{
  "slug": "debt-payoff",
  "mcpServerUrl": "https://plugins-worker.demos.42a.ai/debt-payoff/mcp",
  "interface": {
    "displayName": "Handy Debt Payoff Planner",
    "shortDescription": "Snowball vs avalanche plan",
    "longDescription": "Plan how to pay off credit cards and loans: get your debt-free date, the order your debts get cleared and the total interest, month by month.\n\nList each debt with its balance, APR and minimum payment, and say how much you can put toward debt each month. The planner simulates every month: interest accrues, every minimum gets paid, and everything extra goes to one target debt, highest interest rate first (avalanche) or smallest balance first (snowball). When a debt is paid off its payment rolls into the next one. Compare both methods to see the difference in interest and months, move the budget slider to see how much sooner you finish, and download the full month-by-month plan as an Excel workbook.\n\nIf the budget does not cover the minimums, or a debt would never be paid off, the planner says so plainly. Nothing is stored.",
    "category": "Finance",
    "defaultPrompt": [
      "Snowball or avalanche? Visa $5,000 at 22.99% min $150, Mastercard $2,500 at 18.5% min $75. I can pay $500 a month",
      "When will I be debt free if I pay $900 a month on my car loan, credit card and student loan?",
      "Make a debt snowball plan for my credit cards"
    ],
    "capabilities": [
      "Month-by-month simulation with interest, minimums and rollover",
      "Avalanche (highest APR first) and snowball (smallest balance first)",
      "Debt-free date, payoff order and total interest",
      "Side-by-side comparison of both methods",
      "Budget slider to see how extra money changes the date",
      "Excel month-by-month payment plan"
    ],
    "logo": "https://plugins-worker.demos.42a.ai/debt-payoff/icon.svg",
    "websiteURL": "https://plugins-worker.demos.42a.ai/debt-payoff/",
    "supportURL": "https://plugins-worker.demos.42a.ai/support",
    "privacyPolicyURL": "https://plugins-worker.demos.42a.ai/privacy",
    "termsOfServiceURL": "https://plugins-worker.demos.42a.ai/terms",
    "developerName": "42a"
  },
  "keywords": [
    "debt payoff calculator",
    "debt snowball calculator",
    "debt avalanche calculator",
    "snowball vs avalanche",
    "when will I be debt free",
    "credit card payoff plan",
    "pay off credit card debt",
    "debt free date calculator"
  ],
  "tools": [
    {
      "name": "plan_debt_payoff",
      "title": "Plan debt payoff",
      "annotations": {
        "readOnlyHint": true,
        "destructiveHint": false,
        "openWorldHint": false,
        "idempotentHint": true
      }
    }
  ],
  "dataSources": [],
  "review": {
    "positiveTestCases": [
      {
        "description": "Three credit cards, compare both methods",
        "prompt": "Snowball or avalanche? Visa $5,000 at 22.99% min $150, Mastercard $2,500 at 18.5% min $75. I can pay $500 a month",
        "tools_triggered": [
          "plan_debt_payoff"
        ],
        "expected_behavior": "Avalanche leads: store card, Visa, then Mastercard, debt-free in 16 months (Feb 2028) with $1,294.37 interest; snowball takes 17 months and $82.10 more."
      },
      {
        "description": "Snowball with four debts",
        "prompt": "Debt snowball plan: car loan $8,000 at 6.9% min $250, credit card $3,200 at 24% min $96, medical bill $1,200 at 0% min $50, student loan $15,000 at 5.5% min $165. I have $900 a month.",
        "tools_triggered": [
          "plan_debt_payoff"
        ],
        "expected_behavior": "Medical bill, credit card, car loan, then student loan: debt-free in 34 months (Aug 2029), $2,686.75 interest."
      },
      {
        "description": "One credit card with a fixed payment",
        "prompt": "How long to pay off $12,000 on a credit card at 21% if I pay $500 a month?",
        "tools_triggered": [
          "plan_debt_payoff"
        ],
        "expected_behavior": "32 months (paid off Jun 2029) and $3,700.43 of interest."
      },
      {
        "description": "Avalanche with a big budget",
        "prompt": "Avalanche plan: personal loan $9,500 at 11.5% min $310, Amex $4,200 at 27.24% min $126. Budget $1,200 a month starting January 2027.",
        "tools_triggered": [
          "plan_debt_payoff"
        ],
        "expected_behavior": "Amex is paid off first (Jun 2027), debt-free in Jan 2028 after 13 payments, $1,066.64 interest."
      },
      {
        "description": "Snowball vs avalanche on two cards",
        "prompt": "Is snowball or avalanche better for me? Card A $1,000 at 29.99% min $40, Card B $6,000 at 15.99% min $180, $450 a month.",
        "tools_triggered": [
          "plan_debt_payoff"
        ],
        "expected_behavior": "Both methods target Card A first here, so they match: 18 months and $933.47 interest either way."
      }
    ],
    "negativeTestCases": [
      {
        "prompt": "What will my monthly payment be on a $25,000 car loan at 7% for 5 years?",
        "expected_behavior": "Does not call Handy Debt Payoff Planner: A single new loan payment is a loan calculator question, not a multi-debt payoff plan."
      },
      {
        "prompt": "Should I consolidate my credit card debt with a personal loan or a balance transfer card?",
        "expected_behavior": "Does not call Handy Debt Payoff Planner: Product advice with no debts listed to simulate."
      },
      {
        "prompt": "How much will $10,000 grow in 10 years at 5%?",
        "expected_behavior": "Does not call Handy Debt Payoff Planner: Savings growth, not paying off debt."
      }
    ]
  }
}