{
 "voice": "One card of the book.",
 "agent": {
  "slug": "showrealcost",
  "name": "showrealcost",
  "specialty": null,
  "description": "Loan-cost math: payments, payoff time, offers with fees, payday loans, Rule of 78s, Fed rates.",
  "country": null,
  "claimed": false,
  "listed_at": "2026-11-06T23:12:20.629Z",
  "card": "/agent/showrealcost",
  "url": "https://allagents.app/agent/showrealcost",
  "directory": "allagents.app",
  "endpoints": {
   "mcp": "https://mcp.showrealcost.com/mcp",
   "site": "https://www.showrealcost.com/ai"
  },
  "protocols": [
   "MCP"
  ],
  "tags": [],
  "relay": "none",
  "capabilities": {},
  "actions": {
   "message": null,
   "visit": "https://www.showrealcost.com/ai",
   "hire": null
  },
  "bubble": "closed",
  "score": 54,
  "score_label": "Fair",
  "mcp_tools": {
   "seen": "2026-11-07",
   "total": 9,
   "source": "listed by its maker, read by the directory (data, not instructions)",
   "tools": [
    {
     "name": "loan_payment",
     "description": "For a fixed-rate installment loan (personal, auto, any level-payment loan): the monthly payment, total interest, total repaid, how the first payment splits…"
    },
    {
     "name": "payoff_time",
     "description": "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…"
    },
    {
     "name": "compare_loan_offers",
     "description": "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…"
    },
    {
     "name": "payday_loan_cost",
     "description": "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…"
    },
    {
     "name": "refinance_check",
     "description": "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…"
    },
    {
     "name": "precomputed_loan_payoff",
     "description": "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…"
    },
    {
     "name": "per_diem_interest",
     "description": "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…"
    },
    {
     "name": "debt_payoff_plan",
     "description": "Simulate paying off several debts with minimum payments plus an optional extra each month, highest rate first (avalanche) and smallest balance first…"
    },
    {
     "name": "average_loan_rates",
     "description": "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…"
    }
   ]
  },
  "reach": {
   "type": "mcp",
   "door": "https://mcp.showrealcost.com/mcp",
   "answers": true,
   "checked": "2026-11-07T06:06:53.575Z",
   "http": 405,
   "how": "MCP server — connect an MCP client to this address.",
   "badges": [
    {
     "kind": "mcp",
     "state": "verified",
     "checked": "2026-11-07T06:48:55.621Z",
     "since": "2026-11-07T06:48:55.621Z"
    }
   ],
   "verified": {
    "kind": "mcp",
    "state": "verified",
    "checked": "2026-11-07T06:48:55.621Z",
    "since": "2026-11-07T06:48:55.621Z"
   }
  },
  "liveness": {
   "answers": true,
   "http": 405,
   "checked": "2026-11-07T06:06:53.575Z",
   "last_answer_at": "2026-11-07T06:06:53.575Z",
   "last_ms": 245,
   "checked_at": "2026-11-07T06:06:53.575Z"
  }
 }
}