DebtEngines
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AI Setup & Tools Guide

Connect DebtEngines to Claude.ai and run your debt plan in conversation.

Four steps to connect. 40+ tools available the moment you do. Below is the full reference — what each tool does, the prompts that trigger it, and a few multi-tool workflows that save the most time.

Talk to Claude in any language it supports — English, Spanish, French, Portuguese, and more. DebtEngines itself is English-only today; Claude handles the translation on both sides of the conversation.

4-step setup

About 3 minutes total. You'll need a Claude.ai account (free or paid both work).

  1. 1

    Create your DebtEngines account

    Sign up with your email. Free tier supports up to 3 debts — enough to test the connector end-to-end before upgrading.

    Sign up
  2. 2

    Generate an API key

    Once logged in, go to Account → API Keys and click Generate new key. Give it a memorable label (e.g. "Claude.ai") and copy the key — you'll see it only once.

    Go to API Keys
  3. 3

    Add the DebtEngines connector in Claude.ai

    In Claude.ai, open Settings → Connectors → Add custom connector. Paste this MCP server URL:

    https://mcp.debtengines.com

    When Claude prompts for an API key, paste the key from Step 2. That's it — Claude now sees all your tools.

  4. 4

    Ask your first question

    Start a new Claude chat and try one of these to verify everything is wired:

    • "Show me my DebtEngines profile."
    • "Help me add my credit cards."
    • "Run an avalanche payoff plan with $1,200/month."

    Tip: if Claude says it doesn't see the new tools, go back to Settings → Connectors → DebtEngines and click Reload tools.

All 40+ tools, by category

Claude picks the right tool automatically — these are here so you can see the range and pick prompts that fit what you want to do.

Profile & account

Your user profile, currency, and current plan.

Tools

  • get_meRead your profile + tier (free / premium)
  • update_meChange name, currency, timezone
  • get_pricingShow current membership pricing

Example prompts

  • "Show me my DebtEngines profile."
  • "Change my currency to USD."
  • "What does premium cost right now?"

Debts

Create, read, update, and delete debts. The core of the system.

Tools

  • list_debtsAll active debts
  • list_inactive_debtsDebts excluded from the payoff plan
  • get_summaryTotal balance, APR mix, minimums in one call
  • create_debtAdd a new credit card / loan / promo card
  • update_balanceQuick balance correction (no payment logged)
  • update_debt_settingsAPR, minimum, monthly commitment, lender behavior, etc.
  • delete_debtPermanently remove a debt

Example prompts

  • "Add a new credit card: Chase Sapphire, $4,200 balance, 23.99% APR, $85 minimum, due the 14th."
  • "Show me a summary of all my debts."
  • "Change my Wells Fargo Auto APR from 6.49% to 6.24% — they just refinanced."

Status & lifecycle

Active vs. inactive (in / out of the payoff plan) and archived (account closed).

Tools

  • mark_activeInclude a debt back in the payoff plan
  • mark_inactiveExclude a debt from the payoff plan (still tracked)
  • archive_debtMark an account as closed (paid off, transferred, etc.)
  • restore_debtUn-archive a previously closed account

Example prompts

  • "Exclude my Citi card from the payoff plan — I want to handle it separately."
  • "Archive my Discover card, I just paid it off and closed the account."
  • "Restore my old Capital One card, I reopened it for the promo."

Payments

Record real payments, see upcoming due dates, fix mistakes.

Tools

  • log_paymentRecord a payment (auto-splits principal vs. interest on installment loans)
  • list_paymentsPayment history for one debt or all debts
  • delete_paymentRemove an incorrect payment entry
  • get_upcoming_paymentsCalendar of what is due in the next N days

Example prompts

  • "I paid $250 on my Citi card today."
  • "What payments are due in the next 14 days?"
  • "Show every payment I made in April."

Payoff plans & strategy

The heart of DebtEngines. Run avalanche / snowball / deferred-interest strategies, save a plan, and check drift.

