Previous value: -"Annual interest rate for the consolidation loan, as a percentage, 0-36, e.g. 10.99. Required."New value: +"Annual interest rate for the consolidation loan, as a percentage, 0-36, e.g. 10.99. This is the loan's note interest rate, not the disclosed APR. The APR already reflects the origination fee, so entering it here counts the fee twice. Required."

Added value: +120

Added value: +100

Added value: +0

Added value: +120

Added value: +10

Added value: +0.01

Previous value: -"Credit cards to include, 1 to 20. Required: omitting the field answers contract_error MISSING_REQUIRED_FIELD, while an explicit JSON null answers parse_error (\"cards must be a JSON array.\"); the two are not the same rejection. segments and stop_spend_month are not supported by this tool and are rejected; a non-zero monthly_spend, annual_fee, or plan_fees_monthly is rejected too, but zero (including an explicit 0) is accepted and dropped for all three: this tool always reads the flat purchase_balance / cash_advance_balance fields on each card below, never segments[] balances, and card-level fees and ongoing spend are not modeled here. Those five fields are supported by calculate_cc_payoff and compare_strategies instead."New value: +"Credit cards to include, 1 to 20. Required: omitting the field answers contract_error MISSING_REQUIRED_FIELD, while an explicit JSON null answers parse_error (\"cards must be a JSON array.\"); the two are not the same rejection. segments and stop_spend_month are not supported by this tool and are rejected; a non-zero monthly_spend, annual_fee, or plan_fees_monthly is rejected too, but zero (including an explicit 0) is accepted and dropped for all three: this tool always reads the flat purchase_balance / cash_advance_balance fields on each card below, never segments[] balances, and card-level fees and ongoing spend are not modeled here. Those five fields are supported by calculate_cc_payoff and compare_payoff_strategies instead."

Added value: +120

Added value: +120

Added value: +[
+  "avalanche",
+  "snowball",
+  null
+]

Previous value: -[
-  "summary",
-  "inline"
-]New value: +[
+  "summary",
+  "inline",
+  null
+]

Previous value: -"string"New value: +[
+  "string",
+  "null"
+]

Added value: +120

Previous value: -"Extra monthly payment in dollars, $0 to $1,000,000,000, applied on top of the required minimums. Optional; defaults to 0 when omitted. fixed_payments is not a parameter of this tool, unlike calculate_cc_payoff: the keep-cards baseline is always simulated under the canonical constant rolled-forward payment (see comparison_basis in the response); supplying fixed_payments returns an unknown_parameter error."New value: +"Extra monthly payment in dollars, $0 to $1,000,000,000, applied on top of the required minimums for keep-cards and any balance transfer, and on top of the loan's own required payment for consolidation. Optional; defaults to 0 when omitted. fixed_payments is not a parameter of this tool, unlike calculate_cc_payoff: the keep-cards baseline is always simulated under the canonical constant rolled-forward payment (see comparison_basis in the response); supplying fixed_payments returns an unknown_parameter error."

Removed value: -null

Previous value: -"Response verbosity: 'summary' (default) | 'inline' | 'capture'. summary: compact response with a data_preview block; no heavy array exists on this response today, so summary and inline are currently identical in content. inline: full payload (currently identical to summary; will diverge once a heavy array is added for chart rendering). capture: full payload written to this server's local disk for the chart-render pipeline; capture_ref URI returned. Available on the local stdio transport only; the hosted HTTP transport rejects 'capture' with a structured error naming 'summary' and 'inline' as the valid alternatives. Optional; defaults to 'summary' when omitted."New value: +"Valid values: 'summary' (default), 'inline'. summary: compact response with a data_preview block; no heavy array exists on this response today, so summary and inline are currently identical in content. inline: full payload (currently identical to summary; will diverge once a heavy array is added for chart rendering)."

