Debt Snowball Calculator

Calculate debt payoff plan using the snowball method (pay smallest balance first)

json· JSON 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-snowball-calculator' \
  -H 'Content-Type: application/json' \
  -d '{"monthlyPayment":1000,"debt1Name":"Credit Card A","debt1Balance":5000,"debt1MinPayment":150,"debt1Rate":18,"debt2Name":"Credit Card B","debt2Balance":3000,"debt2MinPayment":100,"debt2Rate":15,"debt3Name":"Car Loan","debt3Balance":15000,"debt3MinPayment":300,"debt3Rate":7,"debt4Name":"e.g., Student Loan","debt4Balance":0,"debt4MinPayment":0,"debt4Rate":5,"debt5Name":"e.g., Personal Loan","debt5Balance":0,"debt5MinPayment":0,"debt5Rate":10}'

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-snowball-calculator

Parameters

Name	Type	Required	Description
monthlyPayment	number	Yes	—
debt1Name	text	No	—
debt1Balance	number	No	—
debt1MinPayment	number	No	—
debt1Rate	number	No	—
debt2Name	text	No	—
debt2Balance	number	No	—
debt2MinPayment	number	No	—
debt2Rate	number	No	—
debt3Name	text	No	—
debt3Balance	number	No	—
debt3MinPayment	number	No	—
debt3Rate	number	No	—
debt4Name	text	No	—
debt4Balance	number	No	—
debt4MinPayment	number	No	—
debt4Rate	number	No	—
debt5Name	text	No	—
debt5Balance	number	No	—
debt5MinPayment	number	No	—
debt5Rate	number	No	—

Response format

JSON result

JSON

{
  "key": {...},
  "metadata": {
    "key": "value"
  },
  "error": "Error message (optional)",
  "message": "Notification message (optional)"
}

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-snowball-calculator": {
      "name": "debt-snowball-calculator",
      "description": "Calculate debt payoff plan using the snowball method (pay smallest balance first)",
      "baseUrl": "https://api.elysiatools.com/mcp/sse?toolId=debt-snowball-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-snowball-calculator",
    "arguments": {
  "monthlyPayment": 1000,
  "debt1Name": "Credit Card A",
  "debt1Balance": 5000,
  "debt1MinPayment": 150,
  "debt1Rate": 18,
  "debt2Name": "Credit Card B",
  "debt2Balance": 3000,
  "debt2MinPayment": 100,
  "debt2Rate": 15,
  "debt3Name": "Car Loan",
  "debt3Balance": 15000,
  "debt3MinPayment": 300,
  "debt3Rate": 7,
  "debt4Name": "e.g., Student Loan",
  "debt4Balance": 0,
  "debt4MinPayment": 0,
  "debt4Rate": 5,
  "debt5Name": "e.g., Personal Loan",
  "debt5Balance": 0,
  "debt5MinPayment": 0,
  "debt5Rate": 10
}
  }
}

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).

Questions or issues? Contact [email protected]