theluckystrike MCP Amortization

Generates loan and lease amortization schedules, calculates early repayment costs, and produces double-entry journal entries for interest and principal. It supports level payment calculations, effective annual rate determination, and balance tracking without storing data on the server.

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Community listingStreamable HTTPNo sign-inEndpoint checked 2026-11-07Published by theluckystrike

You need:Free tokens allow 600 calls an houra Pro key 6000a token lasts 30 days from last use

MCP endpoint (Streamable HTTP)

https://mcp.zovo.one/mcp/amortization

Vendor documentation

What its tools do

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

Can change data (6)

loan_create
loan_schedule
loan_repay_early
loan_journal
loan_delete
license_activate

9 of 9 have a description · 9 of 9 declare behavior hints · 7 of 8 with parameters document them all

Checks and signals

Each line is separate evidence, not a trust score.

Passed Endpoint answered the live check · Nov 7, 2026, 1:47 AM UTC
Availability 1 of 1 checks passed in 30 days

What you can do with it

Build a loan schedule with per-period interest and principal
Calculate early repayment costs and interest savings
Generate double-entry journal lines for loan payments
List outstanding loan balances and terms

Source and maintenance

Community listingRegistry 0.23.0

mcp-registry: io.github.theluckystrike/amortization@0.23.0 Source repository Project website

Maintenance checked: Nov 7, 2026, 12:02 AM UTC

Protocol and capabilities

Server: mcp-amortization 0.22.6
MCP protocol negotiated in check: 2025-11-25
Tools: 9 advertised
Resources: 2 advertised
Resource templates: 0 advertised
Prompts: 2 advertised

Server-advertised capabilities

{
  "tools": {
    "listChanged": true
  },
  "prompts": {
    "listChanged": true
  },
  "resources": {
    "listChanged": true
  }
}

Server-provided instructions

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

Loan and lease amortization. It covers loans or leases with principal, fees, nominal rate and balloon, the level payment and effective annual rate, period-by-period schedules of interest and principal, the cost of settling or overpaying early, journal entries for payments, and what is owed across all loans. Amounts are whole minor units and rates are in basis points. Loans are stored per user account on McpStamp's hosted service. The free tier holds 3 agreements; early settlement, journals and the debt summary need Pro. One lifetime key unlocks this server and all 58 others: https://mcp.zovo.one/buy/bundle?src=instr.amortization

Tools

9 advertised

loan_create — Record a loan or lease

Advertised by the server during the last successful anonymous check.

Record a loan or lease and return its id, level payment and effective annual rate. principal_minor, fees and balloon are whole MINOR units; rate_bps is the nominal annual rate in basis points. Free: 3 agreements.

loan_create input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "name",
    "principal_minor",
    "currency",
    "rate_bps",
    "compounding",
    "payment_frequency",
    "term_periods",
    "method",
    "start_date"
  ],
  "properties": {
    "kind": {
      "enum": [
        "loan",
        "lease"
      ],
      "type": "string",
      "description": "Default \"loan\""
    },
    "name": {
      "type": "string",
      "maxLength": 200,
      "description": "What this agreement is, e.g. Van finance or Office lease"
    },
    "note": {
      "type": "string",
      "maxLength": 2000
    },
    "lender": {
      "type": "string",
      "maxLength": 200,
      "description": "Who the money is owed to"
    },
    "method": {
      "enum": [
        "annuity",
        "straight-principal"
      ],
      "type": "string",
      "description": "annuity for a level payment, straight-principal for equal principal and a falling payment"
    },
    "currency": {
      "type": "string",
      "pattern": "^[A-Za-z]{3}$",
      "description": "ISO code the agreement is denominated in"
    },
    "rate_bps": {
      "type": "integer",
      "maximum": 1000000,
      "minimum": 0,
      "description": "Nominal annual interest rate in basis points. 1200 is 12 percent. Zero is allowed"
    },
    "fees_minor": {
      "type": "integer",
      "minimum": 0,
      "description": "Arrangement fees in whole minor units, paid at drawdown. Default 0"
    },
    "start_date": {
      "type": "string",
      "maxLength": 10,
      "description": "Drawdown date, YYYY-MM-DD. The first payment falls one period after it"
    },
    "compounding": {
      "enum": [
        "weekly",
        "fortnightly",
        "monthly",
        "quarterly",
        "semiannual",
        "annual"
      ],
      "type": "string",
      "description": "How often interest compounds"
    },
    "term_periods": {
      "type": "integer",
      "maximum": 600,
      "minimum": 1,
      "description": "Number of payment periods, not years"
    },
    "balloon_minor": {
      "type": "integer",
      "minimum": 0,
      "description": "Final balloon or residual value in whole minor units, due with the last payment and not inside it. Default 0"
    },
    "principal_minor": {
      "type": "integer",
      "maximum": 100000000000000,
      "minimum": 1,
      "description": "Amount borrowed, in whole minor units (integer cents). 1,000,000 is EUR 10,000.00"
    },
    "payment_frequency": {
      "enum": [
        "weekly",
        "fortnightly",
        "monthly",
        "quarterly",
        "semiannual",
        "annual"
      ],
      "type": "string",
      "description": "How often a payment falls due"
    }
  },
  "additionalProperties": false
}

loan_create annotations

{
  "readOnlyHint": false,
  "openWorldHint": false,
  "idempotentHint": false,
  "destructiveHint": false
}

loan_schedule — Build the amortization schedule

Advertised by the server during the last successful anonymous check.

