# Show Real Cost Muse connector

From musedirectory.ai, the independent directory of Meta Muse connectors. Not affiliated with Meta.

## Show Real Cost

Calculate loan payments, compare offers, and understand the true cost of borrowing.

- Record: https://musedirectory.ai/connector/show-real-cost
- Category: Finance & Bills
- Developer: SPFreedom (https://www.showrealcost.com/ai)
- Muse status: Extra setup. Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
- Health: Working, 243ms, checked 2026-10-29T12:15:52Z
- Endpoint: https://mcp.showrealcost.com/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-10-28T22:36:36Z)
- Source: Found in the official MCP Registry (io.github.SPFreedom/showrealcost) https://registry.modelcontextprotocol.io/v0/servers?search=io.github.SPFreedom%2Fshowrealcost

Calculates monthly payments, total interest, and payoff timelines for personal loans, auto loans, credit cards, payday loans, and refinancing. Compares loan offers fairly and simulates debt payoff strategies. Uses Federal Reserve average rates for context.

Example request: "Compare a car loan at 6% with a $500 origination fee against one at 6.5% with no fee to see which costs less overall."

How to connect: Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use Show Real Cost to help me. It is a free service with an MCP server at https://mcp.showrealcost.com/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.

Tools:
- loan_payment: For a fixed-rate installment loan (personal, auto, any level-payment loan): the monthly payment, total interest, total repaid, how the first payment splits between interest and principal, and optionally how much has been paid and is still owed after a number of payments. Use for 
- payoff_time: How long a balance (credit card or loan) takes to pay off at a fixed monthly payment, and the interest paid. Use for "how long to pay off my card at $X a month" and for comparing a bigger payment by calling it twice.
- compare_loan_offers: Compare two to four loan offers with different rates and fees fairly: each offer is sized so the borrower receives the same cash, then compared on payment, total cost of borrowing (interest plus fees) and estimated APR. Use for "is a lower rate with an origination fee cheaper tha
- payday_loan_cost: For a payday loan, title loan, pawn loan, cash-advance app or any loan priced by a fee for a number of days: the fee in dollars, the APR, and what renewing (rolling over) costs. Use for "what is the APR on a $500 payday loan at $15 per $100" and "what does rolling it over cost".
- refinance_check: Compare keeping a loan against a refinance offer, from today forward: interest remaining on the current loan, interest on the new loan, and what happens if the borrower takes the new rate but keeps paying the old payment. Use for "the new loan has a lower payment, does it actuall
- precomputed_loan_payoff: For a precomputed or add-on interest loan (common from dealers, finance companies and furniture stores): the payoff after a number of payments under the Rule of 78s and under the actuarial method, and how much more the Rule of 78s keeps. Use for "why is my payoff different from m
- per_diem_interest: The interest a simple-interest loan adds each day, and over a number of days. Use for reading a payoff letter, for "how much more is my payoff than my statement balance", and for the cost of a skipped or deferred payment.
- debt_payoff_plan: Simulate paying off several debts with minimum payments plus an optional extra each month, highest rate first (avalanche) and smallest balance first (snowball), against minimums only. Returns months to debt-free and total interest for each. Use for "avalanche or snowball on my de
- average_loan_rates: The latest Federal Reserve (G.19) average interest rates at commercial banks for a 24-month personal loan, 60- and 72-month new car loans, and credit cards, with the change from the previous quarter and from a year earlier. Optionally compares a rate someone was offered with the 

Screening checks:
- MCP handshake: pass (Answered in 456ms)
- Domain against threat feeds (Cloudflare security DNS): pass (mcp.showrealcost.com, www.showrealcost.com not flagged)
- Published packages against the OSV malicious-package database: n/a (No npm or PyPI package published)
- Hidden instructions or invisible characters in tool text: pass (9 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (Domain registered 31 days ago)
- AI review of purpose and tool behavior: pass (No concerns)