# Amortiza Loan Planner

> Mortgage & loan schedules

- name: io.github.theluckystrike/loan-planner
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 78/100 flags: no-repository
- quality: 91/100 (strong)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/io.github.theluckystrike%2Floan-planner
- tools: https://api.protogrid.dev/v1/servers/io.github.theluckystrike%2Floan-planner/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "loan-planner": {
      "type": "http",
      "url": "https://loan-planner.zovo.one/mcp"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 100
- freshness: 100
- provenance: 40
- drivers: +website -thin-description +reachable +uptime-100% +updated-23d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 91/100 (strong)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 100 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 2 of 2 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 2,558 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump
- pass `tools.hidden_text`: no hidden text in tool names, descriptions, schemas or annotations

### stability: 100 (weight 15)

- pass `stability.changes`: no tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name
- pass `stability.new_links`: no tool change named a new site

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 2, about 2,558 tokens to load them all
- tool set hash: 489956d36ee912d97f760549cf276c6c
- badge: [![protogrid quality](https://protogrid.dev/badge/io.github.theluckystrike/loan-planner.svg)](https://protogrid.dev/servers/io.github.theluckystrike/loan-planner)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

_No tool definition changes recorded._

## Remotes

- https://loan-planner.zovo.one/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (2)

- `calculate_loan`: Use this when the user wants a mortgage calculator, loan calculator, or amortization calculator result: the monthly (or biweekly/weekly) payment, an amortization schedule or table, total interest, payoff date, a mortgage calculator with extra payments or for paying off early, or a full PITI payment with property tax, insurance, HOA and PMI. Takes the loan amount or home price with down payment, rate, and term. Returns exact payment, totals, interest and time saved by extra payments, a yearly summary, and a CSV of the full schedule. Fixed-rate loans only; does not model adjustable rates, interest-only or balloon loans, and does not look up current rates. Do not use for rent-vs-buy advice or choosing a lender.
- `compare_loans`: Use this when the user wants to compare 2 to 4 loan or mortgage options side by side, such as 15-year vs 30-year, different interest rates, paying discount points, or a mortgage calculator for refinance options. Shared values (loan amount, rate, term) go at the top level and each scenario overrides what differs. Returns payment, total interest, upfront costs, total cost, payoff date and the break-even month for points or fees, plus a comparison CSV. Fixed-rate loans only; does not look up current rates or recommend a lender. Do not use for a single loan (use calculate_loan).