{
  "slug": "debt-payoff",
  "name": "gizza-ai/debt-payoff",
  "version": "0.1.0",
  "title": "Debt Payoff Calculator — Snowball vs Avalanche Planner — gizza.ai",
  "description": "Plan how to pay off multiple debts with the snowball or avalanche method. See your debt-free date, total interest, payoff order and the savings from an extra payment.",
  "tags": [
    "debt payoff calculator",
    "debt snowball",
    "debt avalanche",
    "snowball vs avalanche",
    "debt free date",
    "pay off debt",
    "credit card payoff",
    "extra payment calculator",
    "rollover method"
  ],
  "category": "utilities",
  "urls": {
    "page": "https://gizza.ai/tools/debt-payoff/",
    "markdown": "https://gizza.ai/tools/debt-payoff/index.md",
    "descriptor": "https://gizza.ai/tools/debt-payoff/tool.json",
    "deep_link_example": "https://gizza.ai/tools/debt-payoff/?debts=Visa%2C%202500%2C%2019.99%2C%2075%0ACar%20Loan%2C%208000%2C%206.5%2C%20200%0AStore%20Card%2C%20600%2C%2024.99%2C%2025&method=snowball&extra_payment=300&start_date=2026-01-01"
  },
  "cli": "gizza tool debt-payoff \"Visa, 2500, 19.99, 75\nCar Loan, 8000, 6.5, 200\nStore Card, 600, 24.99, 25\"",
  "tool": {
    "description": "Build a debt-payoff plan from a list of debts (name, balance, APR%, minimum payment). Choose the snowball method (smallest balance first) or avalanche (highest APR first); both use the rollover method where a cleared debt's payment cascades onto the next one. Add a constant extra monthly payment and a start date. Returns the chosen plan (payoff order with per-debt interest, total paid, months and payoff date), total months, debt-free date, total interest and total paid, a minimum-only baseline with interest and months saved, and a snowball-vs-avalanche comparison with a recommendation. Returns an actionable error when the budget can never clear the debts or the input is invalid.",
    "parameters": {
      "additionalProperties": false,
      "properties": {
        "debts": {
          "description": "Your debts, one per line as `name, balance, APR%, minimum payment` — e.g. `Visa, 2500, 19.99, 75`. Balance and minimum are dollar amounts; APR is the yearly interest rate as a percent. `$` and `%` symbols are ignored; do NOT use thousands separators (the comma splits the fields). Up to 50 debts.",
          "type": "string"
        },
        "extra_payment": {
          "default": 0.0,
          "description": "Extra dollars you can pay every month on top of all the minimums. This is added to the target debt and cascades as debts are cleared. Default 0.",
          "minimum": 0,
          "type": "number"
        },
        "method": {
          "default": "snowball",
          "description": "Payoff strategy. 'snowball' targets the smallest balance first (fastest wins for motivation); 'avalanche' targets the highest APR first (least total interest). Both roll a cleared debt's payment onto the next one. Default snowball.",
          "enum": [
            "snowball",
            "avalanche"
          ],
          "type": "string"
        },
        "start_date": {
          "description": "The month the plan starts, as YYYY-MM-DD (e.g. 2026-01-01). Drives the debt-free date and each debt's payoff date. Defaults to today when omitted.",
          "type": "string"
        }
      },
      "required": [
        "debts"
      ],
      "type": "object"
    }
  }
}