{
  "tool_id": "loan_payoff",
  "slug": "loan-payoff-calculator",
  "path": "/loan-payoff-calculator/",
  "mode": "url_api",
  "api_usage": "GET https://aifinhub.io/api/loan-payoff-calculator/?<params>",
  "sample_input": {
    "tool": "loan_payoff",
    "principal": 35000,
    "annual_rate_percent": 7.2,
    "monthly_payment": 650,
    "extra_monthly_payment": 100,
    "lump_sum_payment": 0
  },
  "input_schema": {
    "type": "object",
    "properties": {
      "tool": {
        "type": "string"
      },
      "principal": {
        "type": "integer"
      },
      "annual_rate_percent": {
        "type": "number"
      },
      "monthly_payment": {
        "type": "integer"
      },
      "extra_monthly_payment": {
        "type": "integer"
      },
      "lump_sum_payment": {
        "type": "integer"
      }
    },
    "required": [
      "tool",
      "principal",
      "annual_rate_percent",
      "monthly_payment",
      "extra_monthly_payment",
      "lump_sum_payment"
    ]
  },
  "output_schema": {
    "type": "object",
    "properties": {
      "baseline": {
        "type": "object",
        "properties": {
          "name": {
            "type": "string"
          },
          "monthsToPayoff": {
            "type": "number"
          },
          "totalInterest": {
            "type": "number"
          },
          "totalPaid": {
            "type": "number"
          },
          "timeline": {
            "type": "array",
            "items": {
              "type": "object",
              "properties": {
                "month": {
                  "type": "number"
                },
                "year": {
                  "type": "number"
                },
                "payment": {
                  "type": "number"
                },
                "principalPaid": {
                  "type": "number"
                },
                "interestPaid": {
                  "type": "number"
                },
                "remainingBalance": {
                  "type": "number"
                }
              }
            }
          }
        }
      },
      "accelerated": {
        "type": "object",
        "properties": {
          "name": {
            "type": "string"
          },
          "monthsToPayoff": {
            "type": "number"
          },
          "totalInterest": {
            "type": "number"
          },
          "totalPaid": {
            "type": "number"
          },
          "timeline": {
            "type": "array",
            "items": {
              "type": "object",
              "properties": {
                "month": {
                  "type": "number"
                },
                "year": {
                  "type": "number"
                },
                "payment": {
                  "type": "number"
                },
                "principalPaid": {
                  "type": "number"
                },
                "interestPaid": {
                  "type": "number"
                },
                "remainingBalance": {
                  "type": "number"
                }
              }
            }
          }
        }
      },
      "interestSaved": {
        "type": "number"
      },
      "monthsSaved": {
        "type": "number"
      },
      "assumptionsEcho": {
        "type": "object",
        "properties": {
          "principal": {
            "type": "number"
          },
          "annualRatePercent": {
            "type": "number"
          },
          "monthlyPayment": {
            "type": "number"
          },
          "extraMonthlyPayment": {
            "type": "number"
          },
          "lumpSumPayment": {
            "type": "number"
          }
        }
      },
      "warnings": {
        "type": "array",
        "items": {}
      }
    }
  }
}