@utilix-tech/mcp 0.60.0 → 0.61.0

package/CHANGELOG.md

@@ -2,6 +2,9 @@
 
 Full release notes for all Utilix surfaces (browser tools, REST API, SDKs, MCP server) live at [utilix.tech/changelog](https://utilix.tech/changelog). This file tracks just this package.
 
+## 0.61.0
+- Add `calculate_extra_payment_payoff` tool: compute how much faster a fixed-rate loan pays off, and how much interest is saved, when a fixed extra amount is added to every monthly payment.
+
 ## 0.60.0
 - Add `build_retry_after_header`, `parse_retry_after_header` tools: build an HTTP Retry-After response header from a delay in seconds or a target date, or parse an existing one, per RFC 9110.
 - Add `calculate_freelancer_rate` tool: solve for the minimum hourly rate a freelancer must charge to hit a target annual income, given billable hours, weeks worked, overhead, and a profit margin.

package/README.md

@@ -1,6 +1,6 @@
 # @utilix-tech/mcp
 
-MCP server exposing 211 developer utility tools to Claude, Cursor, VS Code Copilot, and any [Model Context Protocol](https://modelcontextprotocol.io) compatible AI assistant.
+MCP server exposing 212 developer utility tools to Claude, Cursor, VS Code Copilot, and any [Model Context Protocol](https://modelcontextprotocol.io) compatible AI assistant.
 
 No API key required. All tools run locally. Requires Node.js 18 or later.
 
@@ -162,7 +162,7 @@ claude mcp add utilix -- npx -y @utilix-tech/mcp
 | `convert_timezone` | Convert a date/time between timezones |
 | `convert_iso8601_duration` | Parse an ISO 8601 duration into components and total seconds, or format seconds into a duration string |
 
-### Units (36 tools)
+### Units (37 tools)
 | Tool | Description |
 |------|-------------|
 | `convert_bytes` | Convert between B, KB, MB, GB, TB, KiB, MiB, GiB, TiB |
@@ -201,6 +201,7 @@ claude mcp add utilix -- npx -y @utilix-tech/mcp
 | `calculate_debt_to_income_ratio` | Compute the debt-to-income ratio (total monthly debt payments / gross monthly income) from one or more monthly debts, plus a qualitative tier matching common mortgage-lending guidance |
 | `calculate_blended_loan_rate` | Compute the single weighted-average interest rate across a list of loan balances, weighted by each loan's share of the combined balance, plus combined monthly and annual interest accrual |
 | `calculate_freelancer_rate` | Solve for the minimum hourly rate a freelancer must charge to hit a target annual income, given billable hours, weeks worked, overhead, and a profit margin |
+| `calculate_extra_payment_payoff` | Compute how much faster a fixed-rate loan pays off, and how much interest is saved, when a fixed extra amount is added to every monthly payment |
 
 ### API / Network (33 tools)
 | Tool | Description |

package/dist/index.js

@@ -2091,6 +2091,55 @@ server.tool(
     return text(JSON.stringify(result, null, 2));
   }
 );
+function _calculateExtraPaymentPayoff(principal, annualRatePercent, termMonths, extraMonthlyPayment) {
+  const baseline = _calculateLoan(principal, annualRatePercent, termMonths);
+  if ("error" in baseline) return baseline;
+  if (!Number.isFinite(extraMonthlyPayment) || extraMonthlyPayment < 0) {
+    return { error: "Extra monthly payment must be zero or a positive number" };
+  }
+  const monthlyRate = annualRatePercent / 100 / 12;
+  const payment = _roundMoneyMcp(baseline.monthlyPayment) + _roundMoneyMcp(extraMonthlyPayment);
+  let balance = _roundMoneyMcp(principal);
+  let totalInterestPaid = 0;
+  let payoffMonths = termMonths;
+  for (let month = 1; month <= termMonths; month++) {
+    const interest = monthlyRate === 0 ? 0 : _roundMoneyMcp(balance * monthlyRate);
+    let principalPortion = payment - interest;
+    if (principalPortion > balance) principalPortion = balance;
+    totalInterestPaid += interest;
+    balance = _roundMoneyMcp(balance - principalPortion);
+    if (balance <= 0) {
+      payoffMonths = month;
+      break;
+    }
+  }
+  const baselineTotalInterest = baseline.totalInterest;
+  return {
+    monthlyPayment: _roundMoneyMcp(baseline.monthlyPayment),
+    extraMonthlyPayment: _roundMoneyMcp(extraMonthlyPayment),
+    baselinePayoffMonths: termMonths,
+    baselineTotalInterest,
+    newPayoffMonths: payoffMonths,
+    newTotalInterest: _roundMoneyMcp(totalInterestPaid),
+    monthsSaved: termMonths - payoffMonths,
+    interestSaved: _roundMoneyMcp(baselineTotalInterest - totalInterestPaid)
+  };
+}
+server.tool(
+  "calculate_extra_payment_payoff",
+  "Compute how much faster a fixed-rate loan pays off, and how much interest is saved, when a fixed extra amount is added to every monthly payment on top of the standard amortized payment.",
+  {
+    principal: z.number().describe("Loan principal amount"),
+    annualRatePercent: z.number().describe("Annual interest rate as a percent, e.g. 6.5"),
+    termMonths: z.number().int().describe("Original loan term in months"),
+    extraMonthlyPayment: z.number().describe("Fixed extra amount added to every monthly payment")
+  },
+  async ({ principal, annualRatePercent, termMonths, extraMonthlyPayment }) => {
+    const result = _calculateExtraPaymentPayoff(principal, annualRatePercent, termMonths, extraMonthlyPayment);
+    if ("error" in result) return errText(result);
+    return text(JSON.stringify(result, null, 2));
+  }
+);
 var _BARCODE_FORMAT_BY_LENGTH = { 8: "EAN-8", 12: "UPC-A", 13: "EAN-13" };
 function _computeBarcodeCheckDigit(dataDigits) {
   let sum = 0;

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@utilix-tech/mcp",
-  "version": "0.60.0",
+  "version": "0.61.0",
   "description": "MCP server exposing 198 Utilix developer tools to Claude, Cursor, VS Code Copilot, and any MCP-compatible AI assistant.",
   "author": "Utilix <hello@utilix.tech>",
   "license": "MIT",