{"ok":true,"result":{"slug":"credit-card-payoff-calculator","name":"Credit Card Payoff Calculator","summary":"How long a credit card balance takes to clear and the interest paid: at a fixed monthly payment, within a set number of months, or paying only the minimum.","description":"Find how long a credit card balance takes to clear at a fixed payment, the payment needed to clear it by a date, or how long paying only the minimum would take.","method":"POST","endpoint":"/api/v1/tools/credit-card-payoff-calculator","plan":"free","mcpName":"credit_card_payoff_calculator","input":{"type":"object","additionalProperties":false,"properties":{"mode":{"type":"string","description":"payment: fixed monthly payment. months: payment needed to clear it in `months`. minimum: pay only the issuer's minimum.","default":"payment","enum":["payment","months","minimum"],"maxLength":200000},"balance":{"type":"number","description":"Current balance owed.","minimum":0},"apr":{"type":"number","description":"Annual percentage rate, e.g. 21.99. Interest is charged monthly at APR ÷ 12.","minimum":0,"maximum":100},"payment":{"type":"number","description":"payment mode: the fixed monthly payment (must exceed the first month's interest).","minimum":0},"months":{"type":"integer","description":"months mode: months to clear the balance, 1 to 1200.","minimum":1,"maximum":1200},"minPercent":{"type":"number","description":"minimum mode: minimum payment as a % of the balance, with that month's interest added on top.","default":1,"minimum":0,"maximum":100},"minFloor":{"type":"number","description":"minimum mode: the lowest minimum payment the issuer allows.","default":25,"minimum":0},"schedule":{"type":"boolean","description":"Include the month-by-month rows (payment, interest, balance).","default":false}},"required":["balance","apr"]},"example":{"mode":"payment","balance":5000,"apr":21.99,"payment":200},"randomOutput":false,"network":false,"docs":"https://pithlab.com/developers/tools/credit-card-payoff-calculator","page":"https://pithlab.com/tools/credit-card-payoff-calculator"}}