Vinkius
Amortization Engine

Amortization Engine MCP for AI. Detect overcharged interest in loan agreements.

Claude Claude
ChatGPT ChatGPT
Cursor Cursor
Gemini Gemini
Windsurf Windsurf
VS Code VS Code
JetBrains JetBrains
Vercel Vercel
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Works with every AI agent you already use

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Connect to your AI in seconds.

Interest Amortization Engine calculates precise financial schedules needed for real estate litigation. It generates institutional-grade amortization tables, supporting both Price (French) and SAC (Constant Amortization) methods.

This tool isolates the exact principal and interest breakdown for every period, allowing you to mathematically challenge loan charges.

What your AI can do

Calculate amortization

Generates exact PRICE or SAC payment schedules given the principal, months, and annual rate.

Generate amortization schedules

Creates mathematically exact payment tables (Price or SAC) based on loan principal, term length, and annual rate.

Isolate interest components

Separates the total monthly payment into its distinct principal repayment portion and pure interest charge for every period.

Support multiple calculation types

Handles both Price (French) constant installment methods and SAC (Constant Amortization) schedules.

Included with Plan

Waiting for input…

AI Agent

Interest Amortization Engine: 1 Tool

Use the tools here to generate accurate financial schedules by providing principal amounts, term lengths, and rates for analysis.

Make your AI actually useful.

Add this MCP to Claude, Cursor, or Windsurf and your AI stops guessing. It gets real tools to look things up, take action, and handle the stuff you keep doing by hand.

Start using Interest Amortization Engine on Vinkius

Calculate Amortization

Generates exact PRICE or SAC payment schedules given the principal, months, and annual rate.

Security and governance baked right in.

Pick your AI client below to get set up. Just create a Vinkius account, subscribe, and you're instantly up and running. We handle the entire backend infrastructure, delivering out-of-the-box support for HTTPS Streamable, SSE, and OAuth2—zero messy routing required.

Claude AI

Claude AI

1

Open Claude Settings

Go to claude.ai, click your profile icon, then navigate to Customize → Connectors.

2

Add Custom Connector

Click the "+" button and select Add custom connector. Paste your Vinkius endpoint URL:

https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp

Replace [YOUR_TOKEN_HERE] with your token from cloud.vinkius.com. For OAuth-protected servers, expand Advanced settings to add credentials.

3

Start a conversation

Open a new chat. The Amortization Engine integration is available immediately — no restart needed.

Choose How to Get Started

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Amortization Engine MCP server cover

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Works with Claude, ChatGPT, Cursor, and more

The Model Context Protocol standardizes how applications expose capabilities to LLMs. Instead of operating in isolation, your AI gains direct access to external platforms, live data, and real-world actions through secure, standardized connections.

This connection provides 1 powerful capabilities that interface natively with Claude, ChatGPT, Cursor, and other compatible AI platforms. No middleware. No custom integration required.

Tracking down interest discrepancies feels like a full-time job.

Right now, proving an overcharge requires pulling together years of statements and running complex calculations in spreadsheets. You're constantly checking formulas, comparing dates across tabs, and praying the bank didn't mess up the math twice. It’s a tedious cycle of manual review, copy-pasting numbers, and fighting with formula errors.

With this MCP, you feed the loan details—principal, term, rate—into one place. The engine immediately generates the full schedule, detailing every single payment's principal and interest split. You get immediate, clean proof that lets your agent focus on *what* is wrong, not *how* to calculate it.

The `calculate_amortization` tool delivers mathematically precise schedules.

Forget the guesswork. You no longer have to rely on partial statements or approximations. The engine computes institutional-grade tables, supporting both Price and SAC methods with guaranteed accuracy across all periods.

This means your legal arguments are based on provable math, not good intentions. It’s a massive shift from tedious comparison work to presenting undeniable evidence.

What your AI can actually do with this

If you're challenging a bank's reported interest rates in court, your math has to be flawless. Standard language models fail when they hit complex financial modeling; generating accurate Price or SAC schedules is too difficult for them to handle reliably. This MCP runs the calculations locally, providing mathematically precise loan amortization tables that legal teams need.

It breaks down every payment into its exact principal and interest components, letting your agent pinpoint where overcharging occurred. By connecting this Interest Amortization Engine via Vinkius, you get a verifiable financial counter-schedule to build unassailable litigation arguments.

Built · Hosted · Managed by Vinkius Amortization Engine - Calculate Loan Schedules
Server ID 019e38ae-7620-73da-ab0b-d5d480509c63
Vinkius Inspector
Compliance Grade F
Score 3.6/100
Vinkius Inspector Badge — Score 3.6/100

Questions you might have

What is the difference between PRICE and SAC? +

PRICE features fixed total monthly payments (interest decreases, amortization increases). SAC features constant amortization, meaning the total monthly payment starts high and decreases over time.

Can it generate 360-month mortgages? +

Yes. It can instantly generate the complete, period-by-period JSON schedule for a 30-year (360-month) mortgage without timeout or token limit issues on the Vinkius Edge.

Are the outputs legally viable? +

Yes, the formulas applied are the exact universal mathematical standards required by courts and central banks worldwide.

If I use calculate_amortization with conflicting loan variables, how does it handle errors? +

It immediately validates inputs and returns a specific error code. The tool tells you exactly which variable is causing the issue, allowing you to fix your data without guessing.

Is the financial data processed by calculate_amortization secure, or does it upload my loan details? +

No, the computation runs entirely locally within your environment. Your detailed financial numbers never leave your machine, keeping all calculations private and secure.

After connecting the Interest Amortization Engine MCP via Vinkius, how do I begin with calculate_amortization? +

You invoke the tool name and provide three arguments: the principal amount, total months, and annual rate. Your AI agent handles sending these values for accurate execution.

Are there maximum limits on the number of payments I can calculate using calculate_amortization? +

The engine is built to handle long-term schedules, supporting up to 360 periods. You won't hit a ceiling unless you are working with an unusually massive principal.

What data format does the calculate_amortization tool accept for inputs? +

It accepts standard numerical formats for all three required parameters: principal, total months, and annual rate. You just need to feed it clean numbers.

Built & Managed by Vinkius 30s setup 1 tools

We've already built the connector for Amortization Engine. Just plug in your AI agents and start using Vinkius.

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All 1 tools are live and waiting. You're up and running in seconds.

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