API reference

Loans

get/v1/loans

List loans

loans.listread tokenidempotent

Every loan in the ledger except dismissed ones, with today's balance and, where the terms allow, when it will be paid off. Suggested loans (found from the bank, not yet confirmed) are listed too; they post nothing until confirmed with loans.set_status.

Parameters

limit integer · query	Page size, 1–200.
cursor string \| null · query	The `next_cursor` of the previous page.
X-Organization-Id string \| null · header

Returns 200 · LoanList

data array of Loan · required
has_more boolean · required
next_cursor string \| null · required

Example

curl -X GET "https://api.lumaledger.app/v1/loans" \
  -H "Authorization: Bearer $LUMALEDGER_TOKEN"

post/v1/loans

Create a loan

loans.createwrite tokenidempotent

Record a loan's terms against its liability account. A confirmed amortizing or accrue-only loan gets a standing order that posts its interest (and its payments) every period from then on. Send an Idempotency-Key so a retry cannot create it twice.

Parameters

Idempotency-Key string \| null · header	Any unique string (a UUID is ideal). A retry with the same key returns the first attempt's response instead of doing the work twice. Keys are kept for 24 hours.
X-Organization-Id string \| null · header

Body · LoanCreate

accrual_mode string · required	One of `accrue_only`, `amortizing`, `statement`.
annual_rate string \| null	Annual rate in percent, as a decimal string: `"6.125"`. 0–200. Pattern: `^\d{1,3}(\.\d{1,4})?$`.
day_count string	One of `act365`, `act360`, `thirty360`. Default: `"act365"`.
escrow_account_id integer \| null	Where the escrow share goes.
escrow_amount string \| null	Pattern: `^\d{1,12}(\.\d{1,2})?$`.
interest_account_id integer \| null	Expense account for interest.
kind string · required	One of `mortgage`, `auto`, `student`, `personal`, `heloc`, `credit_card`, `other`.
liability_account_id integer · required	The liability account that holds the balance (see `accounts.list`). One loan per account.
maturity_date date \| null
name string · required
original_principal string \| null	Pattern: `^\d{1,12}(\.\d{1,2})?$`.
origination_date date \| null
payable_account_id integer \| null	Liability for accrued interest (`accrue_only`). Must not be the loan's own account.
payment_account_id integer \| null	The account payments leave from.
payment_amount string \| null	The regular payment, escrow included. Pattern: `^\d{1,12}(\.\d{1,2})?$`.
payment_cadence string	One of `weekly`, `monthly`, `quarterly`, `annually`. Default: `"monthly"`.
payment_day integer \| null	1–28, or -1 for the month's last day.
rate_type string	`fixed` or `variable`. Default: `"fixed"`.
term_months integer \| null	1–1200.

Returns 201 · LoanDetail

accrual_mode string · required	`amortizing`: a level payment posts each period and splits into interest and principal. `accrue_only`: interest accrues to a payable, no payments are modelled. `statement`: the servicer reports the interest and the ledger never computes it.
annual_rate string \| null · required	Annual interest rate in percent, as a decimal string: `"6.125"`.
balance Money · required	What is owed today: the liability account's balance, positive while owed.
day_count string · required	How a period's interest counts days: `act365`, `act360`, `thirty360`.
escrow_account_id integer \| null · required	The account the escrow share of a payment goes to.
escrow_amount Money \| null · required	The escrow share of each payment.
id integer · required
interest_account_id integer \| null · required	The expense account interest posts to.
kind string · required	One of `mortgage`, `auto`, `student`, `personal`, `heloc`, `credit_card`, `other`.
liability_account_id integer · required	The liability account that holds the balance.
maturity_date date \| null · required
name string · required
original_principal Money \| null · required
origination_date date \| null · required
payable_account_id integer \| null · required	The liability accrued interest posts to (`accrue_only` loans).
payment_account_id integer \| null · required	The account payments leave from.
payment_amount Money \| null · required	The regular payment, escrow included.
payment_cadence string · required	One of `weekly`, `monthly`, `quarterly`, `annually`.
payment_day integer \| null · required	Day of the month payments fall on, 1–28, or -1 for the month's last day.
projection LoanProjection \| null · required	Null when the terms cannot be projected (not amortizing, or no payment or rate).
rate_type string · required	`fixed` or `variable`.
schedule array of LoanPeriod · required	Every remaining period until payoff, capped at 600. Empty when there is no projection.
scheduled_entry_id integer \| null · required	The standing order that posts the loan's interest and payments, when it has one.
source string · required	`manual`, `inferred` (from the bank) or `assistant`.
status string · required	`suggested` (inferred from the bank, awaiting a verdict), `confirmed`, `closed` or `dismissed`. Only confirmed loans post and count in plans.
term_months integer \| null · required

