Amortization Schedule
https://amortize.gumballtools.com/api/mcp ↗
Description
Row-by-row loan amortization schedules: monthly or daily accrual, extra principal, PMI, biweekly.
What our measurements say
Amortization Schedule is a remote MCP server published at amortize.gumballtools.com. It has been probed 6 times since 9/12/2026. It answered in 6 of them (100.0%), a near-uninterrupted record. Median response time is 1,136 ms, a delay an agent will notice. It offers a narrow, focused set of 1 tools. On the protocol side it speaks the 2026-07-28 stateless spec.
Agent readability score
Can an LLM agent pick the right tool here — names, descriptions and parameter clarity are assessed.
Agent readability score
Strengths
- Tool name clearly indicates its purpose for loan amortization
- Description includes specific use cases for agent decision-making
Weaknesses
- Optional parameters lack clear documentation on when they're required
- Missing error handling guidance for invalid inputs
- PMI object structure not defined in parameters
amortize— extraPrincipal parameter has null type which is ambiguousamortize— pmi object lacks property definitionsamortize— compounding parameter doesn't specify allowed values
Verdict
Event narrative
Risk: low
Advice
Schema compliance
tools/list structure, inputSchema validity, and a functional smoke test — the components of the 0-100 score.
- tools/list schema valid
- inputSchema is valid JSON Schema
- Smoke test not run this round
- Cold-start: cold 528ms → warm 189ms (penalty 339ms)
Tools
Tools the server advertised in the latest measurement — measured, not catalog-claimed.
amortizeBuilds the full row-by-row amortization schedule for a loan — interest, principal, PMI, and running balance for every payment — instead of just the monthly payment amount. Use this whenever a row-by-row schedule matters: "what is my balance after payment 47", "what does an extra $200/month do to my payoff date", "when does PMI drop off", or "give me the whole amortization table". Do not do this arithmetic by hand or in your head. Two things go wrong reliably when a model tries: 1. THE LAST ROW. The textbook payment formula only amortizes to exactly zero in infinite precision. Rounded to cents and carried over up to a few hundred rows, a hand-rolled schedule drifts and ends with a balance of a few cents to a few dollars instead of zero — exactly the row a person checks against their real
principalnumberrequiredannualRatePercentnumberrequiredtermMonthsintegerrequiredcompoundingstringrequireddayCountBasisstringstartDatestringpaymentFrequencystringpaymentOverridenumberextraPrincipalpmiobject
Availability history
Event log
Derived by comparing consecutive probes — changes in era, protocol version, build and reachability.
- Added to watch — era: Dual-era
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[](https://mcpmetrics.io/servers/com-gumballtools-amortize)<a href="https://mcpmetrics.io/servers/com-gumballtools-amortize"><img src="https://mcpmetrics.io/badge/com.gumballtools/amortize/era.svg" alt="mcpmetrics"></a>You are seeing the last 7 days. Sign up for the full history. Which check failed and why is in the dashboard.
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