# DebtFree

> Use this tool when you need to optimize debt repayment across multiple accounts by comparing snowball and avalanche strategies. It solves problems of inefficient debt payoff and high interest accumulation by providing calculations on total interest paid and payoff dates. It takes debt account details as input and outputs customized repayment plans, making it ideal for individuals seeking to escape the minimum payment trap and reduce their debt burden.

Canonical page: https://skillsregistry.net/skills/debtfree  
JSON: https://api.skillsregistry.net/v1/skills/debtfree

## Description

Provides debt payoff calculations comparing snowball (smallest balance first) and avalanche (highest interest first) strategies across multiple debt accounts. Models the minimum payment trap, projects total interest paid, and calculates the impact of extra monthly payments on payoff date and total cost. Distributed as an npm package with stdio transport.

## Trust

- **Trust score (0–1):** 0.65
- **Verification tier:** scanned
- **Last scanned:** 2026-09-03

## Facts

- **Version:** 1.0.0
- **Skill type:** atomic
- **Execution layer:** mcp-remote
- **Runtime environment:** api
- **Category:** finance
- **Updated:** 2026-09-03

## Source

- **Source listing:** [PulseMCP](https://www.pulsemcp.com/servers/debtfree)
- **Repository:** <https://github.com/chrisbusbin-pixel/debtfree-mcp-server>

## Use it

Resolve this record through the SkillsRegistry MCP server (no auth, read-only):

```
claude mcp add --transport http --scope user skillsregistry https://api.skillsregistry.net/mcp
```

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "get_skill",
    "arguments": {
      "slug": "debtfree"
    }
  }
}
```

REST: `GET https://api.skillsregistry.net/v1/skills/debtfree` · pull for local use: `GET https://api.skillsregistry.net/v1/skills/debtfree/pull`

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SkillsRegistry indexes agent skills from public registries and GitHub. Skills we have analysed are scanned with Circle-IR and scored on six dimensions; each listing states its scan coverage. More: https://skillsregistry.net/llms.txt