Example

curl -X POST "https://api.lumaledger.app/v1/loans" \
  -H "Authorization: Bearer $LUMALEDGER_TOKEN" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{
    "accrual_mode": "…",
    "kind": "…",
    "liability_account_id": 1,
    "name": "…"
  }'

delete/v1/loans/{loan_id}

Delete a loan

loans.deletewrite tokendestructiveidempotent

Delete a loan's terms and its standing order. The liability account and everything already posted to it stay in the ledger.

Parameters

loan_id integer · path · required
X-Organization-Id string \| null · header

Returns 204 with no body.

Example

curl -X DELETE "https://api.lumaledger.app/v1/loans/{loan_id}" \
  -H "Authorization: Bearer $LUMALEDGER_TOKEN"

get/v1/loans/{loan_id}

Get a loan

loans.getread tokenidempotent

One loan with its amortization table, recomputed from today's balance: every remaining period's interest, principal and escrow until the balance reaches zero.

Parameters

loan_id integer · path · required
X-Organization-Id string \| null · header

Returns 200 · LoanDetail

accrual_mode string · required	`amortizing`: a level payment posts each period and splits into interest and principal. `accrue_only`: interest accrues to a payable, no payments are modelled. `statement`: the servicer reports the interest and the ledger never computes it.
annual_rate string \| null · required	Annual interest rate in percent, as a decimal string: `"6.125"`.
balance Money · required	What is owed today: the liability account's balance, positive while owed.
day_count string · required	How a period's interest counts days: `act365`, `act360`, `thirty360`.
escrow_account_id integer \| null · required	The account the escrow share of a payment goes to.
escrow_amount Money \| null · required	The escrow share of each payment.
id integer · required
interest_account_id integer \| null · required	The expense account interest posts to.
kind string · required	One of `mortgage`, `auto`, `student`, `personal`, `heloc`, `credit_card`, `other`.
liability_account_id integer · required	The liability account that holds the balance.
maturity_date date \| null · required
name string · required
original_principal Money \| null · required
origination_date date \| null · required
payable_account_id integer \| null · required	The liability accrued interest posts to (`accrue_only` loans).
payment_account_id integer \| null · required	The account payments leave from.
payment_amount Money \| null · required	The regular payment, escrow included.
payment_cadence string · required	One of `weekly`, `monthly`, `quarterly`, `annually`.
payment_day integer \| null · required	Day of the month payments fall on, 1–28, or -1 for the month's last day.
projection LoanProjection \| null · required	Null when the terms cannot be projected (not amortizing, or no payment or rate).
rate_type string · required	`fixed` or `variable`.
schedule array of LoanPeriod · required	Every remaining period until payoff, capped at 600. Empty when there is no projection.
scheduled_entry_id integer \| null · required	The standing order that posts the loan's interest and payments, when it has one.
source string · required	`manual`, `inferred` (from the bank) or `assistant`.
status string · required	`suggested` (inferred from the bank, awaiting a verdict), `confirmed`, `closed` or `dismissed`. Only confirmed loans post and count in plans.
term_months integer \| null · required

Example

curl -X GET "https://api.lumaledger.app/v1/loans/{loan_id}" \
  -H "Authorization: Bearer $LUMALEDGER_TOKEN"

patch/v1/loans/{loan_id}

Update a loan

loans.updatewrite tokenidempotent

Change a loan's terms. Only the fields sent change, and the standing order is rewritten from the result, so the next posting follows the new terms.

