compare_debt_consolidation

ai.senaro/personal-finance · Verify this server

Calculation, not advice. Verify with a professional before acting. Should you consolidate credit card debt with a personal loan? Compares keeping cards vs. consolidation loan vs. optional balance transfer offers (single offer or head-to-head multi-offer comparison via bt_offers[]). Supports partial balance transfers via bt_transfer_limit: transfers only up to that dollar amount (choosing cards by highest APR, highest balance, or manually), then runs a combined simulation of the BT card + remaining original-card balances together, so freed minimum payments are correctly redistributed. Shows total cost, interest saved, monthly payment change, origination fee breakeven, hidden risks (reracking), promo-trap detection per offer, and what-if scenarios. Works with multiple cards including cash advance balances. The response includes `chart_hints` with rendering directives any client can use. The `senaro-charts` MCP server renders them locally over stdio only. HEAVY tool: use output='summary' (default) for the headline comparison or output='inline' for the full payload. output='capture' writes the full payload to a file on this server's local disk for the chart-render pipeline; available on the local stdio transport only, and rejected with a structured error on the hosted HTTP transport.