# Debt Payoff Planner (Snowball/Avalanche Simulator)

> Debt Payoff Planner (Snowball/Avalanche Simulator) is a paid API for AI agents from api.24klabs.ai, paid per call via x402, $0.003/call, status unknown (last checked 2026-09-16).

Simulates month-by-month debt payoff using snowball (smallest balance first) or avalanche (highest APR first) strategies, returning months-to-debt-free, total interest paid, and interest saved versus paying minimums.

## Facts

- Endpoint: POST https://api.24klabs.ai/api/debt-payoff-planner
- Price: $0.003/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-16
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debt-payoff-planner-snowball-avalanche-simulator-6b8e2043
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Vq9Xz4ULoBrKn_BhJJgXF

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 debt-payoff-planner-snowball-avalanche-simulator-6b8e2043 -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 6.5% APR and $190 minimum, and a personal loan with $2,100 at 14% APR and $60 minimum — I can put $500/month total toward these. Run the avalanche simulation and tell me when I'll be debt-free and how much interest I'll save versus just paying minimums.

## When to prefer this

Use this endpoint when a user needs a concrete, month-by-month simulation of paying off multiple debts — especially when comparing snowball vs. avalanche strategies or quantifying interest savings over minimums. Prefer this over generic financial calculators when the user has 2+ debts with different balances, APRs, and minimums and wants an ordered payoff plan with a firm debt-free timeline.

## Known failure modes

- Missing required debt fields (balance, APR, minimum payment) returns a validation error
- Invalid strategy value (not 'snowball' or 'avalanche') returns a bad request error
- Monthly budget less than sum of all minimums may return an infeasible plan error or warning
- APR values as decimals vs percentages may produce incorrect results if not correctly formatted
- Empty debts array returns an error or trivial zero-debt result

## 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 payoff sequence for all debts, a month-by-month amortization schedule showing which debt receives the extra payment each month, total months until fully debt-free, total interest paid across all debts, and the interest savings compared to paying only minimums on every debt throughout.

## 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/debt-payoff-planner-snowball-avalanche-simulator-6b8e2043/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)