Debt Crusher

Create intelligent debt repayment plans using avalanche or snowball strategies. Simulate payoff timelines and track progress against targets.

/api/v1/engine/debt

Endpoints

POST

/api/v1/engine/debt/planSoon

Create a new debt repayment plan

POST

/api/v1/engine/debt/simulateSoon

Simulate payoff timeline with different strategies

GET

/api/v1/engine/debt/{plan_id}/progressSoon

Track progress against repayment targets

PATCH

/api/v1/engine/debt/{plan_id}Soon

Update plan parameters or strategy

Parameters

Parameter	Type	Required	Description
debts	array	Required	List of debts with balance, rate (bps), and minimum payment (pence)
monthly_budget	integer	Required	Total monthly debt budget in pence
strategy	string	Optional	Repayment strategy: avalanche (highest rate) or snowball (lowest balance)

Example

Request

http

POST /api/v1/engine/debt/simulate HTTP/1.1
Host: api.tpay365.com
Authorization: Bearer sk_live_abc123
Content-Type: application/json

{
  "debts": [
    { "name": "Credit Card", "balance": 450000, "rate": 2190, "minimum": 5000 },
    { "name": "Personal Loan", "balance": 800000, "rate": 890, "minimum": 15000 }
  ],
  "monthly_budget": 30000,
  "strategy": "avalanche"
}

Response

json

{
  "strategy": "avalanche",
  "total_months": 48,
  "total_interest_paid": 185230,
  "total_paid": 1435230,
  "payoff_schedule": [
    { "month": 1, "debt": "Credit Card", "payment": 15000, "remaining": 443175 },
    { "month": 1, "debt": "Personal Loan", "payment": 15000, "remaining": 790933 }
  ],
  "savings_vs_minimum": 42870
}