{
  "tool_id": "bnpl_stack_true_cost",
  "slug": "bnpl-stacking-true-cost-calculator",
  "path": "/bnpl-stacking-true-cost-calculator/",
  "mode": "url_api",
  "api_usage": "GET https://aifinhub.io/api/bnpl-stacking-true-cost-calculator/?<params>",
  "sample_input": {
    "tool": "bnpl_stack_true_cost",
    "plans": [
      {
        "amount": 220,
        "installment_count": 4,
        "frequency_days": 14,
        "start_date": "2026-02-28",
        "late_fee": 7,
        "grace_days": 2
      }
    ],
    "monthly_take_home": 4300,
    "fixed_monthly_expenses": 2800,
    "paycheck_dates": [
      "2026-03-01",
      "2026-03-15"
    ]
  },
  "input_schema": {
    "type": "object",
    "properties": {
      "tool": {
        "type": "string"
      },
      "plans": {
        "type": "array",
        "items": {
          "type": "object",
          "properties": {
            "amount": {
              "type": "integer"
            },
            "installment_count": {
              "type": "integer"
            },
            "frequency_days": {
              "type": "integer"
            },
            "start_date": {
              "type": "string"
            },
            "late_fee": {
              "type": "integer"
            },
            "grace_days": {
              "type": "integer"
            }
          },
          "required": [
            "amount",
            "installment_count",
            "frequency_days",
            "start_date",
            "late_fee",
            "grace_days"
          ]
        }
      },
      "monthly_take_home": {
        "type": "integer"
      },
      "fixed_monthly_expenses": {
        "type": "integer"
      },
      "paycheck_dates": {
        "type": "array",
        "items": {
          "type": "string"
        }
      }
    },
    "required": [
      "tool",
      "plans",
      "monthly_take_home",
      "fixed_monthly_expenses",
      "paycheck_dates"
    ]
  },
  "output_schema": {
    "type": "object",
    "properties": {
      "cashflowTimeline": {
        "type": "array",
        "items": {
          "type": "object",
          "properties": {
            "period": {
              "type": "string"
            },
            "dueOnTime": {
              "type": "number"
            },
            "dueOneLate": {
              "type": "number"
            },
            "dueRepeatedLate": {
              "type": "number"
            },
            "installmentCount": {
              "type": "number"
            }
          }
        }
      },
      "stackingIndex": {
        "type": "number"
      },
      "peakPaymentWindow": {
        "type": "object",
        "properties": {
          "period": {
            "type": "string"
          },
          "amount": {
            "type": "number"
          }
        }
      },
      "trueCostScenarios": {
        "type": "object",
        "properties": {
          "onTime": {
            "type": "number"
          },
          "oneLate": {
            "type": "number"
          },
          "repeatedLate": {
            "type": "number"
          }
        }
      },
      "riskFlags": {
        "type": "array",
        "items": {}
      }
    }
  }
}