{
  "tool_id": "debt_payoff_strategy",
  "slug": "debt-payoff-strategy-planner",
  "path": "/debt-payoff-strategy-planner/",
  "mode": "url_api",
  "api_usage": "GET https://aifinhub.io/api/debt-payoff-strategy-planner/?<params>",
  "sample_input": {
    "tool": "debt_payoff_strategy",
    "debts": [
      {
        "id": "card_a",
        "name": "Card A",
        "balance": 6200,
        "apr_percent": 24.9,
        "minimum_payment": 185
      },
      {
        "id": "card_b",
        "name": "Card B",
        "balance": 2800,
        "apr_percent": 19.5,
        "minimum_payment": 95
      },
      {
        "id": "loan",
        "name": "Personal Loan",
        "balance": 9400,
        "apr_percent": 11.9,
        "minimum_payment": 240
      }
    ],
    "extra_monthly_payment": 250,
    "strategy": "avalanche",
    "payoff_priority_order": [
      "card_b",
      "card_a"
    ],
    "start_year": 2026,
    "start_month": 3
  },
  "input_schema": {
    "type": "object",
    "properties": {
      "tool": {
        "type": "string"
      },
      "debts": {
        "type": "array",
        "items": {
          "type": "object",
          "properties": {
            "id": {
              "type": "string"
            },
            "name": {
              "type": "string"
            },
            "balance": {
              "type": "integer"
            },
            "apr_percent": {
              "type": "number"
            },
            "minimum_payment": {
              "type": "integer"
            }
          },
          "required": [
            "id",
            "name",
            "balance",
            "apr_percent",
            "minimum_payment"
          ]
        }
      },
      "extra_monthly_payment": {
        "type": "integer"
      },
      "strategy": {
        "type": "string"
      },
      "payoff_priority_order": {
        "type": "array",
        "items": {
          "type": "string"
        }
      },
      "start_year": {
        "type": "integer"
      },
      "start_month": {
        "type": "integer"
      }
    },
    "required": [
      "tool",
      "debts",
      "extra_monthly_payment",
      "strategy",
      "payoff_priority_order",
      "start_year",
      "start_month"
    ]
  },
  "output_schema": {
    "type": "object",
    "properties": {
      "selectedStrategy": {
        "type": "string"
      },
      "payoffMonths": {
        "type": "number"
      },
      "debtFreeDate": {
        "type": "string"
      },
      "totalInterest": {
        "type": "number"
      },
      "totalPaid": {
        "type": "number"
      },
      "schedule": {
        "type": "array",
        "items": {
          "type": "object",
          "properties": {
            "month": {
              "type": "number"
            },
            "remainingBalance": {
              "type": "number"
            },
            "cumulativeInterest": {
              "type": "number"
            },
            "cumulativePaid": {
              "type": "number"
            },
            "targetDebtId": {
              "type": "string"
            }
          }
        }
      },
      "debtSummaries": {
        "type": "array",
        "items": {
          "type": "object",
          "properties": {
            "id": {
              "type": "string"
            },
            "name": {
              "type": "string"
            },
            "payoffMonth": {
              "type": "number"
            },
            "interestPaid": {
              "type": "number"
            },
            "totalPaid": {
              "type": "number"
            }
          }
        }
      },
      "snowballSummary": {
        "type": "object",
        "properties": {
          "strategy": {
            "type": "string"
          },
          "payoffMonths": {
            "type": "number"
          },
          "totalInterest": {
            "type": "number"
          },
          "totalPaid": {
            "type": "number"
          }
        }
      },
      "avalancheSummary": {
        "type": "object",
        "properties": {
          "strategy": {
            "type": "string"
          },
          "payoffMonths": {
            "type": "number"
          },
          "totalInterest": {
            "type": "number"
          },
          "totalPaid": {
            "type": "number"
          }
        }
      },
      "strategyDelta": {
        "type": "object",
        "properties": {
          "comparedTo": {
            "type": "string"
          },
          "interestDelta": {
            "type": "number"
          },
          "monthDelta": {
            "type": "number"
          }
        }
      },
      "warnings": {
        "type": "array",
        "items": {}
      },
      "assumptionsEcho": {
        "type": "object",
        "properties": {
          "debtCount": {
            "type": "number"
          },
          "extraMonthlyPayment": {
            "type": "number"
          },
          "strategy": {
            "type": "string"
          },
          "startYear": {
            "type": "number"
          },
          "startMonth": {
            "type": "number"
          }
        }
      }
    }
  }
}