Amortization Schedule MCP MCP server

This MCP server exposes the engine behind the Amortization Schedule web application, allowing AI agents to generate row-by-row loan amortization schedules. It supports features such as monthly or daily accrual, extra principal payments, PMI calculations, and biweekly payment structures. The server operates via Streamable HTTP without authentication and is part of Project Gumball.

Endpoint and access

No sign-in: your client connects and lists tools immediately, with no account or key.

No sign-inEndpoint checked 2026-10-05Operated by Gumball Tools

MCP endpoint (Streamable HTTP)

https://amortize.gumballtools.com/api/mcp

Vendor documentation

What you can do with it

Generate monthly loan amortization schedules
Calculate daily accrual interest
Analyze impact of extra principal payments
Compute PMI and biweekly payment structures

Tools advertised by the last live check:

amortize

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

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Claude Code

Run this once in a terminal. It registers a Streamable HTTP server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

claude mcp add --transport http amortization-schedule-mcp https://amortize.gumballtools.com/api/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add amortization-schedule-mcp --url https://amortize.gumballtools.com/api/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable amortization-schedule-mcp in your MCP settings.

Cursor configuration

{
  "mcpServers": {
    "amortization-schedule-mcp": {
      "url": "https://amortize.gumballtools.com/api/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure). The type must be streamableHttp for a remote HTTP server.

Cline configuration

{
  "mcpServers": {
    "amortization-schedule-mcp": {
      "type": "streamableHttp",
      "url": "https://amortize.gumballtools.com/api/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start amortization-schedule-mcp and inspect its tools.

VS Code configuration

{
  "servers": {
    "amortization-schedule-mcp": {
      "type": "http",
      "url": "https://amortize.gumballtools.com/api/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

gemini mcp add --transport http amortization-schedule-mcp https://amortize.gumballtools.com/api/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.

Claude Desktop configuration

{
  "mcpServers": {
    "amortization-schedule-mcp": {
      "url": "https://amortize.gumballtools.com/api/mcp"
    }
  }
}

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

{
  "mcpServers": {
    "amortization-schedule-mcp": {
      "serverUrl": "https://amortize.gumballtools.com/api/mcp"
    }
  }
}

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