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.
This page documents the HTTP endpoint POST /api/tools/debt-payoff-calculator/execute. See the MCP reference →
Call it over REST
POST https://api.findutils.com/api/tools/debt-payoff-calculator/execute · no API keys · 60 requests/min per IP
Execute — verified arguments
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
}'Parameter schema for this endpoint
curl https://api.findutils.com/api/tools/debt-payoff-calculatorInput schema
| Argument | Type | Required | Description |
|---|---|---|---|
| debts | array | yes | List of debts. Each item: { name?: string, balance: number, interest_rate: number (APR percent), minimum_payment: number }. |
| extra_payment | number | no | Extra amount paid every month on top of all minimums. Default: 0. |
| strategy | string (avalanche | snowball) | no | avalanche (highest interest first) or snowball (lowest balance first). Default: avalanche. |
Example arguments (verified)
{
"debts": [
{
"name": "Credit Card 1",
"balance": 5000,
"interest_rate": 18.99,
"minimum_payment": 150
}
],
"extra_payment": 200
}Also an MCP tool
Claude, Cursor, and any MCP client can call this tool as
findutils:debt_payoff_calculator after one connect command.
Connect once
claude mcp add findutils --transport http https://mcp.findutils.com/More Finance tools
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