Amortization Schedule
The row-by-row loan schedule, including the final payment nobody gets right.
Why delegate this
A model gets the payment formula roughly right and then drifts: over 360 rows the principal/interest split accumulates rounding error, and the final payment — the one row people actually check against a statement — is almost always wrong. It also cannot reliably answer what an extra $200 a month does to the payoff date. Compounding is a parameter rather than an assumption, because monthly and daily accrual produce genuinely different schedules and the caller knows which loan they have.
Tools
amortize_schedule
Build a loan amortization schedule
Returns the full row-by-row schedule: per-period interest, scheduled principal, any extra principal, PMI, payment and running balance. Handles monthly or daily accrual (daily needs a start date, so leap years follow from the calendar rather than an assumption), biweekly payments, one-off or recurring extra principal, and PMI termination under the Homeowners Protection Act at 78% or 80% of the ORIGINAL value — plus the midpoint trigger that ends PMI regardless of balance. The final payment differs from every other one and is reported as such. Refuses a payment that cannot amortize the balance rather than producing a schedule that never ends. Not financial advice.
Direct endpoint:
https://amortize.gumballtools.com/api/v1/run
Two ways to call it
Through the aggregator, which gives you every other tool at the same time:
claude mcp add --transport http gumball https://gumballtools.com/api/mcpOr directly, if this is the only capability you want:
claude mcp add --transport http amortize https://amortize.gumballtools.com/api/mcp