Finance
Debt Payoff Calculator
General-purpose debt payoff planner comparing avalanche, snowball, and minimum-only strategies. Enter debts as 'name, balance, APR%, minPayment $' per line plus an extra monthly payment. Shows payoff time, total interest, savings, balance decline curves, and a per-debt repayment detail table.
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/debt-payoff-calculator' \
-H 'Content-Type: application/json' \
-d '{"debts":"Personal Loan, 10000, 9.5, 200\nCredit Card, 4500, 22.0, 90\nMedical Bill, 1500, 0, 50","extraMonthly":300,"strategy":"avalanche","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/debt-payoff-calculatorParameters
| Name | Type | Required | Description |
|---|---|---|---|
| debts | 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-debt-payoff-calculator": {
"name": "debt-payoff-calculator",
"description": "General-purpose debt payoff planner comparing avalanche, snowball, and minimum-only strategies. Enter debts as 'name, balance, APR%, minPayment $' per line plus an extra monthly payment. Shows payoff time, total interest, savings, balance decline curves, and a per-debt repayment detail table.",
"baseUrl": "https://api.elysiatools.com/mcp/sse?toolId=debt-payoff-calculator",
"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": "debt-payoff-calculator",
"arguments": {
"debts": "Personal Loan, 10000, 9.5, 200\nCredit Card, 4500, 22.0, 90\nMedical Bill, 1500, 0, 50",
"extraMonthly": 300,
"strategy": "avalanche",
"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).