{
  "endpoint": "credit-card-payoff",
  "inputs": {
    "balance": 5000,
    "apr": 22.8,
    "monthlyPayment": 150,
    "minimumOnly": false
  },
  "result": {
    "months": 54,
    "termLabel": "4 yr 6 mo",
    "totalInterest": 2996.12,
    "totalPaid": 7996.12,
    "firstPayment": 150,
    "neverPaysOff": false
  },
  "notes": [
    "The minimum-payment formula (1% of balance plus that month's interest, with a $25 floor) is the common US issuer convention, not a statutory rule. Your card's terms govern.",
    "Assumes no new charges and no fees."
  ],
  "meta": {
    "source": "https://farbetteroff.com",
    "calculator": "https://farbetteroff.com/calculators/credit-card-payoff-calculator",
    "docs": "https://farbetteroff.com/api/v1",
    "disclaimer": "Educational estimate, not financial advice."
  }
}