Parameters

loan_id integer · path · required
X-Organization-Id string \| null · header

Body · LoanUpdate

accrual_mode string	One of `accrue_only`, `amortizing`, `statement`.
annual_rate string \| null	Pattern: `^\d{1,3}(\.\d{1,4})?$`.
day_count string	One of `act365`, `act360`, `thirty360`.
escrow_account_id integer \| null
escrow_amount string \| null	Pattern: `^\d{1,12}(\.\d{1,2})?$`.
interest_account_id integer \| null
kind string	One of `mortgage`, `auto`, `student`, `personal`, `heloc`, `credit_card`, `other`.
liability_account_id integer
maturity_date date \| null
name string
original_principal string \| null	Pattern: `^\d{1,12}(\.\d{1,2})?$`.
origination_date date \| null
payable_account_id integer \| null
payment_account_id integer \| null
payment_amount string \| null	Pattern: `^\d{1,12}(\.\d{1,2})?$`.
payment_cadence string	One of `weekly`, `monthly`, `quarterly`, `annually`.
payment_day integer \| null
rate_type string	`fixed` or `variable`.
term_months integer \| null	1–1200.

Returns 200 · LoanDetail

accrual_mode string · required	`amortizing`: a level payment posts each period and splits into interest and principal. `accrue_only`: interest accrues to a payable, no payments are modelled. `statement`: the servicer reports the interest and the ledger never computes it.
annual_rate string \| null · required	Annual interest rate in percent, as a decimal string: `"6.125"`.
balance Money · required	What is owed today: the liability account's balance, positive while owed.
day_count string · required	How a period's interest counts days: `act365`, `act360`, `thirty360`.
escrow_account_id integer \| null · required	The account the escrow share of a payment goes to.
escrow_amount Money \| null · required	The escrow share of each payment.
id integer · required
interest_account_id integer \| null · required	The expense account interest posts to.
kind string · required	One of `mortgage`, `auto`, `student`, `personal`, `heloc`, `credit_card`, `other`.
liability_account_id integer · required	The liability account that holds the balance.
maturity_date date \| null · required
name string · required
original_principal Money \| null · required
origination_date date \| null · required
payable_account_id integer \| null · required	The liability accrued interest posts to (`accrue_only` loans).
payment_account_id integer \| null · required	The account payments leave from.
payment_amount Money \| null · required	The regular payment, escrow included.
payment_cadence string · required	One of `weekly`, `monthly`, `quarterly`, `annually`.
payment_day integer \| null · required	Day of the month payments fall on, 1–28, or -1 for the month's last day.
projection LoanProjection \| null · required	Null when the terms cannot be projected (not amortizing, or no payment or rate).
rate_type string · required	`fixed` or `variable`.
schedule array of LoanPeriod · required	Every remaining period until payoff, capped at 600. Empty when there is no projection.
scheduled_entry_id integer \| null · required	The standing order that posts the loan's interest and payments, when it has one.
source string · required	`manual`, `inferred` (from the bank) or `assistant`.
status string · required	`suggested` (inferred from the bank, awaiting a verdict), `confirmed`, `closed` or `dismissed`. Only confirmed loans post and count in plans.
term_months integer \| null · required

Example

curl -X PATCH "https://api.lumaledger.app/v1/loans/{loan_id}" \
  -H "Authorization: Bearer $LUMALEDGER_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{}'

post/v1/loans/{loan_id}/status

Confirm, close or dismiss a loan

loans.set_statuswrite tokenidempotent

Confirm a loan found from the bank (which starts its standing order), close one that is paid off, or dismiss one that is not yours. A dismissed loan posts nothing and is no longer listed; it is kept so the next sync does not suggest it again.

Parameters

loan_id integer · path · required
X-Organization-Id string \| null · header

Body · LoanStatusChange

escrow_account_id integer \| null
escrow_amount string \| null	Pattern: `^\d{1,12}(\.\d{1,2})?$`.
payment_account_id integer \| null
payment_amount string \| null	Pattern: `^\d{1,12}(\.\d{1,2})?$`.
status string · required	One of `confirmed`, `dismissed`, `closed`.

