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 MCP tool findutils:debt_payoff_calculator. See the REST reference →
Call it over MCP
Tool name findutils:debt_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": "debt_payoff_calculator",
"arguments": {
"debts": [
{
"name": "Credit Card 1",
"balance": 5000,
"interest_rate": 18.99,
"minimum_payment": 150
}
],
"extra_payment": 200
}
}
}'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)
{
"debts": [
{
"name": "Credit Card 1",
"balance": 5000,
"interest_rate": 18.99,
"minimum_payment": 150
}
],
"extra_payment": 200
}Also a REST endpoint
The same tool answers plain HTTP at
POST /api/tools/debt-payoff-calculator/execute — no key, 60 requests/min.
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