---
title: "Full debt-payoff report: avalanche vs snowball simulated month-by-month with debt rollover — payoff order, debt-free month, total interest, and the exact gap between strategies."
method: POST
path: "/v1/reports/debt-plan"
tags: ["Lending"]
---

# Full debt-payoff report: avalanche vs snowball simulated month-by-month with debt rollover — payoff order, debt-free month, total interest, and the exact gap between strategies.

`POST /v1/reports/debt-plan`

## Request

- Base URL: `` (relative, and it does not resolve against the document’s source URL)
- URL: `/v1/reports/debt-plan`
- Auth: none declared

Full debt-payoff report: avalanche vs snowball simulated month-by-month with debt rollover — payoff order, debt-free month, total interest, and the exact gap between strategies.

Payment: x402 ($0.25 USDC on eip155:8453). Call unpaid to receive an HTTP 402 with requirements, then retry with the PAYMENT-SIGNATURE header. Method: monthly: accrue balance*APR/12 per open debt, pay minimums, cascade remaining budget to target (avalanche: highest APR first; snowball: smallest balance first); 600-month cap

## Request body

- object
  - `debts` object[], required
    - `name` string
    - `balance` number, required
    - `apr` number, required
    - `minPayment` number, required
  - `extraMonthly` number

## Response `200`

Verified result + provenance (formula, sources, reproducible SHA-256 hash).

## Other responses

- `400`: Invalid input (no charge) — body echoes the JSON Schema.
- `402`: Payment required — PAYMENT-REQUIRED header carries the x402 accepts[] quote.

---

[API](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents.md) · [All operations](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents/llms.txt) · [OpenAPI document](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents/revisions/60cb70a3e1a5?raw)