Debt payoff calculator API

Project months-to-payoff and total interest for a fixed monthly payment using the loan amortization identity n=-ln(1-r*P/pmt)/ln(1+r). Answers 'how long to pay off $5000 at 18% paying $200/mo', 'total interest on a credit card payoff', 'months to clear this debt'.

Price$0.01per request

MethodPOST

Route/v1/calc/budget-debt-payoff

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

budgetdebtpayoffamortizationinterestcredit-cardcalculatormoney

API URLhttps://x402.hexl.dev/v1/calc/budget-debt-payoff

Integration docs

Example request

{
  "balance": 5000,
  "annualRatePercent": 18,
  "monthlyPayment": 200
}

Example response

{
  "balance": 5000,
  "monthlyPayment": 200,
  "annualRatePercent": 18,
  "monthsToPayoff": 32,
  "yearsToPayoff": 2.67,
  "totalInterest": 1313.6,
  "totalPaid": 6313.6
}

Input schema

{
  "type": "object",
  "required": [
    "balance",
    "annualRatePercent",
    "monthlyPayment"
  ],
  "properties": {
    "balance": {
      "type": "number",
      "description": "Outstanding balance in dollars",
      "examples": [
        5000
      ]
    },
    "annualRatePercent": {
      "type": "number",
      "description": "Annual interest rate percent (APR)",
      "examples": [
        18
      ]
    },
    "monthlyPayment": {
      "type": "number",
      "description": "Fixed monthly payment in dollars",
      "examples": [
        200
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}