{
  "tool_id": "cd_ladder",
  "slug": "cd-ladder-calculator",
  "path": "/cd-ladder-calculator/",
  "mode": "url_api",
  "api_usage": "GET https://aifinhub.io/api/cd-ladder-calculator/?<params>",
  "sample_input": {
    "tool": "cd_ladder",
    "total_deposit": 25000,
    "rungs": [
      {
        "term_months": 12,
        "apy_percent": 4.5
      },
      {
        "term_months": 24,
        "apy_percent": 4.7
      },
      {
        "term_months": 36,
        "apy_percent": 4.8
      },
      {
        "term_months": 48,
        "apy_percent": 4.9
      },
      {
        "term_months": 60,
        "apy_percent": 5.0
      }
    ]
  },
  "input_schema": {
    "type": "object",
    "properties": {
      "tool": {
        "type": "string"
      },
      "total_deposit": {
        "type": "integer"
      },
      "rungs": {
        "type": "array",
        "items": {
          "type": "object",
          "properties": {
            "term_months": {
              "type": "integer"
            },
            "apy_percent": {
              "type": "number"
            }
          },
          "required": [
            "term_months",
            "apy_percent"
          ]
        }
      }
    },
    "required": [
      "tool",
      "total_deposit",
      "rungs"
    ]
  },
  "output_schema": {
    "type": "object",
    "properties": {
      "totalDeposit": {
        "type": "number"
      },
      "rungResults": {
        "type": "array",
        "items": {
          "type": "object",
          "properties": {
            "rung": {
              "type": "number"
            },
            "termMonths": {
              "type": "number"
            },
            "apyPercent": {
              "type": "number"
            },
            "principal": {
              "type": "number"
            },
            "interestEarned": {
              "type": "number"
            },
            "maturityValue": {
              "type": "number"
            },
            "maturityDate": {
              "type": "string"
            }
          }
        }
      },
      "totalInterestEarned": {
        "type": "number"
      },
      "totalMaturityValue": {
        "type": "number"
      },
      "averageTermMonths": {
        "type": "number"
      },
      "averageApy": {
        "type": "number"
      },
      "singleCdInterest": {
        "type": "number"
      },
      "singleCdMaturityValue": {
        "type": "number"
      },
      "ladderVsSingleDifference": {
        "type": "number"
      }
    }
  }
}