Credit Card Payoff Calculator

Finance REST API MCP

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.

This page documents the MCP tool findutils:credit_card_payoff_calculator. See the REST reference →

Use in the browser View as Markdown

Call it over MCP

Tool name findutils:credit_card_payoff_calculator · no API keys · 120 requests/min per IP

Claude Code

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

Claude Desktop — claude_desktop_config.json

{
  "mcpServers": {
    "findutils": {
      "url": "https://mcp.findutils.com/"
    }
  }
}

Raw JSON-RPC (any MCP client) — verified example

curl -X POST https://mcp.findutils.com/ \
  -H "Content-Type: application/json" \
  -d '{
    "jsonrpc": "2.0",
    "id": 1,
    "method": "tools/call",
    "params": {
      "name": "credit_card_payoff_calculator",
      "arguments": {
        "balance": 5000,
        "interest_rate": 18.99,
        "monthly_payment": 200,
        "start_month": "2026-01"
      }
    }
  }'

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)

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

Also a REST endpoint

The same tool answers plain HTTP at POST /api/tools/credit-card-payoff-calculator/execute — no key, 60 requests/min.

Open the REST reference for Credit Card Payoff Calculator →

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