curl --request POST \
  --url https://staging.debt-wise.com/api/users/{id}/payment_plans \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "strategy": "avalanche",
  "accounts": [
    1
  ],
  "extra_amount": 5000,
  "total_monthly_contribution": 20000
}
'

import requests

url = "https://staging.debt-wise.com/api/users/{id}/payment_plans"

payload = {
    "strategy": "avalanche",
    "accounts": [1],
    "extra_amount": 5000,
    "total_monthly_contribution": 20000
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    strategy: 'avalanche',
    accounts: [1],
    extra_amount: 5000,
    total_monthly_contribution: 20000
  })
};

fetch('https://staging.debt-wise.com/api/users/{id}/payment_plans', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://staging.debt-wise.com/api/users/{id}/payment_plans",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'strategy' => 'avalanche',
    'accounts' => [
        1
    ],
    'extra_amount' => 5000,
    'total_monthly_contribution' => 20000
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://staging.debt-wise.com/api/users/{id}/payment_plans"

	payload := strings.NewReader("{\n  \"strategy\": \"avalanche\",\n  \"accounts\": [\n    1\n  ],\n  \"extra_amount\": 5000,\n  \"total_monthly_contribution\": 20000\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://staging.debt-wise.com/api/users/{id}/payment_plans")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"strategy\": \"avalanche\",\n  \"accounts\": [\n    1\n  ],\n  \"extra_amount\": 5000,\n  \"total_monthly_contribution\": 20000\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://staging.debt-wise.com/api/users/{id}/payment_plans")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"strategy\": \"avalanche\",\n  \"accounts\": [\n    1\n  ],\n  \"extra_amount\": 5000,\n  \"total_monthly_contribution\": 20000\n}"

response = http.request(request)
puts response.read_body

{
  "id": 1,
  "total_monthly_contribution": 20000,
  "debt_free_date": "2045-01-23",
  "strategy": "avalanche",
  "extra_amount": 5000,
  "upcoming_payments": [
    {
      "id": 1,
      "amount": 10000,
      "status": "upcoming",
      "type": "priority",
      "payment_date": "2026-06-06",
      "account_id": 2,
      "estimated_balance": 4313500,
      "estimated_payoff_date": "2031-06-01"
    }
  ],
  "accounts": [
    1
  ]
}

{
  "error": {
    "code": "already_exist",
    "message": "Payment plan already exist"
  }
}

{
  "error": {
    "code": "internal_server_error",
    "message": "We've notified our engineers and hope to address this issue shortly."
  }
}