Added value: +[
+  "summary",
+  "inline"
+]

Previous value: -[
-  "string",
-  "null"
-]New value: +"string"

Previous value: -"One-time principal payments, at most 12, same shape as calculate_cc_payoff. Optional; a JSON null is treated as omitted, the same as leaving the field out. When non-empty, the response adds windfalls_applied[] and windfalls_unused[] on keep_cards, on each balance_transfer scenario (and on each offer in balance_transfer_offers.offers[]), on consolidation_loan (single-row per windfall since the loan is a single-balance instrument), and on optimized_consolidation.keep_subset. All scenarios use with-windfalls totals so cross-option ranking stays apples-to-apples."New value: +"One-time principal payments, at most 12, same shape as calculate_cc_payoff. Optional; a JSON null is treated as omitted, the same as leaving the field out. When non-empty, the response adds windfalls_applied[] and windfalls_unused[] on keep_cards, on each balance_transfer scenario (and on each offer in balance_transfer_offers.offers[]), on consolidation_loan (single-row per windfall since the loan is a single-balance instrument), and on optimized_consolidation.keep_subset. All scenarios use with-windfalls totals so cross-option ranking stays apples-to-apples, except what_if.same_budget_accelerated, a windfall-free hypothetical about extra-payment behavior, not your actual lump-sum schedule."

Added value: +{
+  "default": null,
+  "description": "Balance-transfer APR as a percentage, 0-100, e.g. 0 for a 0% promo. Required when include_balance_transfer is true and bt_offers is omitted. bt_offers, when supplied, overrides this and the other three bt_* scalars below. The 0-100 range applies only when include_balance_transfer is true and bt_offers is omitted; a non-number is rejected in every case.",
+  "type": [
+    "number",
+    "null"
+  ]
+}

Added value: +{
+  "default": null,
+  "description": "Balance-transfer fee as a percentage of the transferred balance, 0-10. Optional; defaults to 3.0 when omitted. bt_offers, when supplied, overrides this. The 0-10 range applies only when include_balance_transfer is true and bt_offers is omitted; a non-number is rejected in every case.",
+  "type": [
+    "number",
+    "null"
+  ]
+}

Added value: +{
+  "default": null,
+  "description": "Exact per-card transfer amounts. Required when bt_transfer_strategy is 'manual'; each entry's card_name must match a name in cards[]. Optional otherwise; a JSON null is treated as omitted, the same as leaving the field out.",
+  "items": {
+    "properties": {
+      "amount": {
+        "description": "Dollar amount to transfer from this card, greater than $0, up to $1,000,000,000. Required per entry.",
+        "type": [
+          "number",
+          "null"
+        ]
+      },
+      "card_name": {
+        "description": "Card name; must match a name in cards[]. Required per entry. Max 120 characters.",
+        "type": [
+          "string",
+          "null"
+        ]
+      }
+    },
+    "type": [
+      "object",
+      "null"
+    ]
+  },
+  "type": [
+    "array",
+    "null"
+  ]
+}

Added value: +{
+  "default": null,
+  "description": "Balance-transfer offers to compare head-to-head, 1 to 10, preferred over the four scalar bt_* fields above when comparing two or more offers: when supplied, bt_offers overrides bt_apr_pct, bt_promo_months, bt_regular_apr_pct, and bt_fee_pct, and their range checks are skipped. The response includes a balance_transfer_offers block with per-offer simulation results, selected_offer_index, selected_offer_label, selected_offer_reason, and all_offers_trap. Optional; a JSON null is rejected, unlike bt_manual_transfers and windfalls below, where a JSON null is treated as omitted.",
+  "items": {
+    "properties": {
+      "apr_pct": {
+        "description": "Offer APR as a percentage, 0-100, e.g. 0 for a 0% promo. Required per offer.",
+        "type": [
+          "number",
+          "null"
+        ]
+      },
+      "fee_pct": {
+        "description": "Balance-transfer fee for this offer, as a percentage of the transferred balance, 0-10. Optional; defaults to 3.0 when omitted.",
+        "type": [
+          "number",
+          "null"
+        ]
+      },
+      "label": {
+        "description": "Label for this offer. Optional; defaults to '<apr_pct>% / <promo_months>mo' when omitted. Max 120 characters.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "promo_months": {
+        "description": "This offer's promo period in months, 1-60. Optional; defaults to 18 when omitted.",
+        "type": [
+          "integer",
+          "null"
+        ]
+      },
+      "regular_apr_pct": {
+        "description": "APR that applies after this offer's promo period ends, as a percentage, 0-100. Optional; defaults to 25.20 when omitted.",
+        "type": [
+          "number",
+          "null"
+        ]
+      }
+    },
+    "type": [
+      "object",
+      "null"
+    ]
+  },
+  "type": [
+    "array",
+    "null"
+  ]
+}

