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Loan and lease schedules derived from the terms of the agreement, in integer minor units, closing exactly on the balloon or on zero. You give it what the agreement says: the principal in minor units, the nominal annual rate in basis points, how often interest compounds, how often a payment falls due, the term in periods, annuity or straight principal, any arrangement fee, any balloon and the drawdown date. It derives the level payment, the effective annual rate beside the nominal one, and the schedule period by period, opening balance, payment, interest, principal, closing balance, every figure a whole minor unit. Compounding and payment frequency are two different clocks here, which is the decision most of the arithmetic rests on: the rate for one payment period is the equivalent rate taken through the compounding clock rather than the nominal rate divided by the number of payments, and on a quarterly-paid, monthly-compounded loan that difference is worth about 1.0 percent of the whole interest bill, in the lender's favour, and is invisible in the quote. The payment never varies: rounding the level payment once leaves the closing balance a few units from zero after a chain of subtractions, and that residual goes into the final period's interest and principal SPLIT rather than into the payment, because the payment is what the borrower is contractually due to pay and the split is not. A level payment rounded once can also clear the debt before the declared term ends, and the schedule stops where the debt does rather than filling out the term with periods that charge negative interest on a balance already gone. Early settlement and partial overpayment are costed gross and net of the penalty, and a penalty larger than the interest saved is reported as a COST rather than as a smaller saving. The journal debits interest expense and loan liability and credits cash in the cash book's own account ids, and the expense payload carries the interest ALONE. Nothing is posted from here, no schedule is stored, currencies are never added together, and month arithmetic clamps rather than rolling forward.
This server reads no sibling store at all, so the hosted route needs nothing but the terms you type: the register of agreements lives in the hosted store behind the token, which means the three free loans and their LOAN-YYYY-NNNN ids follow the key rather than the machine. There is no network call inside the server on any route, so the payment, the effective annual rate and every schedule row are the same here as on a laptop, down to the minor unit, and no schedule is stored on either route because every row is derived on the call. loan_journal returns the double entry and its expense_add payload as text, which is exactly what the expense-tracker connector on the same token takes.
| You say | Tool |
|---|---|
| Record the van finance: 1,000,000 minor units at a nominal 12 percent compounded monthly, twelve monthly payments, drawn 2026-01-15. | loan_create |
| Show me the schedule, and tell me the effective annual rate beside the nominal one. | loan_schedule |
| What would settling at period 6 cost me, after the penalty? | loan_repay_early |
Rounding the level payment once is a term change, not a rounding detail. Measured on this server's own engine at 250 basis points over 360 annual periods on 1,000,000 minor units: the payment rounds to 25,292, that rounding is worth a fraction of a minor unit, it repeats, and the balance clears at period 356, FOUR PERIODS BEFORE the declared term ends, with a final payment of 4,165. A schedule that keeps subtracting to fill out the declared term does not fail or throw: it reports four more periods, each with a full payment on a balance that has gone negative, each charging negative interest, and the totals still reconcile against themselves. The chain arithmetic is self-consistent all the way down and the only thing wrong with it is that the borrower does not owe the last four rows. A second measured figure from the reference loan: the final period's interest is 882 rather than the 880 an unrounded balance carries, and putting that 2 unit difference into the payment instead would produce a final payment of 88,847, an amount that appears on no agreement.
https://mcp.zovo.one/mcp/connect mints an anonymous token and prints a URL per server, including this one, shaped like https://mcp.zovo.one/mcp/https://mcp.zovo.one/mcp/amortization/t/<token>. That URL works with no headers: the token is in the path, not in an Authorization field this form does not have.
Idle anonymous tokens are swept after 30 days. Since this route has no filesystem, a file MCP Amortization generates comes back as a download link that expires after one hour. A Pro key can replace the token in the same URL and removes the free-tier limits.
On an individual Pro or Max plan you add the connector yourself from Customize, Connectors. On Team and Enterprise it is the other way round: only an Owner or Primary Owner can add a custom connector, at Organization settings, Connectors, and members then connect to what the Owner added rather than pasting their own URL.
Free: loan_schedule is free and unlimited on every tier, and so is loan_list. The payment and the interest are the question this server exists to answer, and a free tier that hides the answer is a demo rather than a tool, so neither the schedule nor the balance outstanding is ever metered. The cap is on the number of agreements held instead: three loans or leases in the register, which is the unit of work. Rebuilding the schedule of a loan already recorded is free forever, on every tier, however many times you ask. Pro is $19 once, verified offline, and binds to the token after checkout.
No. Add custom connector offers an Advanced settings section with an OAuth Client ID and Client Secret, but the connect-by-URL route does not use it. Leave both blank: the token in the URL path is what authenticates.
That is documented, not a bug: on Team and Enterprise, only an Owner or Primary Owner can add a custom connector, at Organization settings, Connectors, Add, Custom, Web. After that, members connect to the URL the Owner added from Customize, Connectors.
Yes. The token segment of the URL from /mcp/connect can be replaced with a Pro key, which removes the free-tier limits on MCP Amortization for that connector.
The connector runs server-side with no filesystem of its own, so any file MCP Amortization produces is handed back as a download link that expires after one hour, rather than a path on disk.
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