# DebtPulse Freedom Roadmap

> DebtPulse Freedom Roadmap is a paid API for AI agents from debtpulse.theaslangroupllc.com, paid per call via x402, $0.15/call, status unknown (last checked 2026-09-14).

Generates a personalized, step-by-step debt payoff roadmap with method recommendation, monthly milestones, and total interest projection based on debts and income.

## Facts

- Endpoint: GET https://debtpulse.theaslangroupllc.com/api/debt/freedom-roadmap
- Price: $0.15/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-freedom-roadmap-5595867a
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_flkdLf_a7WM7TqC_8-eEy

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-freedom-roadmap-5595867a
```

Example prompt: I have $28,400 in debt — $12,000 on a credit card, $8,000 in medical bills, and $8,400 in personal loans — and I bring in $3,500 a month with about $2,000 in savings. Can you build me a step-by-step debt freedom roadmap showing which debts to pay off first, how many months it'll take, and what my monthly budget needs to be?

## When to prefer this

Use this endpoint when a user needs a complete, personalized debt payoff roadmap with a recommended strategy, timeline, milestones, and budget projection. It is best suited for multi-debt scenarios where prioritization and scheduling matter. Prefer this over generic financial calculators when the user wants a narrative, milestone-based plan rather than a single payoff figure. It complements sibling DebtPulse endpoints covering bankruptcy, mortgage relief, or creditor negotiation when a holistic elimination plan is the primary need.

## Known failure modes

- Missing required 'debts' or 'income' fields returns a 400 validation error
- Invalid or unparseable debt/income string values may produce inaccurate or error responses
- Payment signature missing or invalid USDC payment on Base mainnet returns 402 Payment Required
- Unsupported ISO 639-1 language code may fall back to English or return an error
- Country-specific rules may be limited or unavailable for less common jurisdictions

## How this service works

Debt-free roadmap and payoff plan with wealth-building projection. Returns a phase-by-phase plan from current debt to debt-free, with milestones, the monthly budget required, and a 10-year wealth projection. For debt-relief and personal-finance agents.

## Output

Returns a JSON object containing the recommended payoff method (e.g. avalanche or snowball), total months to debt-free, projected payoff date, total interest paid, required monthly budget, and a list of milestone events (e.g. 'Month 6: Credit card 1 paid off') marking each debt elimination along the journey.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "debts",
  "income"
 ],
 "properties": {
  "lang": {
   "type": "string",
   "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
  },
  "debts": {
   "type": "string",
   "description": "debts"
  },
  "income": {
   "type": "string",
   "description": "Monthly income in USD"
  },
  "country": {
   "type": "string",
   "description": "Jurisdiction for country-specific rules and programs"
  },
  "savings": {
   "type": "string",
   "description": "savings"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "method": "avalanche",
  "months": 33,
  "milestones": [
   "Month 6: Credit card 1 paid off",
   "Month 18: Medical debt cleared",
   "Month 33: Debt-free"
  ],
  "total_debt": 28400,
  "payoff_date": "2029-03",
  "total_interest": 4820,
  "monthly_budget_required": 980
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/debtpulse-freedom-roadmap-5595867a/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from debtpulse.theaslangroupllc.com](https://www.zero.xyz/host/debtpulse.theaslangroupllc.com/llms.txt)