# 24K Labs Debt Payoff Planner

> 24K Labs Debt Payoff Planner is a paid API for AI agents from api.24klabs.ai, paid per call via x402, $0.003/call, status unknown (last checked 2026-09-13).

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.

## Facts

- Endpoint: POST https://api.24klabs.ai/api/v1/debt-payoff-planner
- Price: $0.003/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/24k-labs-debt-payoff-planner-9dc368d6
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_4uNmY1ad7VaAM6d5MVIyf

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability 24k-labs-debt-payoff-planner-9dc368d6 -d '<json body>'
```

Example prompt: 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.

## When to prefer this

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.

## Known failure modes

- 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

## How this service works

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.

## Output

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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "debts": {
   "type": "array"
  },
  "strategy": {
   "type": "string"
  },
  "extra_payment": {
   "type": "number"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "months_to_debt_free": 34,
  "total_interest_paid": 4210.55,
  "interest_saved_vs_minimums": 1890.2
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/24k-labs-debt-payoff-planner-9dc368d6/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.24klabs.ai](https://www.zero.xyz/host/api.24klabs.ai/llms.txt)