# Debt Payoff Calculator — REST API endpoint `debt-payoff-calculator`

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.

- 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/debt-payoff-calculator/execute (no API keys, 60 req/min per IP)
- Reference page: https://findutils.com/api/debt-payoff-calculator/
- Same tool on the other surface: https://findutils.com/mcp/debt-payoff-calculator/

## Call the endpoint (verified example)

```bash
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
curl https://api.findutils.com/api/tools/debt-payoff-calculator
```

## Input 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):

```json
{
  "debts": [
    {
      "name": "Credit Card 1",
      "balance": 5000,
      "interest_rate": 18.99,
      "minimum_payment": 150
    }
  ],
  "extra_payment": 200
}
```

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:debt_payoff_calculator`. Full MCP reference: https://findutils.com/mcp/debt-payoff-calculator/

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