{"uid":"cap_4uNmY1ad7VaAM6d5MVIyf","slug":"24k-labs-debt-payoff-planner-9dc368d6","name":"24K Labs Debt Payoff Planner","description":"Orders multiple debts by snowball (smallest balance) or avalanche (highest APR), simulates month-by-month payoff, and returns months-to-debt-free, total interest and interest saved vs minimums.","url":"https://api.24klabs.ai/api/v1/debt-payoff-planner","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"debts":{"type":"array"},"strategy":{"type":"string"},"extra_payment":{"type":"number"}}},"responseSchema":{"type":"json","example":{"months_to_debt_free":34,"total_interest_paid":4210.55,"interest_saved_vs_minimums":1890.2}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.003","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.003/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.003","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.003","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_8NixNhXF8I1TZsYespvGy","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.003","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Simulates month-by-month debt payoff using snowball or avalanche strategy, returning months to debt-free, total interest paid, and interest saved versus paying minimums.","exampleAgentPrompt":"I have three debts: a credit card with $4,200 balance at 22% APR and $85 minimum, a car loan with $8,500 at 6.9% APR and $210 minimum, and a personal loan with $2,100 at 14% APR and $60 minimum — run a snowball payoff simulation with an extra $150/month and tell me how long until I'm debt-free and how much interest I'll save.","exampleUseCases":[{"title":"Credit card debt avalanche plan","prompt":"I have two credit cards — one with $6,000 at 24% APR ($120 minimum) and another with $1,800 at 18% APR ($45 minimum), plus a personal loan of $3,500 at 11% APR ($80 minimum). Use the avalanche method and an extra $100 a month — how many months until I'm debt-free and how much total interest will I pay?"},{"title":"Snowball vs. minimums comparison","prompt":"I've got a store card at $950 and 28% APR ($25 min), a student loan at $12,400 and 5.8% APR ($130 min), and a medical bill at $2,200 and 0% APR ($50 min). Run a snowball simulation with no extra payments and show me how much interest I'd save compared to just paying minimums forever."},{"title":"First-time debt payoff roadmap","prompt":"Help me build a debt payoff plan — I have a Visa with $3,100 at 19.99% APR ($62 min), a personal loan with $5,600 at 12% APR ($145 min), and a furniture store loan with $1,200 at 9.9% APR ($40 min). Use the avalanche method with an extra $250 per month and give me the month-by-month schedule."}],"resultDescription":"Returns the ordered list of debts (by strategy), a month-by-month simulation of balances and payments, total months until all debts are paid off, total interest paid across all debts, and total interest saved compared to paying only minimums.","failureModes":["Missing or invalid debt list returns a 400 error","APR values provided as decimals instead of percentages may produce incorrect calculations","Zero or negative minimum payments cause validation errors","Invalid strategy value (not 'snowball' or 'avalanche') returns a 422 error","Payment USDC transaction failure returns 402 Payment Required"],"whenToPreferThis":"Choose this endpoint when you need a structured, quantitative debt payoff simulation with strategy comparison (snowball vs. avalanche) and month-by-month detail. Prefer it over generic financial calculators when the user has multiple debts with different balances, APRs, and minimum payments and wants to see interest savings versus minimum-only payments.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-13T19:02:20.514Z","isFirstParty":false}