---
title: "Credit Card Payoff Calculator"
method: POST
path: "/api/v1/tools/credit-card-payoff-calculator"
tags: ["debt"]
---

# Credit Card Payoff Calculator

`POST /api/v1/tools/credit-card-payoff-calculator`

## Request

- Base URL: `https://calcfleet.com`
- URL: `https://calcfleet.com/api/v1/tools/credit-card-payoff-calculator`
- Auth: none declared

Find out how many months until your credit card is paid off — and how the minimum-payment trap costs you decades and multiples of your original balance.

## Request body

- object
  - `balance` number, required
  - `aprPct` number, required
  - `monthlyPayment` number, required
  - `targetMonths` integer, nullable, required

## Response `200`

Successful calculation result.

- object
  - `result` object, required: Structured calculation output (fields vary per calculator).

## Other responses

- `400`: Invalid input — the issues array contains Zod validation errors.
- `403`: Forbidden — an Authorization: Bearer cf_… key was supplied but is invalid.
- `404`: Unknown tool slug.

---

[API](https://skmtc.dev/calcfleet/apis/calcfleet-financial-calculators-api.md) · [All operations](https://skmtc.dev/calcfleet/apis/calcfleet-financial-calculators-api/llms.txt) · [OpenAPI document](https://skmtc.dev/calcfleet/apis/calcfleet-financial-calculators-api/revisions/cd9abd595bbe?raw)