Credit Card Payoff Calculator API

POST https://api.findutils.com/api/tools/credit-card-payoff-calculator/execute

Return how long a credit card balance takes to pay off at a fixed monthly payment (mode "payment"), or the payment needed to clear it in a target number of months (mode "months"), with total interest, total paid, payoff month, and a monthly schedule. APR is a yearly percentage.

Open the tool Try it

Request body

application/json

balance

number required

Current card balance. Must be > 0.
interest_rate

number required

Card APR in percent (18.99 = 18.99%).
mode

string optional

"payment": solve months from a fixed monthly_payment. "months": solve the payment from target_months. Default: payment. One of payment · months.
monthly_payment

number optional

Fixed monthly payment (mode "payment").
target_months

integer optional

Months to pay off the balance (mode "months").
start_month

string optional

Month of the first payment as YYYY-MM. Default: current UTC month.

Example arguments

Verified

{
  "balance": 5000,
  "interest_rate": 18.99,
  "monthly_payment": 200,
  "start_month": "2026-01"
}

curl -X POST https://api.findutils.com/api/tools/credit-card-payoff-calculator/execute \
  -H "Content-Type: application/json" \
  -d '{
    "balance": 5000,
    "interest_rate": 18.99,
    "monthly_payment": 200,
    "start_month": "2026-01"
  }'

const response = await fetch('https://api.findutils.com/api/tools/credit-card-payoff-calculator/execute', {
  method: 'POST',
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({"balance":5000,"interest_rate":18.99,"monthly_payment":200,"start_month":"2026-01"}),
});
const data = await response.json();

import requests

response = requests.post(
    "https://api.findutils.com/api/tools/credit-card-payoff-calculator/execute",
    json={"balance":5000,"interest_rate":18.99,"monthly_payment":200,"start_month":"2026-01"},
)
data = response.json()

$ch = curl_init('https://api.findutils.com/api/tools/credit-card-payoff-calculator/execute');
curl_setopt_array($ch, [
    CURLOPT_POST => true,
    CURLOPT_HTTPHEADER => ['Content-Type: application/json'],
    CURLOPT_POSTFIELDS => '{"balance":5000,"interest_rate":18.99,"monthly_payment":200,"start_month":"2026-01"}',
    CURLOPT_RETURNTRANSFER => true,
]);
$data = json_decode(curl_exec($ch), true);

Also an MCP tool

Call credit_card_payoff_calculator from Claude, Cursor or any MCP client. Same arguments, same output.

https://mcp.findutils.com

MCP reference

Rate limit: 60 a minute, per IP
Auth: None
REST id: credit-card-payoff-calculator
MCP name: credit_card_payoff_calculator
Category: Finance
Machine-readable: openapi.json · markdown.md

Request body

Example arguments

More Finance tools

More to explore