Returns 200 · LoanDetail

accrual_mode string · required	`amortizing`: a level payment posts each period and splits into interest and principal. `accrue_only`: interest accrues to a payable, no payments are modelled. `statement`: the servicer reports the interest and the ledger never computes it.
annual_rate string \| null · required	Annual interest rate in percent, as a decimal string: `"6.125"`.
balance Money · required	What is owed today: the liability account's balance, positive while owed.
day_count string · required	How a period's interest counts days: `act365`, `act360`, `thirty360`.
escrow_account_id integer \| null · required	The account the escrow share of a payment goes to.
escrow_amount Money \| null · required	The escrow share of each payment.
id integer · required
interest_account_id integer \| null · required	The expense account interest posts to.
kind string · required	One of `mortgage`, `auto`, `student`, `personal`, `heloc`, `credit_card`, `other`.
liability_account_id integer · required	The liability account that holds the balance.
maturity_date date \| null · required
name string · required
original_principal Money \| null · required
origination_date date \| null · required
payable_account_id integer \| null · required	The liability accrued interest posts to (`accrue_only` loans).
payment_account_id integer \| null · required	The account payments leave from.
payment_amount Money \| null · required	The regular payment, escrow included.
payment_cadence string · required	One of `weekly`, `monthly`, `quarterly`, `annually`.
payment_day integer \| null · required	Day of the month payments fall on, 1–28, or -1 for the month's last day.
projection LoanProjection \| null · required	Null when the terms cannot be projected (not amortizing, or no payment or rate).
rate_type string · required	`fixed` or `variable`.
schedule array of LoanPeriod · required	Every remaining period until payoff, capped at 600. Empty when there is no projection.
scheduled_entry_id integer \| null · required	The standing order that posts the loan's interest and payments, when it has one.
source string · required	`manual`, `inferred` (from the bank) or `assistant`.
status string · required	`suggested` (inferred from the bank, awaiting a verdict), `confirmed`, `closed` or `dismissed`. Only confirmed loans post and count in plans.
term_months integer \| null · required

Example

curl -X POST "https://api.lumaledger.app/v1/loans/{loan_id}/status" \
  -H "Authorization: Bearer $LUMALEDGER_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "status": "…"
  }'

get/v1/loans/payoff-plan

Plan paying off every debt

loans.payoff_planread tokenidempotent

Simulate paying off every confirmed debt month by month, two ways: avalanche (the highest rate first, cheapest in interest) and snowball (the smallest balance first). Both roll a finished debt's payment into the next one, and both are compared with the baseline of paying each debt's regular payment and nothing more. The arithmetic is monthly, so dates are to the month.

Parameters

extra string · query	Extra put towards debt each month on top of the regular payments, as a decimal string (`"250.00"`). At most 1000000.
X-Organization-Id string \| null · header

Returns 200 · PayoffPlan

baseline PayoffBaseline · required
debts array of PayoffDebt · required
extra_monthly Money · required	The extra put towards debt each month, as asked.
skipped array of PayoffSkipped · required
strategies array of PayoffStrategy · required
total_balance Money · required
total_monthly_payment Money · required

Example

curl -X GET "https://api.lumaledger.app/v1/loans/payoff-plan" \
  -H "Authorization: Bearer $LUMALEDGER_TOKEN"

Objects

Loan

A debt with terms: a mortgage, auto, student or personal loan, a HELOC or a card.

Fields

accrual_mode string · required	`amortizing`: a level payment posts each period and splits into interest and principal. `accrue_only`: interest accrues to a payable, no payments are modelled. `statement`: the servicer reports the interest and the ledger never computes it.
annual_rate string \| null · required	Annual interest rate in percent, as a decimal string: `"6.125"`.
balance Money · required	What is owed today: the liability account's balance, positive while owed.
day_count string · required	How a period's interest counts days: `act365`, `act360`, `thirty360`.
escrow_account_id integer \| null · required	The account the escrow share of a payment goes to.
escrow_amount Money \| null · required	The escrow share of each payment.
id integer · required
interest_account_id integer \| null · required	The expense account interest posts to.
kind string · required	One of `mortgage`, `auto`, `student`, `personal`, `heloc`, `credit_card`, `other`.
liability_account_id integer · required	The liability account that holds the balance.
maturity_date date \| null · required
name string · required
original_principal Money \| null · required
origination_date date \| null · required
payable_account_id integer \| null · required	The liability accrued interest posts to (`accrue_only` loans).
payment_account_id integer \| null · required	The account payments leave from.
payment_amount Money \| null · required	The regular payment, escrow included.
payment_cadence string · required	One of `weekly`, `monthly`, `quarterly`, `annually`.
payment_day integer \| null · required	Day of the month payments fall on, 1–28, or -1 for the month's last day.
projection LoanProjection \| null · required	Null when the terms cannot be projected (not amortizing, or no payment or rate).
rate_type string · required	`fixed` or `variable`.
scheduled_entry_id integer \| null · required	The standing order that posts the loan's interest and payments, when it has one.
source string · required	`manual`, `inferred` (from the bank) or `assistant`.
status string · required	`suggested` (inferred from the bank, awaiting a verdict), `confirmed`, `closed` or `dismissed`. Only confirmed loans post and count in plans.
term_months integer \| null · required

