loan or mortgage

Use this when the user wants a mortgage calculator, loan calculator, or amortization calculator result: the monthly (or biweekly/weekly) payment, an amortization schedule or table, total interest, payoff date, a mortgage calculator with extra payments or for paying off early, or a full PITI payment with property tax, insurance, HOA and PMI. Takes the loan amount or home price with down payment, rate, and term. Returns exact payment, totals, interest and time saved by extra payments, a yearly summary, and a CSV of the full schedule. Fixed-rate loans only; does not model adjustable rates, interest-only or balloon loans, and does not look up current rates. Do not use for rent-vs-buy advice or choosing a lender.

Input parameters:

- `accelerated` (boolean): For biweekly/weekly only: true pays half (biweekly) or a quarter (weekly) of the monthly payment each period, which adds about one extra monthly payment a year. Default false (a true biweekly/weekly…
- `annual_rate` (number): Annual interest rate in percent (nominal APR used for the payment), e.g. 6.5 for 6.5%. 0 is allowed.
- `currency` (string): ISO 4217 currency code for formatting, e.g. USD, EUR, GBP. Default USD.
- `down_payment` (number): Down payment amount, e.g. 50000. Used with home_price.
- `down_payment_percent` (number): Down payment as a percent of home_price, e.g. 20 for 20%.
- `extra_payment` (number): Extra principal paid with every payment, e.g. 200 for $200 more each month.
- `hoa_monthly` (number): Monthly HOA dues, e.g. 75.
- `home_insurance_annual` (number): Yearly homeowners insurance for the PITI breakdown, e.g. 1500.
- `home_price` (number): Purchase price or current home value, e.g. 400000. Used with down_payment/down_payment_percent to get the loan amount, and as the value for PMI loan-to-value.
- `one_time_payments` (array): Lump-sum extra payments, e.g. [{"date":"2030-01","amount":10000}].
- `payment_frequency` (string): How often payments are made: monthly (default), biweekly (every 2 weeks, 26 a year), or weekly (52 a year).
- `pmi_rate` (number): Yearly private mortgage insurance rate as a percent of the original loan, e.g. 0.5. Needs home_price. Charged only while the loan is above 80% of the home value, and dropped once the balance reaches…
- `principal` (number): Loan amount to borrow, e.g. 350000. Give this OR home_price with a down payment.
- `property_tax_annual` (number): Yearly property tax for the PITI breakdown, e.g. 4800.
- `start_date` (string): Date of the first payment, YYYY-MM or YYYY-MM-DD, e.g. 2026-11. Defaults to the first day of next month.
- `term_months` (integer): Loan term in months, e.g. 360 or 72 for a car loan.
- `term_years` (number): Loan term in years, e.g. 30. Give term_years or term_months.

Output parameters:

- `accelerated` (boolean)
- `annual_rate` (number)
- `chart` (object)
- `currency` (string)
- `downloads` (object)
- `extra_payments`
- `final_payment` (number)
- `first_payment_date` (string)
- `home_price` (number|null)
- `inputs` (object)
- `loan_amount` (number)
- `payment` (number)
- `payment_frequency` (string)
- `payments_count` (number)
- `payoff_date` (string)
- `piti`
- `pmi`
- `summary` (string)
- `term_months` (number)
- `total_interest` (number)
- `total_paid` (number)
- `total_pmi` (number)
- `total_principal` (number)
- `vs_monthly`
- `warnings` (array)
- `yearly` (object)

### `compare_loans` (~624 tokens)

Compare loans

Use this when the user wants to compare 2 to 4 loan or mortgage options side by side, such as 15-year vs 30-year, different interest rates, paying discount points, or a mortgage calculator for refinance options. Shared values (loan amount, rate, term) go at the top level and each scenario overrides what differs. Returns payment, total interest, upfront costs, total cost, payoff date and the break-even month for points or fees, plus a comparison CSV. Fixed-rate loans only; does not look up current rates or recommend a lender. Do not use for a single loan (use calculate_loan).

Input parameters:

- `accelerated` (boolean): For biweekly/weekly only: true pays half (biweekly) or a quarter (weekly) of the monthly payment each period, which adds about one extra monthly payment a year. Default false (a true biweekly/weekly…
- `annual_rate` (number): Shared annual rate in percent for scenarios that do not set their own, e.g. 6.5.
- `currency` (string): ISO 4217 currency code for formatting, e.g. USD, EUR, GBP. Default USD.
- `down_payment` (number): Down payment amount, e.g. 50000. Used with home_price.
- `down_payment_percent` (number): Down payment as a percent of home_price, e.g. 20 for 20%.
- `home_price` (number): Purchase price or current home value, e.g. 400000. Used with down_payment/down_payment_percent to get the loan amount, and as the value for PMI loan-to-value.
- `payment_frequency` (string): How often payments are made: monthly (default), biweekly (every 2 weeks, 26 a year), or weekly (52 a year).
- `pmi_rate` (number): Yearly private mortgage insurance rate as a percent of the original loan, e.g. 0.5. Needs home_price. Charged only while the loan is above 80% of the home value, and dropped once the balance reaches…
- `principal` (number): Shared loan amount used by every scenario that does not set its own, e.g. 280000.
- `scenarios` (array, required): 2 to 4 loan scenarios. Each needs its own annual_rate and term unless set at the top level, e.g. [{"label":"30-year","annual_rate":6.5,"term_years":30},{"label":"15-year","annual_rate":5.75,"term_yea…
- `start_date` (string): Date of the first payment, YYYY-MM or YYYY-MM-DD, e.g. 2026-11. Defaults to the first day of next month.
- `term_months` (integer): Loan term in months, e.g. 360 or 72 for a car loan.
- `term_years` (number): Shared term in years for scenarios that do not set their own, e.g. 30.

Output parameters:

- `currency` (string)
- `downloads` (object)
- `lowest_cost_of_borrowing` (string)
- `lowest_payment` (string)
- `reference` (string)
- `scenarios` (array)
- `warnings` (array)

## Diagnostics

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

## Score history

- 2026-10-23: 73
- 2026-10-22: 72

## Common questions

### What is the Amortiza Loan Planner MCP server?

Amortiza Loan Planner is an MCP server listed in the public MCP registry as io.github.theluckystrike/loan-planner. Mortgage & loan schedules. This page covers its hosted endpoint (https://loan-planner.zovo.one/mcp).

### Is the Amortiza Loan Planner MCP server safe to use?

Amortiza Loan Planner scores 73 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 Amortiza Loan Planner MCP server expose?

Amortiza Loan Planner exposes 2 tools: calculate_loan, compare_loans. Their descriptions and schemas cost roughly 1,344 tokens of context every time the server is loaded.

### Does the Amortiza Loan Planner MCP server require authentication?

No. We connected to Amortiza Loan Planner without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Amortiza Loan Planner MCP server still maintained?

Amortiza Loan Planner is still listed as active in the MCP registry. We last reached this channel on 23 October 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://loan-planner.zovo.one/mcp
- Website: https://loan-planner.zovo.one/
- Changelog RSS feed: https://verifymcp.io/servers/theluckystrike-loan-planner/loan-planner.xml
- Changelog JSON feed: https://verifymcp.io/servers/theluckystrike-loan-planner/loan-planner.json
- HTML version of this page: https://verifymcp.io/servers/theluckystrike-loan-planner/loan-planner