---
title: "Credit card payoff comparison"
method: GET
path: "/api/v1/calculate/credit-card-payoff"
---

# Credit card payoff comparison

`GET /api/v1/calculate/credit-card-payoff`

## Request

- Base URL: `https://everycalc.xyz`
- URL: `https://everycalc.xyz/api/v1/calculate/credit-card-payoff`
- Auth: none declared

Months and interest to clear a credit card balance with a fixed monthly payment, compared with adding an extra monthly payment. A payment that never clears the balance returns null months and interest. Results match the interactive calculator at everycalc.xyz; every response includes a calculator_url deep link to it.

## Query parameters

- `balance` number, required
- `annual_rate_pct` number, required
- `monthly_payment` number, required
- `extra_payment` number

## Response `200`

Calculation result.

## Other responses

- `400`: Invalid input.

---

[API](https://skmtc.dev/everycalc/apis/everycalc-api.md) · [All operations](https://skmtc.dev/everycalc/apis/everycalc-api/llms.txt) · [OpenAPI document](https://skmtc.dev/everycalc/apis/everycalc-api/revisions/a4bd5db0868a?raw)