Payment tableLocal install
Loan Calculator
Monthly payment, total interest and a yearly schedule in one ask.
Free. No paid tier, no key.
What you get
380,000 USD over 30 years
Two offers side by side
| Rate | A month | Interest |
|---|---|---|
| 6.5% | 2,401.86 | 484,669 |
| 6.1% | 2,302.78 | 449,001 |
| Lower rate saves | about 35,700 | |
Ask for the monthly payment on any loan and get the payment, the total you'll pay and the total interest. Ask again and get a year-by-year schedule of principal, interest and balance. It's a local install only, so the math runs on your machine. No lead forms, no ads.
Made for Home buyers, Small business owners, Bookkeepers, Car buyers
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.
Loan Calculator is free. Pro on the other 49 paid servers: $39 once. Free vs Pro
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Example 1 · Dana Ruiz, first-time buyer in Austin, TexasCompare two mortgage offers
Two offers on a 380,000 USD mortgage over 30 years: 6.5% and 6.1%. What's the monthly payment and total interest for each?loan_paymentPrices the 6.5% offerloan_paymentPrices the 6.1% offer
6.5%: 2,401.86 USD a month, 484,669 USD interest. 6.1%: 2,302.78 USD a month, 449,001 USD interest. The lower rate saves about 35,700 USD over the term.
Saves about 10 min (our estimate)
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Example 2 · Tom Hughes, café owner in Leeds, UKShorter term or lower payment
Loan of 250,000 at 4.8%. Show me 25 years against 20 years, and the yearly balance for the 20-year option.loan_paymentPrices the 25-year termloan_paymentPrices the 20-year termloan_amortizeLists principal, interest and balance for each of the 20 years
1,432.49 a month over 25 years versus 1,622.39 over 20 years. The 20-year term costs about 40,400 less in interest. A 20-row schedule shows the balance at the end of each year. (Figures print with a $ sign. The math is the same in pounds.)
Saves about 20 min (our estimate)
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Example 3 · Marcus Bell, plumber in OhioCheck a van loan before signing
The dealer offers 32,000 USD at 7.9% over 5 years. What will it cost me in total?loan_paymentWorks out payment and total interestloan_amortizeShows how much principal is paid each year
647.31 USD a month, 6,838.85 USD total interest, and a 5-row schedule to check against the dealer's paperwork.
Saves about 10 min (our estimate)
Free, every tool
Limits read from the code: servers/loan-calculator/src/index.js (no license code) + https://mcp.zovo.one/s/loan-calculator
Install
Works with Claude, Cursor, VS Code and other MCP clients. This server runs on your machine.
npm @theluckystrike/mcp-loan-calculator
Download the .mcpb bundle and open it. Claude Desktop installs it in one click.
Download loan-calculator.mcpbAdd this to your MCP client config (Claude Desktop, Cursor, VS Code). Needs Node.js.
{
"mcpServers": {
"loan-calculator": {
"command": "npx",
"args": [
"-y",
"@theluckystrike/mcp-loan-calculator"
]
}
}
} One command in your terminal.
claude mcp add loan-calculator -- npx -y @theluckystrike/mcp-loan-calculator
All tools (2)
| Tool | What it does |
|---|---|
loan_payment | Monthly payment, total paid and total interest from principal, rate and years |
loan_amortize | Year-by-year principal, interest and balance for the whole term |
Questions
Does it handle 0% loans?
Is the schedule monthly or yearly?
Can I use it from a hosted URL?
More in Calculators
Loan Calculator is free