{ "schemaVersion": 1, "studyId": "synthetic-debt-payoff-v1", "preparedOn": "2026-09-07", "engineVersion": "2026-09-06.1", "dataType": "synthetic-designed-scenarios-not-observations", "currency": "USD", "horizonMonths": 1200, "portfolios": [ { "id": "one-debt", "label": { "en": "One debt: ordering has no effect", "es": "Una deuda: el orden no cambia nada" }, "debts": [ { "name": "A", "balance": 5000, "apr": 22, "min": 200 } ] }, { "id": "small-lower-rate", "label": { "en": "Smaller debt has the lower rate", "es": "La deuda pequeña tiene menor tasa" }, "debts": [ { "name": "A", "balance": 1000, "apr": 8, "min": 35 }, { "name": "B", "balance": 9000, "apr": 24, "min": 225 } ] }, { "id": "small-higher-rate", "label": { "en": "Smaller debt has the higher rate", "es": "La deuda pequeña tiene mayor tasa" }, "debts": [ { "name": "A", "balance": 1000, "apr": 24, "min": 35 }, { "name": "B", "balance": 9000, "apr": 8, "min": 225 } ] }, { "id": "equal-rates", "label": { "en": "Two debts with equal rates", "es": "Dos deudas con la misma tasa" }, "debts": [ { "name": "A", "balance": 1000, "apr": 18, "min": 35 }, { "name": "B", "balance": 9000, "apr": 18, "min": 225 } ] } ], "extraPayments": [ 0, 100, 250 ], "results": [ { "portfolioId": "one-debt", "extra": 0, "method": "snowball", "status": "paid-off", "months": 34, "interest": 1749.9, "totalPaid": 6749.9, "initialBalance": 5000, "balance": 0, "monthlyBudget": 200, "schedule": [ { "month": 1, "opening": 5000, "interest": 91.67, "payment": 200, "balance": 4891.67, "debts": [ { "index": 0, "payment": 200, "interest": 91.67 } ] }, { "month": 2, "opening": 4891.67, "interest": 89.68, "payment": 200, "balance": 4781.35, "debts": [ { "index": 0, "payment": 200, "interest": 89.68 } ] }, { "month": 3, "opening": 4781.35, "interest": 87.66, "payment": 200, "balance": 4669.01, "debts": [ { "index": 0, "payment": 200, "interest": 87.66 } ] }, { "month": 4, "opening": 4669.01, "interest": 85.6, "payment": 200, "balance": 4554.61, "debts": [ 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