Boat loan calculator for AI assistants: MCP server

Add it to your AI assistant

Server URL (Streamable HTTP, no key, read-only):

https://yacht.loans/mcp

Claude (claude.ai and the desktop app): Settings, then Connectors, then Add custom connector. Paste the URL and save. No sign-in is needed.
ChatGPT: Settings, then Apps and Connectors. Turn on Developer mode under Advanced, choose Create, paste the URL and set authentication to none.
Grok: grok.com, then Connectors, then New connector, then Custom. Paste the URL.
Perplexity: Settings, then Connectors, then Add custom connector, then MCP. Paste the URL and choose no authentication.
Mistral Le Chat: Intelligence, then Connectors, then Add connector, then Custom MCP connector. Paste the URL.

Claude Code:

claude mcp add --transport http yacht-loans https://yacht.loans/mcp

Cursor (~/.cursor/mcp.json) and other clients that read mcpServers:

{
  "mcpServers": {
    "yacht-loans": {
      "url": "https://yacht.loans/mcp"
    }
  }
}

VS Code (.vscode/mcp.json):

{
  "servers": {
    "yacht-loans": {
      "type": "http",
      "url": "https://yacht.loans/mcp"
    }
  }
}

Gemini CLI (~/.gemini/settings.json):

{
  "mcpServers": {
    "yacht-loans": {
      "httpUrl": "https://yacht.loans/mcp"
    }
  }
}

Menu names change as the apps update. If a step has moved, look for "connectors" or "MCP" in the app's settings.

Tools

Tool	What it returns	Try asking
`calculate_boat_loan`	Monthly payment, payment with insurance, amount financed, the balloon when payments are figured over more years than the term, interest over the term, sales tax from a state rule or your own rate and cap, cash at closing, and the balance at the end of each year.	What is the payment on a $450,000 yacht with 20% down at 8%, a 15-year term figured over 20 years?
`get_boat_sales_tax`	A state's boat sales or use tax rule as its statute or tax agency states it: rate, cap, exemptions or tests, the citation and the date read. Omit the state for every state covered.	Is there a cap on boat sales tax in Florida?
`list_boat_lender_terms`	What banks, credit unions, marine lenders and brokers publish on their own boat loan pages: rates with dates, loan amounts, longest terms and boat age or size rules, with each source link.	What terms do credit unions publish for boat loans?
`estimate_uscg_documentation_fees`	Coast Guard NVDC fees (46 CFR 67.550) to document a financed recreational boat, from the certificate, endorsement years and page counts you give, plus the full fee table.	What does the Coast Guard charge to document a boat with a preferred mortgage?

Discovery file: /.well-known/mcp.json. The data behind the tools: boat sales tax by state, lender terms and Coast Guard documentation.

License and attribution

Free to use. Credit "Yacht.Loans" with a link when you publish a result. Results are estimates from the inputs given and published terms with their dates, not loan offers, rate quotes, tax advice or legal advice.

Questions

Is there a cost or an API key?

No. The server is free, read-only and needs no key or sign-in. Please link the yacht.loans page that comes back with each answer when you publish a result.

Do the tools give the same numbers as the calculator on this site?

Yes. calculate_boat_loan runs the same arithmetic as the calculator on the home page, and a state you name applies the same rate and cap the calculator offers for it. The tax rules, lender terms and Coast Guard fees are the ones published on the sales tax, lender terms and documentation pages.

Does it quote rates or check eligibility?

No. It has no rate of its own: give it the APR from your quote. Lender terms are what each lender publishes, with the date we read them, not offers, and a lender's current disclosure controls.

Questions or a correction: . Privacy and terms.

Boat loan calculator and data as an MCP server

Add it to your AI assistant

Tools

License and attribution

Questions