# Credit Card Payoff Calculator API with Visuals

> For the complete documentation index, see [llms.txt](/llms.txt).

Estimate how long a credit card payoff plan will take and how much interest it costs. Includes visual chart data in `result.chart_data` for client-side charts.

Use this endpoint to add the tool to your app, site, workflow, or agent without rebuilding formulas, validation, examples, and docs.

- Slug: `credit-card-payoff-calculator`
- Category: `finance`
- Version: `2026-04-22`
- Credits per successful call: 1
- Starts on: free
- Max payload: 65536 bytes
- Privacy mode: `hash_only`
- Available on: free, starter, pro, business, scale
- Browser tool: https://miniwebtool.com/credit-card-payoff-calculator/

## Endpoint

`POST https://api.miniwebtool.com/v1/tools/credit-card-payoff-calculator/run`

## Request body

| Field | Type | Required | Description |
| --- | --- | --- | --- |
| `balance` | `float` | no |  |
| `apr` | `float` | no |  |
| `payment` | `float` | no |  |
| `monthly_charges` | `float` | no |  |

## Visual chart data

Successful responses include compact `result.chart_data` arrays for rendering charts in Chart.js, Recharts, ECharts, SVG, or canvas without downloading an image.

## Example request

```json
{
  "balance": 5000,
  "apr": 22.99,
  "payment": 200,
  "monthly_charges": 0
}
```

## cURL

```bash
curl -X POST https://api.miniwebtool.com/v1/tools/credit-card-payoff-calculator/run \
  -H 'Authorization: Bearer mwt_live_YOUR_KEY' \
  -H 'Content-Type: application/json' \
  -d '{"balance":5000,"apr":22.99,"payment":200,"monthly_charges":0}'
```

## Response envelope

```json
{
  "request_id": "01K...",
  "tool": "credit-card-payoff-calculator",
  "tool_version": "2026-04-22",
  "credits_used": 1,
  "result": {}
}
```

## Errors

Errors are RFC 7807 `application/problem+json`. Branch on `code`, not `title`.

## MCP

Agents can discover and call this tool through `https://api.miniwebtool.com/mcp` or `https://api.miniwebtool.com/v1/mcp` using MCP `tools/list` and `tools/call`.

## Frequently asked

### What does the Credit Card Payoff Calculator API do?

Estimate how long a credit card payoff plan will take and how much interest it costs. Use it to add this utility without rebuilding formulas, validation, examples, and documentation.

### How much does one call cost?

1 credit per successful call. Failed calls do not bill.

### What parameters are required?

Required fields: (none). Full schema at `https://api.miniwebtool.com/v1/openapi.json`.

### Does the Credit Card Payoff Calculator API include visual chart data?

Yes. Use `result.chart_data` to render visual charts client-side without requesting image assets.

### Is this deterministic?

Yes. Same input, same output. Tool version: 2026-04-22.