Credit Card Payoff Calculator MCP tool
findutils:credit_card_payoff_calculator 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.
Arguments
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"
}More Finance tools
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