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Amortization

Loan and lease schedules from the agreement, exact to the cent.

Free tier needs no key. See the exact limits.

What you get

Check a bank's loan quote

Owner of a bakery in Krakow

Report

Tool call	What it did
loan_schedule	Builds the 60-period schedule without storing anything

A payment of EUR 483.32 a month and about EUR 3,999 of interest over five years, with the balance for every month.

Example from "Check a bank's loan quote". Invented names, real math from the tools.

Give it the terms of a loan or lease and it returns the payment, the interest and every period of the schedule. It keeps a register of your agreements, prices an early repayment and writes the monthly journal your bookkeeper needs.

Made for Small business owners, Bookkeepers, Finance leads

3 requests, start to finish

Example chats. Each one uses real tools of this server, named as they run. The people and firms are made up.

Example done on the free tier. Doing this every week? Pro removes the limit for $19, once. Free vs Pro

Example 1 · Owner of a bakery in KrakowCheck a bank's loan quote

The bank offers EUR 25,000 over 60 months at 6% a year. What's the monthly payment and how much interest do I pay in total?
- loan_schedule Builds the 60-period schedule without storing anything
A payment of EUR 483.32 a month and about EUR 3,999 of interest over five years, with the balance for every month.

Saves about 20 min (our estimate)
Example 2 · Van owner, plumbing business in LeedsPrice an early payoff

I want to pay GBP 5,000 extra off my van loan next month and keep the same payment. How much interest do I save?
- loan_list Finds the stored van loan
- loan_repay_early Recomputes the schedule with the extra GBP 5,000
The new end date, the periods saved and the interest saved, next to the old schedule. Pro feature.

Saves about 30 min (our estimate)
Example 3 · Freelance bookkeeper in Dublin with 4 client loansBook the month's loan entries

Give me the October journal for every loan: interest expense, principal and the cash out.
- loan_journal Splits each October payment into interest and principal
- loans_report Totals the balance outstanding per currency
Ready-to-post debit and credit lines per loan, plus the total debt still owed. Pro feature.

Saves about 25 min (our estimate)

Free and Pro, line by line

The free column is yours with no key. The Pro column costs $19 once, or comes with the $39 bundle.

Free

$0 no key

Pro

$19 once, lifetime

Unlimited schedules with loan_schedule

Unlimited loans

Up to 3 loans in the register

Early repayment (loan_repay_early)

loan_delete gives a slot back

Monthly journal (loan_journal)

Debt report (loans_report)

Install free

Buy Amortization Pro, $19

Saw a message that says the free tier allows a set number per month? That's the limit Pro removes. Paste the key where the token goes, or set MCP_LICENSE_KEY.

Or Pro on all 49 paid servers for $39 once. Get the bundle

Limits read from the code: servers/amortization/src/index.ts:25 (FREE_LOANS = 3), :280, :326, :495 (requirePro); https://mcp.zovo.one/s/amortization

Install

Works with Claude, Cursor, VS Code and other MCP clients. The hosted URL needs no install at all.

npm @theluckystrike/mcp-amortization

Hosted URLClaude DesktopnpxClaude Code

Get a free token. It lasts 30 days and allows 600 calls per hour. Or open the connect page for a ready URL.
Paste the URL with your token as a custom connector in your MCP client.

1. Free token

curl -s -X POST https://mcp.zovo.one/mcp/token

2. Connector URL (replace <token>)

https://mcp.zovo.one/mcp/amortization/t/<token>

Download the .mcpb bundle and open it. Claude Desktop installs it in one click.

Download amortization.mcpb

Add this to your MCP client config (Claude Desktop, Cursor, VS Code). Needs Node.js.

{
  "mcpServers": {
    "amortization": {
      "command": "npx",
      "args": [
        "-y",
        "@theluckystrike/mcp-amortization"
      ]
    }
  }
}

One command in your terminal.

claude mcp add --transport http amortization https://mcp.zovo.one/mcp/amortization/t/<token>

# or run it locally
claude mcp add amortization -- npx -y @theluckystrike/mcp-amortization

Jobs this server does

Amortization

Loan and lease amortization in chat

Payment, interest, early settlement and the journal entries for a loan or lease, from one prompt. Uses the Amortization server. Paste one URL, no install.

You get: Report

All tools (7)

Tool	What it does
`loan_create`	Record a loan or lease and return its id, level payment and effective annual rate.
`loan_delete`	Remove one loan or lease from the register and give its free-tier slot back.
`loan_journal`	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.
`loan_list`	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.
`loan_repay_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.
`loan_schedule`	Build one loan's schedule: opening balance, payment, interest, principal and closing per period, with total interest.
`loans_report`	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.

Questions

Is the schedule itself free?

Yes. loan_schedule is free and unlimited on every tier. The free tier caps the stored register at 3 loans.

Does it round like my bank?

It works in integer minor units, so every amount is exact to the cent. Your bank may round the last payment differently. The schedule shows each period so you can compare.

Amortization

3 requests, start to finish

Free and Pro, line by line

Install

Jobs this server does

Loan and lease amortization in chat

All tools (7)

Questions

More in Bookkeeping

Asset Register

Bank Statement

Cash Book