Added value: +{
+  "default": null,
+  "description": "Balance-transfer promo period in months, 1-60. Optional; defaults to 18 when omitted. bt_offers, when supplied, overrides this. The 1-60 range applies only when include_balance_transfer is true and bt_offers is omitted; a non-number is rejected in every case.",
+  "type": [
+    "integer",
+    "null"
+  ]
+}

Added value: +{
+  "default": null,
+  "description": "APR that applies after the promo period ends, as a percentage, 0-100. Optional; defaults to 25.20 when omitted. bt_offers, when supplied, overrides this. The 0-100 range applies only when include_balance_transfer is true and bt_offers is omitted; a non-number is rejected in every case.",
+  "type": [
+    "number",
+    "null"
+  ]
+}

Added value: +{
+  "default": null,
+  "description": "Cap on the total dollar amount transferred to the balance-transfer card, at least $0.01. When set, only this amount moves to the BT card; remaining balances stay on original cards, and a combined simulation runs both halves together, correctly redistributing freed minimum payments. Optional; when omitted, the entire balance is transferred (legacy behavior). Needs include_balance_transfer or bt_offers.",
+  "type": [
+    "number",
+    "null"
+  ]
+}

Added value: +{
+  "default": null,
+  "description": "How to choose which balances move when bt_transfer_limit is less than your total debt: 'highest_apr_first' (transfer from highest-APR segments first, maximizes interest savings), 'highest_balance_first' (transfer largest balances first), or 'manual' (use bt_manual_transfers to specify exact amounts per card). Optional; defaults to 'highest_apr_first' when omitted. Needs bt_transfer_limit.",
+  "type": [
+    "string",
+    "null"
+  ]
+}

Added value: +{
+  "description": "Credit cards to include, 1 to 20. Required: omitting the field answers contract_error MISSING_REQUIRED_FIELD, while an explicit JSON null answers parse_error (\"cards must be a JSON array.\"); the two are not the same rejection. segments and stop_spend_month are not supported by this tool and are rejected; a non-zero monthly_spend, annual_fee, or plan_fees_monthly is rejected too, but zero (including an explicit 0) is accepted and dropped for all three: this tool always reads the flat purchase_balance / cash_advance_balance fields on each card below, never segments[] balances, and card-level fees and ongoing spend are not modeled here. Those five fields are supported by calculate_cc_payoff and compare_strategies instead.",
+  "items": {
+    "properties": {
+      "cash_advance_apr_pct": {
+        "description": "Cash advance APR as a percentage, greater than 0, up to 100. Required when cash_advance_balance is greater than 0.",
+        "type": [
+          "number",
+          "null"
+        ]
+      },
+      "cash_advance_balance": {
+        "description": "Cash advance balance in dollars, $0 to $1,000,000,000. Optional; defaults to 0 when omitted.",
+        "type": [
+          "number",
+          "null"
+        ]
+      },
+      "minimum_payment": {
+        "description": "Minimum payment in dollars, $0 to $1,000,000,000. Optional; 0 or omitted auto-calculates the bank minimum. Used as the locked floor for the constant keep-cards payment: each card pays max(your minimum, the bank minimum), held constant and rolled forward as cards clear.",
+        "type": [
+          "number",
+          "null"
+        ]
+      },
+      "name": {
+        "description": "Card label, e.g. 'Chase Sapphire'. Optional; a card without a name is auto-numbered ('Card 1', 'Card 2', ...). Max 120 characters.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "purchase_apr_pct": {
+        "description": "Purchase APR as a percentage, 0-100, e.g. 22.99. Required per card.",
+        "type": [
+          "number",
+          "null"
+        ]
+      },
+      "purchase_balance": {
+        "description": "Purchase balance in dollars, $0 to $1,000,000,000. Required per card.",
+        "type": [
+          "number",
+          "null"
+        ]
+      }
+    },
+    "type": "object"
+  },
+  "type": "array"
+}

