{"uid":"cap_ysVprZm3-ymn0ub6TeEcF","slug":"debtpulse-debt-payoff-calculator-3ba6ea51","name":"DebtPulse Debt Payoff Calculator","description":"Global debt elimination intelligence. All endpoints require x402 payment (USDC on Base mainnet) via the PAYMENT-SIGNATURE header. Supports US, UK, Australia, and Canada jurisdictions. Add ?lang= for any language response.","url":"https://debtpulse.vercel.app/api/debt/payoff","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","properties":{"lang":{"type":"string","description":"en | es | fr | de | pt | zh"},"debts":{"type":"string"},"extra":{"type":"string","description":"200 (extra monthly USD)"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"errors":{"type":"object","description":"Documented error responses, keyed by HTTP status code","additionalProperties":{"type":"object","required":["description"],"properties":{"example":{"type":"object"},"description":{"type":"string"}}}},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","example":{"recommended":"avalanche","first_payoff_target":"Credit card at 24.99%","snowball_payoff_months":42,"avalanche_payoff_months":38,"total_interest_avalanche":3240,"interest_saved_vs_minimum":9100}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.1","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"settled","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":"$0.1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_ykLuX-oa55t9xH8eJDn6N","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Compares avalanche, snowball, and hybrid debt payoff strategies with exact interest calculations to find the optimal repayment plan","exampleAgentPrompt":"I have three debts: a credit card with a $5,200 balance at 22% APR and $104 minimum payment, a car loan with $8,500 at 7% APR and $200 minimum, and a personal loan with $3,000 at 15% APR and $90 minimum — I can put $700/month total toward these. Can you compare the avalanche, snowball, and hybrid payoff strategies and tell me which one saves the most interest?","exampleUseCases":null,"resultDescription":"Returns a side-by-side comparison of avalanche, snowball, and hybrid payoff strategies including total interest paid under each method, months to debt-free, recommended payment order, monthly breakdown of principal and interest, and total interest savings versus the minimum-payment baseline.","failureModes":["Missing required debt parameters (balances, rates, minimums) returns 400 Bad Request","Monthly budget below sum of minimum payments returns validation error","Invalid interest rate or negative balance values return 422 Unprocessable Entity","Malformed query parameters return 400 with field-level error messages","Payment failure or missing x402 payment header returns 402 Payment Required"],"whenToPreferThis":"Choose this endpoint when you need mathematically precise interest calculations comparing multiple debt payoff strategies simultaneously — especially when a user has 2+ debts with different rates and wants to know the true cost of avalanche vs snowball vs hybrid approaches. Prefer this over generic financial calculators when exact amortization math and multi-strategy comparison are required in a single call.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T12:31:54.015Z","isFirstParty":false}