LoanCreate

A loan's terms. Which fields matter depends on accrual_mode: an amortizing loan needs annual_rate and payment_amount; an accrue-only one needs annual_rate and a payable_account_id.

Fields

accrual_mode string · required	One of `accrue_only`, `amortizing`, `statement`.
annual_rate string \| null	Annual rate in percent, as a decimal string: `"6.125"`. 0–200. Pattern: `^\d{1,3}(\.\d{1,4})?$`.
day_count string	One of `act365`, `act360`, `thirty360`. Default: `"act365"`.
escrow_account_id integer \| null	Where the escrow share goes.
escrow_amount string \| null	Pattern: `^\d{1,12}(\.\d{1,2})?$`.
interest_account_id integer \| null	Expense account for interest.
kind string · required	One of `mortgage`, `auto`, `student`, `personal`, `heloc`, `credit_card`, `other`.
liability_account_id integer · required	The liability account that holds the balance (see `accounts.list`). One loan per account.
maturity_date date \| null
name string · required
original_principal string \| null	Pattern: `^\d{1,12}(\.\d{1,2})?$`.
origination_date date \| null
payable_account_id integer \| null	Liability for accrued interest (`accrue_only`). Must not be the loan's own account.
payment_account_id integer \| null	The account payments leave from.
payment_amount string \| null	The regular payment, escrow included. Pattern: `^\d{1,12}(\.\d{1,2})?$`.
payment_cadence string	One of `weekly`, `monthly`, `quarterly`, `annually`. Default: `"monthly"`.
payment_day integer \| null	1–28, or -1 for the month's last day.
rate_type string	`fixed` or `variable`. Default: `"fixed"`.
term_months integer \| null	1–1200.

LoanDetail

A loan with its full amortization table from today.

Fields

accrual_mode string · required	`amortizing`: a level payment posts each period and splits into interest and principal. `accrue_only`: interest accrues to a payable, no payments are modelled. `statement`: the servicer reports the interest and the ledger never computes it.
annual_rate string \| null · required	Annual interest rate in percent, as a decimal string: `"6.125"`.
balance Money · required	What is owed today: the liability account's balance, positive while owed.
day_count string · required	How a period's interest counts days: `act365`, `act360`, `thirty360`.
escrow_account_id integer \| null · required	The account the escrow share of a payment goes to.
escrow_amount Money \| null · required	The escrow share of each payment.
id integer · required
interest_account_id integer \| null · required	The expense account interest posts to.
kind string · required	One of `mortgage`, `auto`, `student`, `personal`, `heloc`, `credit_card`, `other`.
liability_account_id integer · required	The liability account that holds the balance.
maturity_date date \| null · required
name string · required
original_principal Money \| null · required
origination_date date \| null · required
payable_account_id integer \| null · required	The liability accrued interest posts to (`accrue_only` loans).
payment_account_id integer \| null · required	The account payments leave from.
payment_amount Money \| null · required	The regular payment, escrow included.
payment_cadence string · required	One of `weekly`, `monthly`, `quarterly`, `annually`.
payment_day integer \| null · required	Day of the month payments fall on, 1–28, or -1 for the month's last day.
projection LoanProjection \| null · required	Null when the terms cannot be projected (not amortizing, or no payment or rate).
rate_type string · required	`fixed` or `variable`.
schedule array of LoanPeriod · required	Every remaining period until payoff, capped at 600. Empty when there is no projection.
scheduled_entry_id integer \| null · required	The standing order that posts the loan's interest and payments, when it has one.
source string · required	`manual`, `inferred` (from the bank) or `assistant`.
status string · required	`suggested` (inferred from the bank, awaiting a verdict), `confirmed`, `closed` or `dismissed`. Only confirmed loans post and count in plans.
term_months integer \| null · required

LoanList

A page of loans, in id order. Dismissed loans are not listed.