Added value: +{
+  "default": null,
+  "description": "Override for the chart title. Optional; must not contain an em dash or en dash. Max 120 characters.",
+  "type": [
+    "string",
+    "null"
+  ]
+}

Added value: +{
+  "description": "Loan terms for the consolidation option. Required: omitting the field answers contract_error MISSING_REQUIRED_FIELD, while an explicit JSON null answers parse_error (\"consolidation_loan must be an object.\"); the two are not the same rejection.",
+  "properties": {
+    "annual_rate_pct": {
+      "description": "Annual interest rate for the consolidation loan, as a percentage, 0-36, e.g. 10.99. Required.",
+      "type": [
+        "number",
+        "null"
+      ]
+    },
+    "include_fee_in_principal": {
+      "description": "Whether the origination fee is rolled into the loan principal rather than paid upfront. Optional; defaults to true when omitted. A JSON null is rejected; omit the field instead of sending null.",
+      "type": [
+        "boolean",
+        "null"
+      ]
+    },
+    "origination_fee_flat": {
+      "description": "Flat-dollar origination fee, $0 to $10,000. Optional; defaults to 0 when omitted, and takes precedence over origination_fee_pct when it produces a larger fee. A JSON null is rejected; omit the field instead of sending null.",
+      "type": [
+        "number",
+        "null"
+      ]
+    },
+    "origination_fee_pct": {
+      "description": "Origination fee as a percentage of loan principal, 0-10. Optional; defaults to 0 when omitted. A JSON null is rejected, unlike every other optional field on this tool; omit the field instead of sending null.",
+      "type": [
+        "number",
+        "null"
+      ]
+    },
+    "term_months": {
+      "description": "Consolidation loan term in months, 12-84. Required.",
+      "type": [
+        "integer",
+        "null"
+      ]
+    }
+  },
+  "type": "object"
+}

Added value: +{
+  "default": null,
+  "description": "Your current payoff strategy, compared against the consolidation loan / balance-transfer alternative: 'avalanche' or 'snowball'. Optional; defaults to 'avalanche' when omitted. Case-sensitive.",
+  "type": [
+    "string",
+    "null"
+  ]
+}

Added value: +{
+  "default": null,
+  "description": "Extra monthly payment in dollars, $0 to $1,000,000,000, applied on top of the required minimums. Optional; defaults to 0 when omitted. fixed_payments is not a parameter of this tool, unlike calculate_cc_payoff: the keep-cards baseline is always simulated under the canonical constant rolled-forward payment (see comparison_basis in the response); supplying fixed_payments returns an unknown_parameter error.",
+  "type": [
+    "number",
+    "null"
+  ]
+}

Added value: +{
+  "default": null,
+  "description": "Whether to return the full month-by-month amortization schedule instead of the compact default. Optional; defaults to false when omitted.",
+  "type": [
+    "boolean",
+    "null"
+  ]
+}

Added value: +{
+  "default": null,
+  "description": "Whether to run a single-offer balance-transfer scenario using the four scalar bt_* fields below. Optional; defaults to false when omitted. Ignored once bt_offers is supplied; use bt_offers when comparing two or more offers.",
+  "type": [
+    "boolean",
+    "null"
+  ]
+}

