{
  "tool_id": "balance_transfer_break_even",
  "slug": "balance-transfer-break-even-calculator",
  "path": "/balance-transfer-break-even-calculator/",
  "mode": "url_api",
  "api_usage": "GET https://aifinhub.io/api/balance-transfer-break-even-calculator/?<params>",
  "sample_input": {
    "tool": "balance_transfer_break_even",
    "current_balance": 9200,
    "current_apr": 22.9,
    "current_monthly_payment": 330,
    "transfer_fee_percent": 3,
    "transfer_fee_min": 5,
    "intro_apr": 0,
    "intro_months": 15,
    "post_intro_apr": 20.4,
    "approved_transfer_amount": 9200,
    "days_until_transfer": 18
  },
  "input_schema": {
    "type": "object",
    "properties": {
      "tool": {
        "type": "string"
      },
      "current_balance": {
        "type": "integer"
      },
      "current_apr": {
        "type": "number"
      },
      "current_monthly_payment": {
        "type": "integer"
      },
      "transfer_fee_percent": {
        "type": "integer"
      },
      "transfer_fee_min": {
        "type": "integer"
      },
      "intro_apr": {
        "type": "integer"
      },
      "intro_months": {
        "type": "integer"
      },
      "post_intro_apr": {
        "type": "number"
      },
      "approved_transfer_amount": {
        "type": "integer"
      },
      "days_until_transfer": {
        "type": "integer"
      }
    },
    "required": [
      "tool",
      "current_balance",
      "current_apr",
      "current_monthly_payment",
      "transfer_fee_percent",
      "transfer_fee_min",
      "intro_apr",
      "intro_months",
      "post_intro_apr",
      "approved_transfer_amount",
      "days_until_transfer"
    ]
  },
  "output_schema": {
    "type": "object",
    "properties": {
      "baselineTotalInterest": {
        "type": "number"
      },
      "transferTotalInterest": {
        "type": "number"
      },
      "transferFeeApplied": {
        "type": "number"
      },
      "netSavings": {
        "type": "number"
      },
      "breakEvenMonth": {
        "type": "number"
      },
      "paymentNeededToClearIntro": {
        "type": "number"
      },
      "sensitivityTable": {
        "type": "array",
        "items": {
          "type": "object",
          "properties": {
            "transferFeePercent": {
              "type": "number"
            },
            "introMonths": {
              "type": "number"
            },
            "netSavings": {
              "type": "number"
            }
          }
        }
      },
      "comparisonTimeline": {
        "type": "array",
        "items": {
          "type": "object",
          "properties": {
            "month": {
              "type": "number"
            },
            "baselineCumulativeCost": {
              "type": "number"
            },
            "transferCumulativeCost": {
              "type": "number"
            },
            "netSavingsIfTransfer": {
              "type": "number"
            }
          }
        }
      },
      "riskFlags": {
        "type": "array",
        "items": {
          "type": "string"
        }
      },
      "assumptionsEcho": {
        "type": "object",
        "properties": {
          "transferredAmount": {
            "type": "number"
          },
          "remainingOnCurrentCard": {
            "type": "number"
          },
          "introMonths": {
            "type": "number"
          },
          "currentMonthlyPayment": {
            "type": "number"
          },
          "daysUntilTransfer": {
            "type": "number"
          }
        }
      }
    }
  }
}