Fields

data array of Loan · required
has_more boolean · required
next_cursor string \| null · required

LoanPeriod

One payment period of the amortization table.

Fields

balance_after Money · required
escrow Money · required
interest Money · required
period_end date · required
principal Money · required

LoanProjection

What the terms imply from today's balance. Recomputed on every read.

Fields

never_pays_off boolean · required	The payment does not cover the interest, so the balance would grow forever.
payoff_date date \| null · required	The period the balance reaches zero. Null when it never does.
periods_remaining integer · required
total_interest Money · required	Interest still to pay from today until payoff.

LoanStatusChange

Confirming an inferred loan is also where the accounts the bank cannot know are supplied: where the payment leaves from and where escrow goes.

Fields

escrow_account_id integer \| null
escrow_amount string \| null	Pattern: `^\d{1,12}(\.\d{1,2})?$`.
payment_account_id integer \| null
payment_amount string \| null	Pattern: `^\d{1,12}(\.\d{1,2})?$`.
status string · required	One of `confirmed`, `dismissed`, `closed`.

LoanUpdate

Only the fields sent change. A nullable field sent as null is cleared.

Fields

accrual_mode string	One of `accrue_only`, `amortizing`, `statement`.
annual_rate string \| null	Pattern: `^\d{1,3}(\.\d{1,4})?$`.
day_count string	One of `act365`, `act360`, `thirty360`.
escrow_account_id integer \| null
escrow_amount string \| null	Pattern: `^\d{1,12}(\.\d{1,2})?$`.
interest_account_id integer \| null
kind string	One of `mortgage`, `auto`, `student`, `personal`, `heloc`, `credit_card`, `other`.
liability_account_id integer
maturity_date date \| null
name string
original_principal string \| null	Pattern: `^\d{1,12}(\.\d{1,2})?$`.
origination_date date \| null
payable_account_id integer \| null
payment_account_id integer \| null
payment_amount string \| null	Pattern: `^\d{1,12}(\.\d{1,2})?$`.
payment_cadence string	One of `weekly`, `monthly`, `quarterly`, `annually`.
payment_day integer \| null
rate_type string	`fixed` or `variable`.
term_months integer \| null	1–1200.

Money

An amount and its currency. `amount` is a base-10 string with two decimal places and an optional leading minus sign. Parse it with a decimal type, not a float.

Fields

amount string · required	Pattern: `^-?\d+\.\d{2}$`.
currency string · required	ISO 4217 code. Pattern: `^[A-Z]{3}$`.

PayoffBaseline

Each debt paid at its regular payment, with nothing extra and no freed-up payment rolled into the next: what happens with no plan.

Fields

debt_free_date date \| null · required
months integer \| null · required
total_interest Money · required

PayoffDebt

Fields

annual_rate string · required	Annual interest rate in percent, as a decimal string.
balance Money · required
kind string · required
loan_id integer · required
monthly_payment Money · required	What goes to this debt each month today, escrow excluded.
name string · required
payment_estimated boolean · required	No payment is on file, so the usual card minimum was assumed.

PayoffPlan

Which debt to pay first and what the order is worth, across every confirmed loan still owed.

Fields

baseline PayoffBaseline · required
debts array of PayoffDebt · required
extra_monthly Money · required	The extra put towards debt each month, as asked.
skipped array of PayoffSkipped · required
strategies array of PayoffStrategy · required
total_balance Money · required
total_monthly_payment Money · required

PayoffSkipped

Fields

loan_id integer · required
name string · required
reason string · required	Why it was left out: `no_rate` (no interest rate on file).

PayoffStep

Fields

interest Money · required	Interest paid on this debt until then.
loan_id integer · required
months integer · required
name string · required
payoff_date date · required	First of the month this debt reaches zero.

PayoffStrategy

Fields

debt_free_date date \| null · required	Null when the payments never clear the interest.
interest_saved Money · required	Against the baseline. Never negative.
months integer \| null · required
months_saved integer · required
steps array of PayoffStep · required	The debts in the order they are paid off.
strategy string · required	`avalanche` (highest rate first) or `snowball` (smallest balance first).
total_interest Money · required