{
  "name": "Free and Clear",
  "description": "See your new mortgage payoff date and the interest you save with extra payments, a lump sum or a biweekly plan. One tool: prepay(balance, annualRatePct, monthsRemaining, extraMonthly, lumpSum, biweekly) returns the new payoff month, months cut and interest saved. Free tier: 10 calls/day per caller, then 402 Payment Required at $0.02 per call. No payment rail settles yet; the response carries MPP and x402 challenges once a rail is enabled.",
  "url": "https://free-and-clear.tinyverb.com/mcp",
  "version": "1.0.0",
  "documentationUrl": "https://free-and-clear.tinyverb.com/openapi.json",
  "provider": { "organization": "Free and Clear", "url": "https://free-and-clear.tinyverb.com/" },
  "capabilities": { "streaming": false, "pushNotifications": false, "stateTransitionHistory": false },
  "defaultInputModes": ["application/json"],
  "defaultOutputModes": ["application/json"],
  "skills": [
    {
      "id": "prepay",
      "name": "Mortgage prepayment payoff",
      "description": "Turn a mortgage balance, rate and months left plus an extra monthly payment, lump sum or biweekly schedule into the new payoff month, months cut and interest saved.",
      "tags": ["mortgage", "payoff", "prepayment", "amortization", "finance"],
      "examples": ["prepay: balance 300000, 6.5%, 360 months left, $200 extra a month"]
    }
  ]
}