---
title: "Calculate Overpayment"
method: POST
path: "/api/net-worth/{user_id}/accounts/{account_id}/overpayment"
tags: ["Net Worth"]
---

# Calculate Overpayment

`POST /api/net-worth/{user_id}/accounts/{account_id}/overpayment`

## Request

- Base URL: `https://api.earmarkiq.app` (the document declares no server; this is the origin it was published from)
- URL: `https://api.earmarkiq.app/api/net-worth/{user_id}/accounts/{account_id}/overpayment`
- Auth: HTTP bearer

Calculate impact of extra monthly overpayments on a mortgage or loan.

## Path parameters

- `user_id` string, uuid, required
- `account_id` string, uuid, required

## Request body

- OverpaymentRequest
  - `extra_monthly` union, required
    - number
    - string

## Response `200`

Successful Response

- OverpaymentResponse
  - `current_monthly_payment` number, required
  - `new_monthly_payment` number, required
  - `current_total_cost` number, required
  - `new_total_cost` number, required
  - `interest_saved` number, required
  - `months_saved` integer, required
  - `current_payoff_date` string, required
  - `new_payoff_date` string, required
  - `current_remaining_months` integer, required
  - `new_remaining_months` integer, required

## Other responses

- `422`: Validation Error

---

[API](https://skmtc.dev/earmarkiq/apis/earmark-api.md) · [All operations](https://skmtc.dev/earmarkiq/apis/earmark-api/llms.txt) · [OpenAPI document](https://skmtc.dev/earmarkiq/apis/earmark-api/revisions/4a2c41907105?raw)