Debt payoff timeline API

Compute months to clear a balance under a fixed monthly payment via the loan-amortization identity n = −ln(1 − i·B/PMT)/ln(1+i), returning months, years, total interest, and total paid, and rejecting payments below the first month's interest (which never amortize). Answers 'how long to pay off 5k at 18%','total interest on my credit card','months to clear this debt at 200 a month'.

Price$0.01per request

MethodPOST

Route/v1/calc/pf-debt-payoff

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcdebt-payoffamortizationcredit-cardinterestloanpersonal-financepayoff

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

Integration docs

Example request

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

Example response

{
  "formula": "months = −ln(1 − i·B/PMT) / ln(1+i)",
  "monthsToPayoff": 32,
  "yearsToPayoff": 2.7,
  "totalInterestPaid": 1313.6,
  "totalPaid": 6313.6,
  "breakdown": {
    "balance": 5000,
    "annualRatePercent": 18,
    "monthlyPayment": 200,
    "monthlyRate": 0.015
  }
}

Input schema

{
  "type": "object",
  "required": [
    "balance",
    "annualRatePercent",
    "monthlyPayment"
  ],
  "properties": {
    "balance": {
      "type": "number",
      "examples": [
        5000
      ]
    },
    "annualRatePercent": {
      "type": "number",
      "description": "APR in percent",
      "examples": [
        18
      ]
    },
    "monthlyPayment": {
      "type": "number",
      "examples": [
        200
      ]
    }
  }
}

Output schema

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