Monthly payments and full amortization in one sentence. loan_payment returns the monthly payment and total interest for principal, rate and term, and loan_amortize returns the full schedule; the annuity formula is implemented exactly, a 0% rate is handled as straight-line division rather than producing NaN, and every amount passes the shared money formatter so the cents agree with a bank's.
Two tools against the 100-tool ceiling, and loan_amortize's schedule is the one output worth reading in full — ask Cascade to summarize year 3 rather than dump 300 rows.
| You say | Tool |
|---|---|
| Monthly payment on a 320,000 mortgage at 5.5% over 25 years? | loan_payment |
| Amortize that loan and show year 3. | loan_amortize |
| Compare 15 vs 30 years at 6.2% on 200,000. | loan_payment, twice |
The contract suite asserts the annuity arithmetic over real stdio against hand-computed values: a 320,000 loan at 5.5% over 25 years returns the same monthly payment to the cent in both tools, the amortization schedule's principal and interest columns sum to the payment on every row, and the final balance lands on zero.
The file is mcp_config.json, and the key inside it is mcpServers.
| Scope | Path |
|---|---|
| macOS, Windows and Linux | ~/.codeium/windsurf/mcp_config.json |
If you also run Claude Desktop, the shortest path there is one click: loan-calculator.mcpb
from the latest release opens as an extension, with no JSON and no terminal.
Windsurf reads its own config, so here it is:
The config block:
{
"mcpServers": {
"loan-calculator": {
"command": "node",
"args": ["/absolute/path/to/mcp-servers/servers/loan-calculator/dist/index.js"]
}
}
}The node command above wants a built file. From a clone, once:
git clone https://github.com/theluckystrike/mcp-servers.git
cd mcp-servers && npm install
npm run build -w packages/mcp-license -w servers/loan-calculatorThat writes servers/loan-calculator/dist/index.js, and its absolute path is the one argument
the config needs.
The npm packages are not published yet, so the form below returns a 404 today. It is here because it is what the entry becomes the day the publish lands, with nothing else changed:
{
"mcpServers": {
"loan-calculator": {
"command": "npx",
"args": ["-y", "@theluckystrike/mcp-loan-calculator"]
}
}
}Save and reopen the MCP Servers list; Cascade picks it up without restarting the editor.
Nothing is published to npm yet, so the working install paths are the ones above: the .mcpb bundle from the latest release, a clone and build, or the hosted URL.
There is no hosted endpoint for this one yet. MCP Loan Calculator runs locally over stdio with the config above, which is also the only form in which it reads and writes files on your own disk. Thirty of the servers in this collection are served at https://mcp.zovo.one/mcp/<name> over MCP streamable HTTP; https://mcp.zovo.one/mcp/connect lists them and prints a ready URL for each.
Read this first: mcp_config.json applies to the legacy Cascade agent only. The Devin Local agent, the default for new tabs, takes its servers from the Devin CLI config files, so a correct entry here can still be invisible in a fresh tab. The other hard number is a cap: Cascade reaches at most 100 tools at once, and every enabled server spends from it.
Free: Everything: two tools, no metering, no key. Pro is $19 once, verified offline.
~/.codeium/windsurf/mcp_config.json, under mcpServers. Reach it from the MCPs icon at the top right of the Cascade panel, or Devin Settings, Cascade, MCP Servers.
That file applies to the legacy Cascade agent only. The Devin Local agent, the default for new tabs, reads its servers from the Devin CLI config files instead. Check which agent the tab runs.
Cascade reaches at most 100 tools at any one time, and every enabled server spends from that single budget. MCP Loan Calculator contributes 2 tools, so keep the enabled list short rather than counting servers.
MCP Loan Calculator in detail · The same server in VS Code and Cline · Every server in Windsurf · Guides · Windsurf docs · Buy Pro