# Credit Card Payoff Calculator — REST API endpoint `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.

- Category: finance
- MCP server: https://mcp.findutils.com/ (Streamable HTTP, no API keys, 120 req/min per IP)
- REST endpoint: POST https://api.findutils.com/api/tools/credit-card-payoff-calculator/execute (no API keys, 60 req/min per IP)
- Reference page: https://findutils.com/api/credit-card-payoff-calculator/
- Same tool on the other surface: https://findutils.com/mcp/credit-card-payoff-calculator/

## Call the endpoint (verified example)

```bash
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"
  }'

# Parameter schema
curl https://api.findutils.com/api/tools/credit-card-payoff-calculator
```

## Input schema

| Argument | Type | Required | Description |
|---|---|---|---|
| `balance` | number | yes | Current card balance. Must be > 0. |
| `interest_rate` | number | yes | Card APR in percent (18.99 = 18.99%). |
| `mode` | string (payment \| months) | no | "payment": solve months from a fixed monthly_payment. "months": solve the payment from target_months. Default: payment. |
| `monthly_payment` | number | no | Fixed monthly payment (mode "payment"). |
| `target_months` | integer | no | Months to pay off the balance (mode "months"). |
| `start_month` | string | no | Month of the first payment as YYYY-MM. Default: current UTC month. |

Example arguments (verified):

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

OpenAPI 3.1 spec: https://findutils.com/api/openapi.json · Interactive docs: https://findutils.com/api/docs/

## Also an MCP tool

```bash
claude mcp add findutils --transport http https://mcp.findutils.com/
```

Then ask the client to call `findutils:credit_card_payoff_calculator`. Full MCP reference: https://findutils.com/mcp/credit-card-payoff-calculator/

---
Full catalog: GET https://api.findutils.com/api/tools · https://findutils.com/api/ · https://findutils.com/llms.txt