Show Real Cost MCP

An official MCP server providing educational loan-cost calculations for AI assistants. It computes payments, payoff times, compares loan offers including fees, calculates payday loan APRs, checks refinancing savings, and applies Rule of 78s. It also provides average Federal Reserve rates. The server performs calculations only, stores no user data, and does not act as a lender or broker.

Endpoint and access

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

No sign-inEndpoint checked 2026-10-19Operated by Riverbend Crossroads Digital LLC

MCP endpoint (Streamable HTTP)

https://mcp.showrealcost.com/mcp

Vendor documentation

What you can do with it

Calculate monthly payments and total interest for a fixed-rate loan
Determine payoff time for a balance with a fixed monthly payment
Compare multiple loan offers including origination fees and APRs
Calculate the true cost and APR of a payday loan with renewals

Tools advertised by the last live check:

loan_payment
payoff_time
compare_loan_offers
payday_loan_cost
refinance_check
precomputed_loan_payoff
per_diem_interest
debt_payoff_plan
average_loan_rates

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 a Streamable HTTP server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

claude mcp add --transport http show-real-cost-mcp https://mcp.showrealcost.com/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 show-real-cost-mcp --url https://mcp.showrealcost.com/mcp

Cursor

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

Cursor configuration

{
  "mcpServers": {
    "show-real-cost-mcp": {
      "url": "https://mcp.showrealcost.com/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": {
    "show-real-cost-mcp": {
      "type": "streamableHttp",
      "url": "https://mcp.showrealcost.com/mcp",
      "disabled": false
    }
  }
}

VS Code

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

VS Code configuration

{
  "servers": {
    "show-real-cost-mcp": {
      "type": "http",
      "url": "https://mcp.showrealcost.com/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 show-real-cost-mcp https://mcp.showrealcost.com/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": {
    "show-real-cost-mcp": {
      "url": "https://mcp.showrealcost.com/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": {
    "show-real-cost-mcp": {
      "serverUrl": "https://mcp.showrealcost.com/mcp"
    }
  }
}

Ground your agent in cited data

Show Real Cost MCP gives your agent tools. Koskamo gives it reviewed, cited facts to check its answers against. Add it as a second MCP server; public reads need no API key.

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