Finance
Credit Card Payoff Calculator
Compare avalanche (highest APR first) vs snowball (lowest balance first) strategies for paying off multiple credit cards. Enter cards as 'name, balance, APR%, minPayment%' per line plus an extra monthly payment. Shows payoff time, total interest, savings vs minimum-only, and balance decline curves.
html· HTML resultOpen tool
Quick start
Call this tool from your code in three languages.
cURL
curl -X POST 'https://api.elysiatools.com/en/api/tools/credit-card-payoff' \
-H 'Content-Type: application/json' \
-d '{"cards":"Visa, 5000, 19.99, 2\nMastercard, 3000, 24.99, 2\nAmex, 2000, 15.99, 2","extraMonthly":500,"strategy":"both","decimalPlaces":2}'API reference
Send a POST request with your inputs as JSON. File parameters require a separate upload first.
Endpoint
HTTP
POST https://api.elysiatools.com/en/api/tools/credit-card-payoffParameters
| Name | Type | Required | Description |
|---|---|---|---|
| cards | textarea | Yes | — |
| extraMonthly | number | Yes | — |
| strategy | select | No | — |
| decimalPlaces | number | No | — |
Response format
HTML result
JSON
{
"result": "<div>Processed HTML content</div>",
"error": "Error message (optional)",
"message": "Notification message (optional)",
"metadata": {
"key": "value"
}
}MCP integration
Add this tool to your Model Context Protocol server so AI agents can list and call it.
Server configuration
Add this block to your MCP client configuration:
mcp.json
{
"mcpServers": {
"elysiatools-credit-card-payoff": {
"name": "credit-card-payoff",
"description": "Compare avalanche (highest APR first) vs snowball (lowest balance first) strategies for paying off multiple credit cards. Enter cards as 'name, balance, APR%, minPayment%' per line plus an extra monthly payment. Shows payoff time, total interest, savings vs minimum-only, and balance decline curves.",
"baseUrl": "https://api.elysiatools.com/mcp/sse?toolId=credit-card-payoff",
"command": "",
"args": [],
"env": {},
"isActive": true,
"type": "sse"
}
}
}List available tools
After connecting to the SSE endpoint, list the exposed tools:
tools/list
{
"jsonrpc": "2.0",
"id": 1,
"method": "tools/list"
}Call this tool
Invoke the tool by its id, passing arguments built from its parameters:
tools/call
{
"jsonrpc": "2.0",
"id": 2,
"method": "tools/call",
"params": {
"name": "credit-card-payoff",
"arguments": {
"cards": "Visa, 5000, 19.99, 2\nMastercard, 3000, 24.99, 2\nAmex, 2000, 15.99, 2",
"extraMonthly": 500,
"strategy": "both",
"decimalPlaces": 2
}
}
}Chain multiple tools in one session with a comma-separated toolId list, e.g. /mcp/sse?toolId=png-to-webp,jpg-to-webp,gif-to-webp (max 20).