Koskamo

FeeFighter MCP

FeeFighter is an MCP server that helps users audit junk fees, project annual costs, and draft dispute letters. It annualizes charges, totals yearly costs, flags fees above typical US ranges, and generates polite dispute letters with escalation paths. It operates via pure arithmetic and text generation without sending data to companies.

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FeeFighter MCP logo, by MagicTeamsCommunity listingStreamable HTTPNo sign-inEndpoint checked 2026-11-07Published by MagicTeams
MCP endpoint (Streamable HTTP)
https://fee-fighter.magicteams.ai/mcp
Vendor documentation

What its tools do

4 tools, grouped by the hints the server advertises. Hints are self-declared, not verified behavior.

Read-only (4)

4 of 4 have a description · 4 of 4 declare behavior hints · 4 of 4 with parameters document them all

Checks and signals

Each line is separate evidence, not a trust score.

  • Passed Endpoint answered the live check ·
  • Availability 1 of 1 checks passed in 30 days

What you can do with it

  • Audit a list of fees to annualize costs and flag disputable charges
  • Project the cumulative cost of fees over 1-30 years
  • Look up typical US consumer fee ranges for specific categories
  • Draft a firm, polite dispute letter to reverse a specific fee

Source and maintenance

Community listingRegistry 1.0.0
mcp-registry: io.github.everyai-com/fee-fighter@1.0.0Source repository
Maintenance checked

Protocol and capabilities

Server
fee-fighter 1.0.0
MCP protocol negotiated in check
2025-11-25
Tools
4 advertised
Resources
Not advertised
Resource templates
Not advertised
Prompts
Not advertised
Server-advertised capabilities
{
  "tools": {
    "listChanged": false
  }
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

FeeFighter audits junk fees from a list you provide: it annualizes and totals them, flags charges above typical US ranges, duplicate names and disputable one-time fees, benchmarks categories against typical US fee ranges, and drafts dispute letters. All maths and text only; nothing stored and nothing sent.

Tools

4 advertised

audit_fees — Audit fees
Advertised by the server during the last successful anonymous check.
Advertised read-only

Audit a list of fees: annualize each one (monthly x12), total the yearly cost and monthly average, and flag charges above the typical US range for their category, duplicate names and one-time fees of $30+ worth disputing. Use when the user lists fees to review. For a multi-year projection use annual_cost; for typical ranges alone use benchmark_fees.

audit_fees input schema
{
  "type": "object",
  "required": [
    "fees"
  ],
  "properties": {
    "fees": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "name",
          "amount",
          "frequency"
        ],
        "properties": {
          "name": {
            "type": "string",
            "minLength": 1,
            "description": "Fee label as it appears on the statement, e.g. 'Overdraft fee' or 'Netflix'"
          },
          "amount": {
            "type": "number",
            "description": "Amount per charge in USD, greater than 0, e.g. 38 or 15.99 (for monthly fees, the monthly amount)",
            "exclusiveMinimum": 0
          },
          "category": {
            "type": "string",
            "description": "Optional benchmark category key (case-insensitive; spaces/hyphens become underscores). One of: bank_overdraft, bank_monthly_maintenance, atm_out_of_network, late_payment, gym_membership_monthly, streaming_monthly, airline_checked_bag, airline_seat_fee, ticket_convenience, rental_application, subscription_app_monthly, delivery_fee, airline_change_fee, hotel_resort_fee. Unknown keys are ignored for benchmarking and listed in audit_fees' note."
          },
          "frequency": {
            "enum": [
              "monthly",
              "annual",
              "one-time"
            ],
            "type": "string",
            "description": "How often the fee is charged: 'monthly' (x12 per year), 'annual' or 'one-time'"
          }
        }
      },
      "minItems": 1,
      "description": "Non-empty list of fees to audit, each {name, amount, frequency, category?}"
    }
  }
}
audit_fees output schema
{
  "type": "object",
  "required": [
    "currency",
    "fees",
    "total_annual",
    "total_monthly_average",
    "flagged_count",
    "note"
  ],
  "properties": {
    "fees": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "name",
          "amount",
          "frequency",
          "annualized",
          "flags"
        ],
        "properties": {
          "name": {
            "type": "string",
            "description": "Trimmed fee name"
          },
          "flags": {
            "type": "array",
            "items": {
              "enum": [
                "above typical",
                "duplicate name",
                "worth disputing"
              ],
              "type": "string"
            },
            "description": "Problem flags; empty when none apply"
          },
          "amount": {
            "type": "number",
            "description": "Amount per charge, USD, rounded to cents"
          },
          "frequency": {
            "enum": [
              "monthly",
              "annual",
              "one-time"
            ],
            "type": "string",
            "description": "Charge frequency as given"
          },
          "annualized": {
            "type": "number",
            "description": "Yearly cost of this fee, USD (monthly x12; annual and one-time as-is)"
          }
        }
      },
      "description": "One audited row per input fee, in input order"
    },
    "note": {
      "type": "string",
      "description": "Plain-language summary of the audit result; lists any unknown category keys that were ignored"
    },
    "currency": {
      "type": "string",
      "description": "Currency of all amounts; always USD"
    },
    "total_annual": {
      "type": "number",
      "description": "Sum of all annualized fees, USD"
    },
    "flagged_count": {
      "type": "integer",
      "description": "Number of fees with at least one flag"
    },
    "total_monthly_average": {
      "type": "number",
      "description": "total_annual divided by 12, USD"
    }
  }
}
audit_fees annotations
{
  "title": "Audit fees",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
annual_cost — Annual cost
Advertised by the server during the last successful anonymous check.
Advertised read-only