Build one loan's schedule: opening balance, payment, interest, principal and closing per period, with total interest. The last period absorbs rounding, landing exactly on the balloon or zero. loans_report totals it.

loan_schedule input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "loan"
  ],
  "properties": {
    "loan": {
      "type": "string",
      "maxLength": 200,
      "description": "The loan id, e.g. LOAN-2026-0001, or its exact name"
    },
    "year": {
      "type": "string",
      "maxLength": 4,
      "description": "Only the periods falling in this calendar year, YYYY"
    },
    "limit": {
      "type": "integer",
      "maximum": 600,
      "minimum": 1,
      "description": "Maximum rows, default and ceiling 600"
    },
    "from_period": {
      "type": "integer",
      "maximum": 600,
      "minimum": 1,
      "description": "First period to return. Default 1"
    }
  },
  "additionalProperties": false
}

loan_schedule annotations

{
  "readOnlyHint": false,
  "openWorldHint": false,
  "idempotentHint": false,
  "destructiveHint": false
}

loan_repay_early — Settle or overpay a loan early

Advertised by the server during the last successful anonymous check.

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. Pro.

loan_repay_early input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "loan",
    "as_of_period"
  ],
  "properties": {
    "loan": {
      "type": "string",
      "maxLength": 200,
      "description": "The loan id, e.g. LOAN-2026-0001, or its exact name"
    },
    "limit": {
      "type": "integer",
      "maximum": 600,
      "minimum": 1,
      "description": "Maximum remaining rows to return, ceiling 600"
    },
    "extra_minor": {
      "type": "integer",
      "minimum": 1,
      "description": "A partial overpayment in whole minor units. Omit to settle the loan in full"
    },
    "as_of_period": {
      "type": "integer",
      "maximum": 600,
      "minimum": 1,
      "description": "The period the extra money is paid at the end of. Period 1 is the first payment"
    },
    "keep_payment": {
      "type": "boolean",
      "description": "On a partial overpayment, keep the same payment and shorten the term. Default false, which keeps the term and lowers the payment"
    },
    "penalty_minor": {
      "type": "integer",
      "minimum": 0,
      "description": "Early repayment charge in whole minor units. Default 0"
    }
  },
  "additionalProperties": false
}

loan_repay_early annotations

{
  "readOnlyHint": false,
  "openWorldHint": false,
  "idempotentHint": false,
  "destructiveHint": false
}

loan_journal — Journal a loan payment

Advertised by the server during the last successful anonymous check.

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. Give period or month, not both. Pro.

loan_journal input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "loan"
  ],
  "properties": {
    "loan": {
      "type": "string",
      "maxLength": 200,
      "description": "The loan id, e.g. LOAN-2026-0001, or its exact name"
    },
    "month": {
      "type": "string",
      "maxLength": 7,
      "description": "Journal every payment falling in this month, YYYY-MM. Give this or period"
    },
    "period": {
      "type": "integer",
      "maximum": 600,
      "minimum": 1,
      "description": "The payment period to journal. Give this or month"
    },
    "category": {
      "type": "string",
      "maxLength": 200,
      "description": "Expense category for the expense_add payload. Default \"interest\""
    },
    "cash_account": {
      "type": "string",
      "maxLength": 200,
      "description": "Credit account for the payment. Default \"cash\""
    },
    "interest_account": {
      "type": "string",
      "maxLength": 200,
      "description": "Debit account for the interest. Default \"interest_expense\""
    },
    "liability_account": {
      "type": "string",
      "maxLength": 200,
      "description": "Debit account for the principal. Default \"loan_liability\""
    }
  },
  "additionalProperties": false
}

loan_journal annotations

{
  "readOnlyHint": false,
  "openWorldHint": false,
  "idempotentHint": false,
  "destructiveHint": false
}

loan_list — List the loan register

Advertised by the server during the last successful anonymous check.

Advertised read-only

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. Free; loans_report is the Pro roll-up.

loan_list input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "kind": {
      "enum": [
        "loan",
        "lease"
      ],
      "type": "string",
      "description": "Only loans, or only leases"
    },
    "as_of": {
      "type": "string",
      "maxLength": 10,
      "description": "Value the register at this date, YYYY-MM-DD. Default today"
    },
    "limit": {
      "type": "integer",
      "maximum": 600,
      "minimum": 1,
      "description": "Maximum rows, default and ceiling 600"
    },
    "currency": {
      "type": "string",
      "pattern": "^[A-Za-z]{3}$",
      "description": "Only agreements in this currency"
    }
  },
  "additionalProperties": false
}

loan_list annotations

{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

loan_delete — Delete a loan from the register

Advertised by the server during the last successful anonymous check.

