payoff_vs_invest

ai.senaro/personal-finance · Verify this server

Calculation, not advice. Verify with a professional before acting. Should you pay extra on debt or invest the difference? 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. 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. output='capture' writes the full payload to a file on this server's local disk for the chart-render pipeline; available on the local stdio transport only, and rejected with a structured error on the hosted HTTP transport. At extreme inputs (very long horizon, very high rate, or very large amounts) the response may instead be { meta, not_representable: { code, explanation } } when no projection can be computed.