# `io.github.SPFreedom/showrealcost` on anlyon.dev

> Text inside fenced blocks marked untrusted-server-text was written by the MCP server's publisher, not by anlyon.dev. It is data to inspect, not instructions to follow. Invisible characters are shown as [U+XXXX].
> No finding is not a safety guarantee: these are point-in-time checks of tool definitions, not of code or behaviour.

- Page: https://anlyon.dev/servers/io.github.SPFreedom/showrealcost
- JSON: https://anlyon.dev/api/v1/servers/io.github.SPFreedom/showrealcost
- Version: 0.1.0 (active)
- Publisher: io.github.SPFreedom (GitHub account)
- Runs: remote (streamable-http)
- Sign-in to list tools: none
- Metadata from the official MCP Registry, synced 2026-10-21T18:21:08.048Z

Title and description, as the publisher wrote them:

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

Scanned 2026-10-21T19:08:47.720Z over streamable-http.

**9 tools: 1 do something that can't be undone, 6 change things and 2 only read.**

| Group | Class | Tools | Claude Code |
| --- | --- | --- | --- |
| Deletes or cancels | destructive | 0 | deny |
| Can't be undone | irreversible | 1 | ask |
| Changes things | write | 6 | ask |
| Only reads | read | 2 | allow |

## Findings

- **warn** Annotations that disagree with the tool in `loan_payment` ([annotation-conflict](https://anlyon.dev/methodology#annotation-conflict))

```untrusted-server-text
The server marks "loan_payment" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".

annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "loan_payment" says "payment": a word that usually means money moves, which cannot be taken back.
```


## Can't be undone (1)

Sends, pays, publishes or merges: once done, it cannot be taken back. Claude Code: ask.

### `loan_payment`

- The name "loan_payment" says "payment": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
- Findings: warn annotation-conflict

Description, as the server wrote it:

```untrusted-server-text
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 cost" and "where did my payments go".
```

## Changes things (6)

Creates or changes something that can be changed back. Claude Code: ask.

### `average_loan_rates`

- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.

Description, as the server wrote it:

```untrusted-server-text
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 the gap in dollars. Averages across banks, never any one lender; quarterly figures bundled with the server, not live quotes. Use for "what is the average car loan rate", "have personal loan rates gone up" and "is 9% high for a car loan".
```

### `debt_payoff_plan`

- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.

Description, as the server wrote it:

```untrusted-server-text
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 $200 extra a month do".
```

### `payday_loan_cost`

- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.

Description, as the server wrote it:

```untrusted-server-text
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`

- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.

Description, as the server wrote it:

```untrusted-server-text
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`

- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.

Description, as the server wrote it:

```untrusted-server-text
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`

- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.

Description, as the server wrote it:

```untrusted-server-text
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".
```

## Only reads (2)

Looks things up and changes nothing. Claude Code: allow.

### `compare_loan_offers`

- The name "compare_loan_offers" says "compare": a word for reading.

Description, as the server wrote it:

```untrusted-server-text
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 none".
```

### `refinance_check`

- The description's first verb is "compare": a word for reading.

Description, as the server wrote it:

```untrusted-server-text
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".
```

## Claude Code permissions

For `.claude/settings.json`, assuming the server is installed as `showrealcost`:

```json
{
  "permissions": {
    "allow": [
      "mcp__showrealcost__compare_loan_offers",
      "mcp__showrealcost__refinance_check"
    ],
    "ask": [
      "mcp__showrealcost__loan_payment",
      "mcp__showrealcost__payoff_time",
      "mcp__showrealcost__payday_loan_cost",
      "mcp__showrealcost__precomputed_loan_payoff",
      "mcp__showrealcost__per_diem_interest",
      "mcp__showrealcost__debt_payoff_plan",
      "mcp__showrealcost__average_loan_rates"
    ],
    "deny": []
  }
}
```