# WealthPulse Debt Payoff Analyzer

> WealthPulse Debt Payoff Analyzer is a paid API for AI agents from wealthpulse-phi.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-14).

Analyzes debt using avalanche vs snowball strategies, provides payoff timeline projections, and checks consolidation opportunities

## Facts

- Endpoint: GET https://wealthpulse-phi.vercel.app/api/wealth/debt
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/wealthpulse-debt-payoff-analyzer-e22baaff
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_r-fuuC3uh_RHvlLVJdoqR

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 wealthpulse-debt-payoff-analyzer-e22baaff
```

Example prompt: I have three debts: a $8,500 credit card at 22% APR with a $200 minimum, a $15,000 car loan at 6% APR with $300 minimum, and a $4,200 store card at 28% APR with $100 minimum — I can put $900/month total toward debt. Can you run the avalanche vs snowball comparison, show me the payoff timeline for each, and check if consolidation makes sense?

## When to prefer this

Use this endpoint when a user wants to model and compare structured debt repayment strategies (avalanche vs snowball) with timeline projections and consolidation analysis, rather than generic budgeting or net worth calculations. Ideal when the user has multiple debts with varying interest rates and wants a data-driven payoff plan.

## Known failure modes

- Missing or invalid debt input data returns an error
- Zero or insufficient monthly payment amount (below sum of minimums) returns an error
- Malformed interest rate values cause computation failure
- Payment gateway failure for the $0.10 USDC fee returns 402 before analysis runs

## How this service works

Avalanche or snowball — which pays off my debt faster and cheaper? Debt payoff planner comparing both strategies with total interest cost and months to payoff, plus a consolidation check across your debts. For personal-finance and wealth agents.

## Output

Returns a structured comparison of avalanche vs snowball payoff strategies including month-by-month timeline, total interest paid for each strategy, projected payoff dates, savings differential between methods, and a consolidation feasibility assessment indicating whether combining debts would reduce overall cost.

## Example request

```json
{
 "debts": [
  {
   "apr": 22,
   "name": "Credit Card",
   "balance": 8500,
   "minimumPayment": 200
  },
  {
   "apr": 6,
   "name": "Car Loan",
   "balance": 15000,
   "minimumPayment": 300
  },
  {
   "apr": 28,
   "name": "Store Card",
   "balance": 4200,
   "minimumPayment": 100
  }
 ],
 "analysisType": "avalanche_vs_snowball_with_consolidation",
 "monthlyPayment": 900
}
```

## 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",
       "description": "required; comma-separated name:balance:rate, rate as %"
      },
      "extra": {
       "type": "string",
       "description": "200 (extra monthly payment available USD, optional)"
      }
     }
    }
   },
   "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": {
  "disclaimer": "For informational purposes only. Not financial advice. Consult a licensed financial advisor before making significant debt decisions.",
  "strategies": {
   "snowball": {
    "best_for": "quick wins to stay motivated",
    "description": "Pay minimums on all debts, extra toward the smallest balance first",
    "months_to_payoff": 41,
    "total_interest_paid": "$9,680"
   },
   "avalanche": {
    "best_for": "minimizing total interest paid",
    "description": "Pay minimums on all debts, extra toward the highest rate first",
    "months_to_payoff": 38,
    "total_interest_paid": "$8,940"
   }
  },
  "total_debt": "$47,200",
  "amazon_link": "https://www.amazon.com/s?k=debt+payoff+strategy&tag=pulsenetwork7-20",
  "amazon_search": "debt payoff strategy",
  "recommended_reason": "Saves $740 in interest for only 3 months longer than snowball",
  "consolidation_check": "A 10% personal loan would beat your current 22-24% credit card rates",
  "extra_payment_impact": "$300/month extra cuts the payoff time by 14 months",
  "recommended_strategy": "avalanche",
  "total_monthly_minimum": "$580"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/wealthpulse-debt-payoff-analyzer-e22baaff/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from wealthpulse-phi.vercel.app](https://www.zero.xyz/host/wealthpulse-phi.vercel.app/llms.txt)