compare_payoff_vs_invest

ai.senaro/personal-finance · Verify this server

Calculation, not advice. Verify with a professional before acting. Compares the guaranteed return of debt payoff against expected investment returns over a time horizon. Accounts for post-payoff investing, tax implications, and finds the break-even investment return rate. Works for credit cards, auto loans, student loans, personal loans, and mortgages. Pick this when the alternative to investing is paying down an existing debt balance; pick `calculate_opportunity_cost` when there is no debt in the picture and the alternative is simply forgoing recurring spending to invest it instead. The response echoes debt_type (canonical lowercase enum the projection was computed for) and debt_type_label (display-ready string, e.g. 'student loan') at the top level. HEAVY tool: use output='summary' (default) for the headline comparison or output='inline' for the full month-by-month schedule. When no projection can be computed (very long horizon, very high rate, or very large amounts), the response is { meta, not_representable: { code, explanation } } instead.