{"ok":true,"result":{"slug":"debt-payoff-calculator","name":"Debt Payoff Calculator","summary":"Compare the avalanche (highest APR first) and snowball (smallest balance first) debt payoff strategies: months to debt-free, total interest and payoff order.","description":"List your debts and an extra monthly budget to compare the snowball and avalanche payoff methods: debt-free date, total interest and the order each debt clears.","method":"POST","endpoint":"/api/v1/tools/debt-payoff-calculator","plan":"free","mcpName":"debt_payoff_calculator","input":{"type":"object","additionalProperties":false,"properties":{"debts":{"type":"string","description":"JSON array of 1 to 20 debts, each {\"name\": string, \"balance\": number, \"apr\": number (percent), \"minimum\": number (monthly minimum payment)}. Names must be distinct.","maxLength":20000},"extra":{"type":"number","description":"Extra amount paid each month on top of all the minimums.","default":0,"minimum":0}},"required":["debts"]},"example":{"debts":"[{\"name\":\"Credit card\",\"balance\":4000,\"apr\":22.9,\"minimum\":100},{\"name\":\"Car loan\",\"balance\":8000,\"apr\":6.5,\"minimum\":220},{\"name\":\"Store card\",\"balance\":900,\"apr\":18.9,\"minimum\":35}]","extra":200},"randomOutput":false,"network":false,"docs":"https://pithlab.com/developers/tools/debt-payoff-calculator","page":"https://pithlab.com/tools/debt-payoff-calculator"}}