---
title: "Debt payoff: avalanche vs snowball"
method: GET
path: "/api/v1/calculate/debt-payoff"
---

# Debt payoff: avalanche vs snowball

`GET /api/v1/calculate/debt-payoff`

## Request

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

Simulates paying off a list of debts month by month with minimum payments plus an extra monthly payment, comparing the avalanche method (highest APR first) with the snowball method (smallest balance first), and reports months to payoff, total interest, payoff order, and the interest and time the avalanche saves. Results match the interactive calculator at everycalc.xyz; every response includes a calculator_url deep link to it.

## Query parameters

- `debt_names` string
- `debt_balances` string, required
- `debt_aprs` string, required
- `debt_minimums` string, 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)