---
title: "Debt Consolidation Calculator"
method: POST
path: "/api/v1/tools/debt-consolidation-calculator"
tags: ["debt"]
---

# Debt Consolidation Calculator

`POST /api/v1/tools/debt-consolidation-calculator`

## Request

- Base URL: `https://calcfleet.com`
- URL: `https://calcfleet.com/api/v1/tools/debt-consolidation-calculator`
- Auth: none declared

See how your current debts compare against one new consolidation loan. A lower rate with a longer term can still cost you more — see the true lifetime numbers.

## Request body

- object
  - `debts` object[], required
    - `balance` number, required
    - `aprPct` number, required
    - `minPayment` number, required
  - `consolidationAprPct` number, required
  - `consolidationTermMonths` integer, 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)