Project the cumulative cost of a fee list over 1-30 years by straight multiplication of each recurring fee's annualized amount, with one-time fees counted once (no compounding or inflation), with a per-fee breakdown. Use for 'what will these cost me over N years'. It does not flag fees: use audit_fees to find problem charges, benchmark_fees for typical ranges.

annual_cost input schema
{
  "type": "object",
  "required": [
    "fees"
  ],
  "properties": {
    "fees": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "name",
          "amount",
          "frequency"
        ],
        "properties": {
          "name": {
            "type": "string",
            "minLength": 1,
            "description": "Fee label as it appears on the statement, e.g. 'Overdraft fee' or 'Netflix'"
          },
          "amount": {
            "type": "number",
            "description": "Amount per charge in USD, greater than 0, e.g. 38 or 15.99 (for monthly fees, the monthly amount)",
            "exclusiveMinimum": 0
          },
          "category": {
            "type": "string",
            "description": "Optional benchmark category key (case-insensitive; spaces/hyphens become underscores). One of: bank_overdraft, bank_monthly_maintenance, atm_out_of_network, late_payment, gym_membership_monthly, streaming_monthly, airline_checked_bag, airline_seat_fee, ticket_convenience, rental_application, subscription_app_monthly, delivery_fee, airline_change_fee, hotel_resort_fee. Unknown keys are ignored for benchmarking and listed in audit_fees' note."
          },
          "frequency": {
            "enum": [
              "monthly",
              "annual",
              "one-time"
            ],
            "type": "string",
            "description": "How often the fee is charged: 'monthly' (x12 per year), 'annual' or 'one-time'"
          }
        }
      },
      "minItems": 1,
      "description": "Non-empty list of fees to project, each {name, amount, frequency, category?}; category is accepted but not used here"
    },
    "years": {
      "type": "integer",
      "maximum": 30,
      "minimum": 1,
      "description": "Number of years to project, integer 1-30; default 1"
    }
  }
}
annual_cost output schema
{
  "type": "object",
  "required": [
    "years",
    "per_fee",
    "cumulative_total",
    "note"
  ],
  "properties": {
    "note": {
      "type": "string",
      "description": "Method note: recurring fees multiplied by years, one-time fees counted once, no compounding"
    },
    "years": {
      "type": "integer",
      "description": "Number of years projected (1-30)"
    },
    "per_fee": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "name",
          "annualized",
          "cumulative"
        ],
        "properties": {
          "name": {
            "type": "string",
            "description": "Trimmed fee name"
          },
          "annualized": {
            "type": "number",
            "description": "Yearly cost of this fee, USD (monthly x12; annual as-is; one-time = the single charge, counted once)"
          },
          "cumulative": {
            "type": "number",
            "description": "Total over the period, USD: annualized x years for monthly/annual fees; the single amount for one-time fees"
          }
        }
      },
      "description": "Per-fee projection, in input order"
    },
    "cumulative_total": {
      "type": "number",
      "description": "Sum of all per-fee cumulative amounts, USD"
    }
  }
}
annual_cost annotations
{
  "title": "Annual cost",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
benchmark_fees — Benchmark fees
Advertised by the server during the last successful anonymous check.
Advertised read-only

Look up typical US consumer fee ranges (min/max per charge, USD) for one category such as bank_overdraft, or the full 14-category table when category is omitted. Use to answer 'is this fee normal?' questions. To check a user's own list of fees against these ranges, use audit_fees.

