MCP server

Showrealcost

io.github.SPFreedom/showrealcost

Checked 26 Oct 2026, 08:29 UTC · Connected to it and listed its tools

Loan-cost math: payments, payoff time, offers with fees, payday loans, Rule of 78s, Fed rates.

Website

At a glance

Type

MCP server

Publisher

Not verified

Status

Working at last check

Tools

9

Token cost

About 2,714 tokens per request

Sets up in

Claude Code, Claude Desktop, Codex, Gemini CLI, Cursor, VS Code, Antigravity, ChatGPT, OpenAI API, Grok

Last checked

26 Oct 2026, 08:29 UTC

Connect it to your agent

Add to CursorAdd to VS CodeVS Code Insiders

Opens the app, which shows the server and asks you to confirm. For other apps, copy the setup below.

Claude Code

claude mcp add --transport http showrealcost https://mcp.showrealcost.com/mcp

Claude Desktop

Settings → Connectors → Add custom connector, and paste the URL.

Codex (config.toml)

[mcp_servers.showrealcost]
url = "https://mcp.showrealcost.com/mcp"

Gemini CLI

{"mcpServers":{"showrealcost":{"httpUrl":"https://mcp.showrealcost.com/mcp"}}}

Cursor

{"mcpServers":{"showrealcost":{"url":"https://mcp.showrealcost.com/mcp"}}}

VS Code

{"servers":{"showrealcost":{"type":"http","url":"https://mcp.showrealcost.com/mcp"}}}

Antigravity

agy mcp add showrealcost https://mcp.showrealcost.com/mcp

ChatGPT

Settings → Apps & Connectors → Advanced settings: turn on Developer mode, then Create a connector and paste the URL. Which plans can do this varies.

OpenAI API (Responses tools)

{"type":"mcp","server_label":"showrealcost","server_url":"https://mcp.showrealcost.com/mcp","require_approval":"always"}

Grok (xAI API tools)

{"type":"mcp","server_label":"showrealcost","server_url":"https://mcp.showrealcost.com/mcp"}

Tools

• average_loan_rates ~388 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 th
• compare_loan_offers ~373 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
• debt_payoff_plan ~324 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
• loan_payment ~293 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
• payday_loan_cost ~317 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".
• payoff_time ~230 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.
• per_diem_interest ~203 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.
• precomputed_loan_payoff ~259 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".
• refinance_check ~327 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".

Browse

• GitHub tools
• Website monitoring
• Payments
• GitHub and code hosting

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