io.github.SPFreedom/showrealcost

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Les 9 outils

• average_loan_rates≈ 400 tokens

  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".

  Paramètres, retour & exemple (4)

  Paramètres

  • amount · number · optionnel
    Optional with offered_rate_pct: amount borrowed or card balance, in dollars
  • months · integer · optionnel
    Optional with offered_rate_pct: number of monthly payments
  • loan_type · string · optionnel · personal_loan_24_months | new_car_loan_60_months | new_car_loan_72_months | credit_card
    One kind of loan; leave out for all four
  • offered_rate_pct · number · optionnel
    Optional: a rate the person was offered, to compare with the average (needs loan_type)

  Exemple d'appel

  {"name": "average_loan_rates", "arguments": {"amount": 1, "months": 1, "loan_type": "personal_loan_24_months", "offered_rate_pct": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• compare_loan_offers≈ 387 tokens

  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".

  Paramètres, retour & exemple (2)

  Paramètres

  • offers · array · requis
  • cash_needed · number · requis
    Cash the borrower needs to receive, in dollars

  Exemple d'appel

  {"name": "compare_loan_offers", "arguments": {"offers": [], "cash_needed": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• debt_payoff_plan≈ 344 tokens

  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".

  Paramètres, retour & exemple (2)

  Paramètres

  • debts · array · requis
  • extra_per_month · number · optionnel
    Extra paid each month on top of all minimums, in dollars

  Exemple d'appel

  {"name": "debt_payoff_plan", "arguments": {"debts": []}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• loan_payment≈ 308 tokens

  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".

  Paramètres, retour & exemple (4)

  Paramètres

  • amount · number · requis
    Amount borrowed, in dollars
  • months · integer · requis
    Number of monthly payments
  • payments_made · integer · optionnel
    Optional: payments already made, to see progress so far
  • annual_rate_pct · number · requis
    Annual interest rate in percent, e.g. 6.97

  Exemple d'appel

  {"name": "loan_payment", "arguments": {"amount": 1, "months": 1, "annual_rate_pct": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• payday_loan_cost≈ 338 tokens

  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".

  Paramètres, retour & exemple (5)

  Paramètres

  • amount · number · requis
    Amount borrowed, in dollars
  • flat_fee · number · optionnel
    Any flat fee, tip or instant-transfer fee for one term, in dollars
  • renewals · integer · optionnel
    Times the loan is renewed or rolled over by paying only the fee
  • term_days · integer · requis
    Days until the loan is due
  • fee_per_100 · number · optionnel
    Fee per $100 borrowed for one term, in dollars (e.g. 15)

  Exemple d'appel

  {"name": "payday_loan_cost", "arguments": {"amount": 1, "term_days": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• payoff_time≈ 254 tokens

  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.

  Paramètres, retour & exemple (3)

  Paramètres

  • balance · number · requis
    Balance owed today, in dollars
  • annual_rate_pct · number · requis
    Annual interest rate in percent
  • monthly_payment · number · requis
    Fixed amount paid each month, in dollars

  Exemple d'appel

  {"name": "payoff_time", "arguments": {"balance": 1, "annual_rate_pct": 1, "monthly_payment": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• per_diem_interest≈ 226 tokens

  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.

  Paramètres, retour & exemple (3)

  Paramètres

  • days · integer · requis
    Days of interest
  • balance · number · requis
    Principal balance, in dollars
  • annual_rate_pct · number · requis

  Exemple d'appel

  {"name": "per_diem_interest", "arguments": {"days": 1, "balance": 1, "annual_rate_pct": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• precomputed_loan_payoff≈ 282 tokens

  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".

  Paramètres, retour & exemple (4)

  Paramètres

  • amount · number · requis
    Amount financed, in dollars
  • months · integer · requis
  • payments_made · integer · requis
    Payments made so far
  • annual_rate_pct · number · requis
    Contract rate in percent

  Exemple d'appel

  {"name": "precomputed_loan_payoff", "arguments": {"amount": 1, "months": 1, "payments_made": 1, "annual_rate_pct": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• refinance_check≈ 342 tokens

  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".

  Paramètres, retour & exemple (6)

  Paramètres

  • balance · number · requis
    Balance owed today, in dollars
  • new_months · integer · requis
    Term of the new loan in months
  • new_loan_fee · number · optionnel
    Any fee added to the new loan, in dollars
  • new_rate_pct · ? · requis
  • current_payment · number · requis
    Current monthly payment, in dollars
  • current_rate_pct · number · requis

  Exemple d'appel

  {"name": "refinance_check", "arguments": {"balance": 1, "new_months": 1, "new_rate_pct": "texte", "current_payment": 1, "current_rate_pct": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

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Source

https://mcp.showrealcost.com/mcp