Advertised destructive

Remove one loan or lease from the register and give its free-tier slot back. Refused, with the entry named, if a journal has already been taken from it. Free.

loan_delete input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "loan"
  ],
  "properties": {
    "loan": {
      "type": "string",
      "maxLength": 200,
      "description": "The loan id, e.g. LOAN-2026-0001, or its exact name"
    }
  },
  "additionalProperties": false
}

loan_delete annotations

{
  "readOnlyHint": false,
  "openWorldHint": false,
  "idempotentHint": false,
  "destructiveHint": true
}

loans_report — Report what is owed and what it costs

Advertised by the server during the last successful anonymous check.

Advertised read-only

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. Contractual balance, not cash paid. Pro.

loans_report input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "year": {
      "type": "string",
      "maxLength": 4,
      "description": "The calendar year to total the interest for, YYYY. Default the year of as_of"
    },
    "as_of": {
      "type": "string",
      "maxLength": 10,
      "description": "Value the debt at this date, YYYY-MM-DD. Default today"
    },
    "currency": {
      "type": "string",
      "pattern": "^[A-Za-z]{3}$",
      "description": "Only agreements in this currency"
    }
  },
  "additionalProperties": false
}

loans_report annotations

{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

license_status — License status

Advertised by the server during the last successful anonymous check.

Advertised read-only

Report this endpoint's licence state for your token as JSON: the product, the tier free or pro, why it is not Pro, and the checkout URL. Call it to explain a free-tier refusal. No arguments, nothing changes.

license_status input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {}
}

license_status annotations

{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

license_activate — Activate license

Advertised by the server during the last successful anonymous check.

Turn Pro on for this connection with key, an MCPL1.<payload>.<signature> issued at checkout for this server or the bundle. Data under your token stays; a wrong or expired key changes nothing. license_status confirms it.

license_activate input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "key"
  ],
  "properties": {
    "key": {
      "type": "string",
      "description": "License key from checkout, MCPL1.<payload>.<signature>"
    }
  },
  "additionalProperties": false
}

license_activate annotations

{
  "readOnlyHint": false,
  "openWorldHint": false,
  "idempotentHint": false,
  "destructiveHint": false
}

Prompts

2 advertised

upgrade_to_pro — Explain the upgrade

Advertised by the server during the last successful anonymous check.

Explain what Pro on the amortization server costs and exactly what the user has to do, without leaving the conversation.

feature: The capped feature that prompted this, if there was one

check_a_quote — Check a finance quote

Advertised by the server during the last successful anonymous check.

Check what a lender's quote actually costs: record the terms, read the effective rate, and see what settling early would save.

name: What the finance is for, e.g. Van finance (required)

Resources

2 advertised

pricing — Pricing and upgrade

Advertised by the server during the last successful anonymous check.

What amortization costs, what Pro unlocks, the checkout link that carries this connection's token, and the one step a person has to take. Machine-readable; read it before telling a user how to lift a free-tier cap.

pricing URI

pricing://amortization

MIME type: application/json

accounts — The accounts a loan payment touches, and where they are written

Advertised by the server during the last successful anonymous check.

The three account ids this server journals to, matching the cash book, and the one document it writes.

accounts URI

loan://accounts

MIME type: application/json

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: 684 ms
95th percentile latency: 684 ms

Maintenance history

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

Nov 7, 2026, 1:47 AM UTC · probe · passed · 684 ms · metadata changed · 9 tool(s), 2 resource(s), 0 resource template(s), 2 prompt(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 mcp-amortization https://mcp.zovo.one/mcp/amortization

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 mcp-amortization --url https://mcp.zovo.one/mcp/amortization

Cursor

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

Cursor configuration

{
  "mcpServers": {
    "mcp-amortization": {
      "url": "https://mcp.zovo.one/mcp/amortization"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).

Cline configuration

{
  "mcpServers": {
    "mcp-amortization": {
      "type": "streamableHttp",
      "url": "https://mcp.zovo.one/mcp/amortization",
      "disabled": false
    }
  }
}

VS Code

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

VS Code configuration

{
  "servers": {
    "mcp-amortization": {
      "type": "http",
      "url": "https://mcp.zovo.one/mcp/amortization"
    }
  }
}

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 mcp-amortization https://mcp.zovo.one/mcp/amortization

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://mcp.zovo.one/mcp/amortization

Windsurf

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

Windsurf configuration

{
  "mcpServers": {
    "mcp-amortization": {
      "serverUrl": "https://mcp.zovo.one/mcp/amortization"
    }
  }
}

Let your agent find its tools

Find servers like theluckystrike MCP Amortization from your agent. Add Koskamo once to search the index for endpoints, access requirements, and client setup. Public discovery needs no key.

Connect Koskamo Explore workflows

See all 6,190

theluckystrike MCP Amortization

Endpoint and access

What its tools do

Read-only (3)

Can change data (6)

Checks and signals

What you can do with it

Source and maintenance

Protocol and capabilities

Server-provided instructions

Tools

Prompts

Resources

30-day availability

Maintenance history

Connect from your client

Claude Code

Codex

Cursor

Cline

VS Code

Gemini CLI

Claude Desktop

Windsurf

Let your agent find its tools

Other data and analytics servers