calculate_loan_payoff

ai.senaro/personal-finance · Verify this server

Calculation, not advice. Verify with a professional before acting. Standard amortizing loan calculator. Returns monthly payment, total interest, a payoff date (null when the loan does not clear within its term), and a bucketed Analysis suitable for chart rendering. The Analysis includes KPIs, annotations (e.g. crossover month), and summary strings. When extra_monthly_payment is supplied, every computed figure in the response outside with_extra describes this loan without the extra payment, including monthly_payment, payoff_months, total_paid, total_interest, remaining_balance_at_term, payoff_date, months_to_halfway_principal, months_to_interest_flip, and every value under analysis; a warnings[] entry names this. The response includes `chart_hints` with rendering directives any client can use. The `senaro-charts` MCP server renders them locally over stdio only. On the local stdio transport, use output: 'capture' when passing the result to a chart tool to avoid filling the LLM context with bucket data; the hosted HTTP transport rejects 'capture' with a structured error, so use 'summary' (default; the full payload is already returned inline) there instead. This tool does not support output: 'inline' on any transport.