benchmark_fees input schema
{
  "type": "object",
  "properties": {
    "category": {
      "type": "string",
      "description": "Category key (case-insensitive; spaces/hyphens become underscores), one of: bank_overdraft, bank_monthly_maintenance, atm_out_of_network, late_payment, gym_membership_monthly, streaming_monthly, airline_checked_bag, airline_seat_fee, ticket_convenience, rental_application, subscription_app_monthly, delivery_fee, airline_change_fee, hotel_resort_fee. Omit to get the full table; an unknown key returns an error listing valid keys."
    }
  }
}
benchmark_fees output schema
{
  "type": "object",
  "required": [
    "currency",
    "source_note",
    "disclaimer"
  ],
  "properties": {
    "basis": {
      "type": "string",
      "description": "Basis label for the range (typical US range - verify current pricing)"
    },
    "count": {
      "type": "integer",
      "description": "Number of categories (full-table response only)"
    },
    "label": {
      "type": "string",
      "description": "Human-readable fee label, e.g. 'Out-of-network ATM fee'"
    },
    "category": {
      "type": "string",
      "description": "Benchmark category key, e.g. bank_overdraft"
    },
    "currency": {
      "type": "string",
      "description": "Currency of all ranges; always USD"
    },
    "categories": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "category",
          "label",
          "typical_min",
          "typical_max",
          "basis"
        ],
        "properties": {
          "basis": {
            "type": "string",
            "description": "Basis label for the range (typical US range - verify current pricing)"
          },
          "label": {
            "type": "string",
            "description": "Human-readable fee label, e.g. 'Out-of-network ATM fee'"
          },
          "category": {
            "type": "string",
            "description": "Benchmark category key, e.g. bank_overdraft"
          },
          "typical_max": {
            "type": "number",
            "description": "High end of the typical US range per charge, USD"
          },
          "typical_min": {
            "type": "number",
            "description": "Low end of the typical US range per charge, USD"
          }
        }
      },
      "description": "Every benchmark row (full-table response only)"
    },
    "disclaimer": {
      "type": "string",
      "description": "Informational-only disclaimer"
    },
    "source_note": {
      "type": "string",
      "description": "Where the ranges come from and how to read them"
    },
    "typical_max": {
      "type": "number",
      "description": "High end of the typical US range per charge, USD"
    },
    "typical_min": {
      "type": "number",
      "description": "Low end of the typical US range per charge, USD"
    }
  }
}
benchmark_fees annotations
{
  "title": "Benchmark fees",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
dispute_letter — Dispute letter
Advertised by the server during the last successful anonymous check.
Advertised read-only

Draft (text only; nothing is sent) a firm, polite letter asking a company to reverse or refund one specific fee, with grounds, a 14-day written-response request, an escalation path and sending tips. Use once the user has picked a fee to contest. To find which fees are worth disputing first, use audit_fees.

dispute_letter input schema
{
  "type": "object",
  "required": [
    "fee_name",
    "amount",
    "company",
    "your_name"
  ],
  "properties": {
    "amount": {
      "type": "number",
      "description": "Fee amount in USD, greater than 0, e.g. 38",
      "exclusiveMinimum": 0
    },
    "reason": {
      "type": "string",
      "description": "Optional grounds for the dispute; default cites an undisclosed/unexpected charge and asks for a courtesy reversal"
    },
    "company": {
      "type": "string",
      "description": "Company or bank that charged the fee, e.g. 'First National Bank'"
    },
    "fee_name": {
      "type": "string",
      "description": "Name of the fee being disputed, e.g. 'Overdraft fee'"
    },
    "your_name": {
      "type": "string",
      "description": "Account holder's full name, used in From and to sign the letter"
    },
    "date_charged": {
      "type": "string",
      "description": "Optional date the fee was charged, free text, e.g. 2026-09-14"
    },
    "requested_action": {
      "type": "string",
      "description": "What to ask the company to do, e.g. 'waive' or 'refund'; default 'reverse or refund'"
    },
    "account_reference": {
      "type": "string",
      "description": "Optional account or reference number; prefer a masked form like '****1234'"
    }
  }
}
dispute_letter output schema
{
  "type": "object",
  "required": [
    "subject",
    "letter",
    "sending_tips",
    "disclaimer"
  ],
  "properties": {
    "letter": {
      "type": "string",
      "description": "Full letter text with To/From/Subject header and signature"
    },
    "subject": {
      "type": "string",
      "description": "Subject line, e.g. Request to reverse or refund the $38.00 fee"
    },
    "disclaimer": {
      "type": "string",
      "description": "Not legal or financial advice disclaimer"
    },
    "sending_tips": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "Practical tips for sending, following up and escalating"
    }
  }
}
dispute_letter annotations
{
  "title": "Dispute letter",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks
1 of 1 (100%)
Average latency
198 ms
95th percentile latency
198 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

  • · probe · passed · 198 ms · metadata changed · 4 tool(s)

Connect from your client

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

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.
Claude Code configuration
claude mcp add --transport http feefighter-mcp https://fee-fighter.magicteams.ai/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 feefighter-mcp --url https://fee-fighter.magicteams.ai/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable feefighter-mcp in your MCP settings.
Cursor configuration
{
  "mcpServers": {
    "feefighter-mcp": {
      "url": "https://fee-fighter.magicteams.ai/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).
Cline configuration
{
  "mcpServers": {
    "feefighter-mcp": {
      "type": "streamableHttp",
      "url": "https://fee-fighter.magicteams.ai/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start feefighter-mcp and inspect its tools.
VS Code configuration
{
  "servers": {
    "feefighter-mcp": {
      "type": "http",
      "url": "https://fee-fighter.magicteams.ai/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 feefighter-mcp https://fee-fighter.magicteams.ai/mcp

Claude Desktop

Open Claude Settings > Connectors > Add custom connector, enter this server URL and enable it for the conversation. This is a manual remote-connector handoff, not a desktop JSON configuration.
Claude Desktop configuration
https://fee-fighter.magicteams.ai/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": {
    "feefighter-mcp": {
      "serverUrl": "https://fee-fighter.magicteams.ai/mcp"
    }
  }
}

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