# DebtPulse Debt Payoff Calculator

> DebtPulse Debt Payoff Calculator is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-15).

Compares avalanche, snowball, and hybrid debt payoff strategies with exact interest calculations to find the optimal repayment plan

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/payoff
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-debt-payoff-calculator-3ba6ea51
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_ysVprZm3-ymn0ub6TeEcF

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 debtpulse-debt-payoff-calculator-3ba6ea51
```

Example prompt: I have three debts: a credit card with a $5,200 balance at 22% APR and $104 minimum payment, a car loan with $8,500 at 7% APR and $200 minimum, and a personal loan with $3,000 at 15% APR and $90 minimum — I can put $700/month total toward these. Can you compare the avalanche, snowball, and hybrid payoff strategies and tell me which one saves the most interest?

## When to prefer this

Choose this endpoint when you need mathematically precise interest calculations comparing multiple debt payoff strategies simultaneously — especially when a user has 2+ debts with different rates and wants to know the true cost of avalanche vs snowball vs hybrid approaches. Prefer this over generic financial calculators when exact amortization math and multi-strategy comparison are required in a single call.

## Known failure modes

- Missing required debt parameters (balances, rates, minimums) returns 400 Bad Request
- Monthly budget below sum of minimum payments returns validation error
- Invalid interest rate or negative balance values return 422 Unprocessable Entity
- Malformed query parameters return 400 with field-level error messages
- Payment failure or missing x402 payment header returns 402 Payment Required

## How this service works

Debt payoff calculator: snowball vs avalanche vs hybrid. Compares all three strategies with exact interest math, payoff dates, and total interest saved versus minimum payments, factoring in the current rate environment. For debt-relief and personal-finance agents.

## Output

Returns a side-by-side comparison of avalanche, snowball, and hybrid payoff strategies including total interest paid under each method, months to debt-free, recommended payment order, monthly breakdown of principal and interest, and total interest savings versus the minimum-payment baseline.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "lang": {
       "type": "string",
       "description": "en | es | fr | de | pt | zh"
      },
      "debts": {
       "type": "string"
      },
      "extra": {
       "type": "string",
       "description": "200 (extra monthly USD)"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "errors": {
     "type": "object",
     "description": "Documented error responses, keyed by HTTP status code",
     "additionalProperties": {
      "type": "object",
      "required": [
       "description"
      ],
      "properties": {
       "example": {
        "type": "object"
       },
       "description": {
        "type": "string"
       }
      }
     }
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "recommended": "avalanche",
  "first_payoff_target": "Credit card at 24.99%",
  "snowball_payoff_months": 42,
  "avalanche_payoff_months": 38,
  "total_interest_avalanche": 3240,
  "interest_saved_vs_minimum": 9100
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/debtpulse-debt-payoff-calculator-3ba6ea51/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from debtpulse.vercel.app](https://www.zero.xyz/host/debtpulse.vercel.app/llms.txt)