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Build a loan amortization schedule from chat and export it for Excel

The amortization schedule is the most-searched spreadsheet template on the internet, and every version of it is the same 20 minutes of formula wrangling: PMT for the payment, then 120 rows of interest = balance x rate / 12, principal = payment minus interest, balance minus principal. The MCP amortization server does the whole thing in one tool call and hands back the table.

One prompt, full schedule

"Create a loan: 25,000 at 8.9% over 5 years, monthly payments" stores the loan and returns the schedule - every month's payment split into interest and principal, and the running balance. Ask for the journal view and you get the double-entry form bookkeepers want; loans_report sums interest paid to date across every loan you have stored.

Because the loan is stored, follow-ups are free: "what if I pay 200 extra a month" becomes loan_repay_early and a recalculated schedule showing the interest saved and months dropped - the comparison people build a second spreadsheet tab for.

One click, with no JSON. Download amortization.mcpb from the latest release and open it in Claude Desktop. It runs on the Node runtime Claude Desktop ships with, so your own PATH and node version never come into it.

Or a URL, with nothing installed. /mcp/connect mints a free anonymous token and prints the ready line:

claude mcp add --transport http amortization https://mcp.zovo.one/mcp/amortization/t/<token>

Or from a clone, for a client with no bundle installer. Build once, then point the client at the built file:

git clone https://github.com/theluckystrike/mcp-servers.git
cd mcp-servers && npm install
npm run build -w packages/mcp-license -w servers/amortization

claude mcp add --scope user amortization -- node /absolute/path/to/mcp-servers/servers/amortization/dist/index.js

Claude Desktop, Cursor, Windsurf and Cline take the same two strings as JSON, in claude_desktop_config.json or the client's own MCP config file:

{
  "mcpServers": {
    "amortization": {
      "command": "node",
      "args": ["/absolute/path/to/mcp-servers/servers/amortization/dist/index.js"]
    }
  }
}

The npm packages are not published yet, so the npx form below returns a 404 today. It is kept because it is what that config becomes the day the publish lands, with nothing else changed; installing these servers when npx does not work yet has the whole picture.

claude mcp add amortization -- npx -y @theluckystrike/mcp-amortization

Where this beats the spreadsheet template

The template is only correct if your rate convention matches its formula - and the PMT signature differs between Excel, Google Sheets and Numbers, which is where most downloaded schedules go wrong. The server states its convention once and applies it consistently, and the schedule it returns is plain tabular data you can paste into any spreadsheet. For leasing specifically, the loan and lease guide covers asset-finance schedules; for what a payment actually costs over the full term, the loan calculator page gives the headline figures.

Runs locally over stdio. Free tier covers the core schedules; Pro is a one-time payment per server or part of the bundle.

Questions

Do I need to know the PMT formula?

No. You state principal, rate, term and payment frequency; the server computes the payment and the full schedule. No spreadsheet formulas involved.

Can I model extra repayments?

Yes. loan_repay_early applies an extra payment and recalculates the schedule, showing the interest saved and the term shortened.

Can I get the table into Excel?

Yes - the schedule comes back as tabular data you can paste straight into a sheet, with one row per payment.

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Servers used in this guide: MCP Amortization