Added value: +{
+  "default": null,
+  "description": "Response verbosity: 'summary' (default) | 'inline' | 'capture'. summary: compact response with a data_preview block; no heavy array exists on this response today, so summary and inline are currently identical in content. inline: full payload (currently identical to summary; will diverge once a heavy array is added for chart rendering). capture: full payload written to this server's local disk for the chart-render pipeline; capture_ref URI returned. Available on the local stdio transport only; the hosted HTTP transport rejects 'capture' with a structured error naming 'summary' and 'inline' as the valid alternatives. Optional; defaults to 'summary' when omitted.",
+  "type": [
+    "string",
+    "null"
+  ]
+}

Removed value: -{
-  "description": "JSON object with these parameters:\n\ncards (REQUIRED array, max 20):\n  - name: string (optional)\n  - purchase_balance: decimal >= 0 (REQUIRED)\n  - purchase_apr_pct: decimal 0-100 as percentage, e.g. 22.99 (REQUIRED)\n  - cash_advance_balance: decimal >= 0 (optional, default 0)\n  - cash_advance_apr_pct: decimal > 0, <= 100 (required if cash_advance_balance > 0)\n  - minimum_payment: decimal >= 0 (optional, 0 = auto-calculate). Used as the locked floor for the constant keep-cards payment: each card pays max(your minimum, the bank minimum), held constant and rolled forward as cards clear.\n  - segments: NOT SUPPORTED by this tool (rejected with a parse_error if supplied). This tool always reads the flat purchase_balance / cash_advance_balance fields above, never segments[] balances; supply those instead. segments[] input is supported by calculate_cc_payoff and compare_strategies.\n  - monthly_spend / stop_spend_month: NOT SUPPORTED by this tool (rejected with a validation error if supplied). Ongoing spend on cards a consolidation loan or transfer just paid off is not modeled by any arm here; supported by calculate_cc_payoff and compare_strategies.\n\nconsolidation_loan (REQUIRED object):\n  - annual_rate_pct: decimal 0-36 as percentage, e.g. 10.99 (REQUIRED)\n  - term_months: int 12-84 (REQUIRED)\n  - origination_fee_pct: decimal 0-10 (optional, default 0)\n  - origination_fee_flat: decimal (optional, default 0, takes precedence if > pct-based fee)\n  - include_fee_in_principal: bool (optional, default true)\n\nextra_monthly_payment: decimal >= 0 (optional, default 0)\ncurrent_strategy: 'avalanche' | 'snowball' (optional, default 'avalanche')\n(Note: fixed_payments is NOT a parameter of this tool, unlike calculate_cc_payoff. The keep-cards baseline is always simulated under the canonical constant rolled-forward payment, see comparison_basis in the response. Passing fixed_payments returns an unknown_parameter error.)\n\nBalance transfer, SINGLE OFFER (legacy, all optional):\ninclude_balance_transfer: bool (default false)\nbt_apr_pct: decimal 0-100 (required if include_balance_transfer: true, use 0 for 0% promo)\nbt_promo_months: int 1-60 (optional, default 18)\nbt_regular_apr_pct: decimal 0-100 (optional, default 25.20)\nbt_fee_pct: decimal 0-10 (optional, default 3.0)\n\nBalance transfer, MULTI-OFFER (preferred when comparing two or more offers):\nbt_offers: array of objects (max 10), when supplied, takes precedence over the scalar bt_* fields\n  Each object:\n  - apr_pct: decimal 0-100 (REQUIRED)\n  - promo_months: int 1-60 (optional, default 18)\n  - regular_apr_pct: decimal 0-100 (optional, default 25.20)\n  - fee_pct: decimal 0-10 (optional, default 3.0)\n  - label: string (optional, defaults to \"<apr_pct>% / <months>mo\")\nThe response includes a balance_transfer_offers block with per-offer simulation\nresults, selected_offer_index, selected_offer_label, selected_offer_reason, and all_offers_trap.\n\nPartial balance transfer (use when the BT offer has a transfer limit < your total debt):\nbt_transfer_limit: decimal >= 0.01 (optional), cap on total transferred amount.\n  When set, only this amount moves to the BT card; remaining balances stay on original cards.\n  A combined simulation runs both halves together, correctly redistributing freed minimum payments.\n  When omitted, the entire balance is transferred (legacy behavior).\nbt_transfer_strategy: 'highest_apr_first' | 'highest_balance_first' | 'manual' (optional, default 'highest_apr_first')\n  highest_apr_first: transfer from highest-APR segments first (maximizes interest savings)\n  highest_balance_first: transfer largest balances first\n  manual: use bt_manual_transfers to specify exact amounts per card\nbt_manual_transfers: array of objects (required when bt_transfer_strategy='manual')\n  Each object:\n  - card_name: string (must match a card name in cards[])\n  - amount: decimal > 0\n\nfull_schedule: bool (optional, default false, compact schedule by default)\n\nwindfalls: array of one-time principal payments (optional, default empty, max 12). Same shape as calculate_cc_payoff. Each item:\n  - month: int >= 0 (REQUIRED). 0 means applied before month 1's interest. N >= 1 applies at the END of calendar month N.\n  - amount: decimal > 0 (REQUIRED).\n  - label: string (optional). e.g. 'Tax refund', 'Year-end bonus'.\nWhen non-empty the response adds windfalls_applied[] and windfalls_unused[] on keep_cards, on each balance_transfer scenario (and on each offer in balance_transfer_offers.offers[]), on consolidation_loan (single-row per windfall since the loan is a single-balance instrument), and on optimized_consolidation.keep_subset. All scenarios use with-windfalls totals so cross-option ranking stays apples-to-apples.\n\nchart_title: string (optional) override for the chart title. Must not contain em-dashes or en-dashes. Max 120 characters.\n\nENVELOPE:\n  output: 'summary' (default) | 'inline' | 'capture'\n  summary: compact response with a data_preview block. No heavy array exists on this response today, so summary and inline are currently identical in content; the envelope is wired ahead of the future chart-render pipeline.\n  inline: full payload (currently identical to summary; will diverge once a heavy array is added for chart rendering).\n  capture: full payload written to ~/.senaro/captures/; capture_ref URI returned.\n    Available on the local stdio transport only; the hosted HTTP transport rejects 'capture'\n    with a structured error naming 'summary' and 'inline' as the valid alternatives."
-}