Tools

  • run_payoff_planSimulate a strategy and return the month-by-month plan
  • get_debt_optimizationHeuristic AI coaching — suggests better monthlyCommitments across debts
  • get_payoff_planRead the currently saved plan
  • save_payoff_planLock in a plan so the app tracks drift over time
  • delete_payoff_planDiscard the saved plan
  • confirm_plan_debtMark a plan debt as on-track after review
  • mark_plan_debt_for_reviewFlag a plan debt that has drifted
  • list_plan_logAudit log of plan-level changes

Example prompts

  • "Run an avalanche-first payoff plan with $1,500 a month and compare it to snowball."
  • "Is my saved plan still on track, or has anything drifted?"
  • "What’s the optimal monthly commitment across all my debts to hit debt-free in 36 months?"

Amortization

Schedules and snapshots for installment loans (auto, mortgage, personal).

Tools

  • get_amortizationGenerate a full schedule with optional extra principal
  • list_amortization_snapshotsSaved schedules for a loan (premium)
  • save_amortization_snapshotSave the current schedule as a named snapshot
  • rename_amortization_snapshotRelabel a snapshot
  • delete_amortization_snapshotRemove a snapshot

Example prompts

  • "Show me an amortization schedule for my auto loan with $100/mo extra principal."
  • "Save this schedule as "Auto loan — $100 extra"."
  • "Compare my saved snapshots side by side."

Promo / intro-APR cards

0%-APR balance transfers and intro-APR purchases — tracked as their own debt type.

Tools

  • list_promotionsAll open promo offers
  • record_promo_purchaseLog a new purchase on a promo card
  • update_promotionAdjust APR, end date, or balance
  • delete_promotionRemove a promo entry

Example prompts

  • "I just made a $1,800 promo-financed purchase on my Citi Costco card — 0% for 12 months."
  • "What promo offers do I have, and which one expires first?"
  • "Update my Wells Fargo balance transfer end date to Nov 30."

Support & docs

Submit feedback, track tickets, read inline documentation.

Tools

  • submit_feedbackOpen a feedback / bug / support ticket (real humans reply)
  • list_my_ticketsSee your open and recent tickets
  • read_feedbackRead the full thread of a single ticket
  • reply_to_feedbackReply to an existing ticket
  • get_documentationPull inline docs on a specific topic (lender behavior, monthlyCommitment, etc.)

Example prompts

  • "Submit feedback: "Upcoming payments widget should also show the due day-of-week.""
  • "Any reply on my last ticket?"
  • "Explain how monthlyCommitment interacts with the cascade."

Common multi-tool workflows

Where AI orchestration shines: one prompt, several tools called in sequence, a coherent answer at the end.

1

Onboard a new user end-to-end

You just signed up and want everything imported in one Claude session.

  1. 1.Add 4 credit cards in one message — Claude calls create_debt for each, in parallel.
  2. 2.Add a car loan with the original amount, APR, term, and current balance.
  3. 3.Set your monthly budget for debt: "I have $1,500/month to throw at this."
  4. 4.Run an avalanche plan and a snowball plan, compare them, and save the better one.
  5. 5.Set up the upcoming-payments calendar so Claude can remind you before due dates.
2

Monthly check-in

Once a month, on a Sunday morning, take five minutes.

  1. 1.Log every payment you made since last check-in (Claude can take a paste from your bank statement).
  2. 2.Ask Claude to compare your actual vs. saved plan — flag any drift.
  3. 3.For drifted debts: confirm_plan_debt if it was a one-off, or mark_for_review and adjust the plan.
  4. 4.Run get_debt_optimization to see if rebalancing monthly commitments would shave months off.
3

Promo card expiration sweep

Two months before any 0%-APR promo ends — Claude can warn you in advance.

  1. 1.Ask Claude: "Which of my promo offers expire in the next 60 days?"
  2. 2.For each expiring promo: ask what the post-promo APR is and how much principal is left.
  3. 3.Have Claude simulate paying it off in time vs. carrying it forward — see the interest difference.
  4. 4.Adjust monthlyCommitment on that card to clear it before the promo ends (if feasible).

Ready to wire it up?

Create your account, generate an API key, paste it into Claude.ai. Three minutes.

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