Debt Payoff Calculator API

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

Return a debt payoff plan for several debts using the avalanche (highest rate first) or snowball (lowest balance first) strategy: total months, total interest, total paid, and the order and month each debt is cleared. Minimum payments roll into the extra payment as debts close.

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Request body

application/json

debts

array required

List of debts. Each item: { name?: string, balance: number, interest_rate: number (APR percent), minimum_payment: number }.
extra_payment

number optional

Extra amount paid every month on top of all minimums. Default: 0.
strategy

string optional

avalanche (highest interest first) or snowball (lowest balance first). Default: avalanche. One of avalanche · snowball.

Example arguments

Verified

{
  "debts": [
    {
      "name": "Credit Card 1",
      "balance": 5000,
      "interest_rate": 18.99,
      "minimum_payment": 150
    }
  ],
  "extra_payment": 200
}

curl -X POST https://api.findutils.com/api/tools/debt-payoff-calculator/execute \
  -H "Content-Type: application/json" \
  -d '{
    "debts": [
      {
        "name": "Credit Card 1",
        "balance": 5000,
        "interest_rate": 18.99,
        "minimum_payment": 150
      }
    ],
    "extra_payment": 200
  }'

const response = await fetch('https://api.findutils.com/api/tools/debt-payoff-calculator/execute', {
  method: 'POST',
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({"debts":[{"name":"Credit Card 1","balance":5000,"interest_rate":18.99,"minimum_payment":150}],"extra_payment":200}),
});
const data = await response.json();

import requests

response = requests.post(
    "https://api.findutils.com/api/tools/debt-payoff-calculator/execute",
    json={"debts":[{"name":"Credit Card 1","balance":5000,"interest_rate":18.99,"minimum_payment":150}],"extra_payment":200},
)
data = response.json()

$ch = curl_init('https://api.findutils.com/api/tools/debt-payoff-calculator/execute');
curl_setopt_array($ch, [
    CURLOPT_POST => true,
    CURLOPT_HTTPHEADER => ['Content-Type: application/json'],
    CURLOPT_POSTFIELDS => '{"debts":[{"name":"Credit Card 1","balance":5000,"interest_rate":18.99,"minimum_payment":150}],"extra_payment":200}',
    CURLOPT_RETURNTRANSFER => true,
]);
$data = json_decode(curl_exec($ch), true);

Also an MCP tool

Call debt_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: debt-payoff-calculator
MCP name: debt_payoff_calculator
Category: Finance
Machine-readable: openapi.json · markdown.md

Request body

Example arguments

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