Added value: +{
+  "default": null,
+  "description": "One-time principal payments, at most 12, same shape as calculate_cc_payoff. Optional; a JSON null is treated as omitted, the same as leaving the field out. When non-empty, the response adds windfalls_applied[] and windfalls_unused[] on keep_cards, on each balance_transfer scenario (and on each offer in balance_transfer_offers.offers[]), on consolidation_loan (single-row per windfall since the loan is a single-balance instrument), and on optimized_consolidation.keep_subset. All scenarios use with-windfalls totals so cross-option ranking stays apples-to-apples.",
+  "items": {
+    "properties": {
+      "amount": {
+        "description": "Dollar amount of the windfall, greater than 0. Required per entry.",
+        "type": [
+          "number",
+          "null"
+        ]
+      },
+      "label": {
+        "description": "Optional label for this windfall, e.g. 'Tax refund' or 'Year-end bonus'. Max 120 characters.",
+        "type": [
+          "string",
+          "null"
+        ]
+      },
+      "month": {
+        "description": "Month index the windfall is applied, 0 or more. 0 means applied before month 1's interest; N >= 1 applies at the end of calendar month N. Required per entry.",
+        "type": [
+          "integer",
+          "null"
+        ]
+      }
+    },
+    "type": [
+      "object",
+      "null"
+    ]
+  },
+  "type": [
+    "array",
+    "null"
+  ]
+}

Previous value: -[
-  "toolArguments"
-]New value: +[
+  "cards",
+  "consolidation_loan"
+]