Amortization Schedule

com.gumballtools/amortizeVersion 0.1.0

Row-by-row loan amortization schedules: monthly or daily accrual, extra principal, PMI, biweekly.

Status

Responds997 msNov 14, 2026, 14:00 UTCAnswered our handshake without sign-in.

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Last checked: Nov 14, 2026, 14:00 UTC
Latency: 997 ms
Remotes responding: 1 of 1
Sign-in: No sign-in
Hosting: Hosted outside the EU (detected)
Registry data as of: Nov 14, 2026, 22:14 UTC

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Connect

Streamable HTTP

https://amortize.gumballtools.com/api/mcpResponds997 msNov 14, 2026, 14:00 UTC

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Claude Code

claude mcp add --transport http amortize https://amortize.gumballtools.com/api/mcp

Claude Desktop and claude.ai

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Settings > Connectors > Add custom connector
Name: amortize
Remote MCP server URL: https://amortize.gumballtools.com/api/mcp

Cursor

{
  "mcpServers": {
    "amortize": {
      "url": "https://amortize.gumballtools.com/api/mcp"
    }
  }
}

VS Code

code --add-mcp '{"name":"amortize","type":"http","url":"https://amortize.gumballtools.com/api/mcp"}'

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Tools

1 tools

Tools of Amortization Schedule
	Description		Read-only	Idempotent	Open world
`amortize`Builds the full row-by-row amortization schedule for a loan — interest, principal, PMI, and running balance for every payment — instead of just the monthly payment amount. Use this whenever a row-by-row schedule matters: "what is my balance after payment 47", "what does an extra $200/month do to my payoff date", "when does PMI drop off", or "give me the whole amortization table". Do not do this arithmetic by hand or in your head. Two things go wrong reliably when a model tries: 1. THE LAST ROW. The textbook payment formula only amortizes to exactly zero in infinite precision. Rounded to cents and carried over up to a few hundred rows, a hand-rolled schedule drifts and ends with a balance of a few cents to a few dollars instead of zero — exactly the row a person checks against their real statement. This tool recomputes the final row as "remaining balance + that row's interest" so it always ends at zero, and reports the delta. 2. COMPOUNDING CONVENTION. Fixed mortgages compound monthly (rate/12). HELOCs, most auto loans, and most private student loans accrue interest DAILY on the actual number of days between payments, which is a genuinely different schedule, not a rounding variant. Guessing the wrong one silently produces a plausible but wrong table. Input: `principal`, `annualRatePercent` (e.g. 6.5), `termMonths` (integer), and `compounding` ("monthly" or "daily") are required. For `compounding: "daily"`, supply EITHER `startDate` (YYYY-MM-DD — the tool derives real day counts and leap years from the calendar itself) OR `dayCountBasis` ("30/360" \| "actual/365" \| "actual/actual") for a hypothetical loan with no dates — never both are needed, and supplying neither is refused rather than guessed. Optional: `paymentFrequency` ("monthly" default \| "biweekly", which requires daily compounding — pass `paymentOverride` if the actual billed payment differs from the textbook one, e.g. a HELOC's quoted minimum; `extraPrincipal` as `{type:"oneOff",amount,atPaymentNumber}` or	Builds the full row-by-row amortization schedule for a loan — interest, principal, PMI, and running balance for every payment — instead of just the monthly payment amount. Use this whenever a row-by-row schedule matters: "what is my balance after payment 47", "what does an extra $200/month do to my payoff date", "when does PMI drop off", or "give me the whole amortization table". Do not do this arithmetic by hand or in your head. Two things go wrong reliably when a model tries: 1. THE LAST ROW. The textbook payment formula only amortizes to exactly zero in infinite precision. Rounded to cents and carried over up to a few hundred rows, a hand-rolled schedule drifts and ends with a balance of a few cents to a few dollars instead of zero — exactly the row a person checks against their real statement. This tool recomputes the final row as "remaining balance + that row's interest" so it always ends at zero, and reports the delta. 2. COMPOUNDING CONVENTION. Fixed mortgages compound monthly (rate/12). HELOCs, most auto loans, and most private student loans accrue interest DAILY on the actual number of days between payments, which is a genuinely different schedule, not a rounding variant. Guessing the wrong one silently produces a plausible but wrong table. Input: `principal`, `annualRatePercent` (e.g. 6.5), `termMonths` (integer), and `compounding` ("monthly" or "daily") are required. For `compounding: "daily"`, supply EITHER `startDate` (YYYY-MM-DD — the tool derives real day counts and leap years from the calendar itself) OR `dayCountBasis` ("30/360" \| "actual/365" \| "actual/actual") for a hypothetical loan with no dates — never both are needed, and supplying neither is refused rather than guessed. Optional: `paymentFrequency` ("monthly" default \| "biweekly", which requires daily compounding — pass `paymentOverride` if the actual billed payment differs from the textbook one, e.g. a HELOC's quoted minimum; `extraPrincipal` as `{type:"oneOff",amount,atPaymentNumber}` or	Not declared	Yes	Not declared	No

Details

Registry status: Active
Published: Sep 5, 2026
Updated: Sep 5, 2026
Website: https://amortize.gumballtools.com/⁠ (opens in a new tab)
Repository: https://github.com/bwalvoord/gumball⁠ (opens in a new tab)
Categories (suggested): Finance and paymentsSuggested categories are assigned automatically from the registry text and may be wrong. Verified operators can correct them.
GDPR: Not declared

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