curl --request POST \
  --url https://api.iotools.cloud/v1/tool/debt-to-equity-ratio-calculator \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "totalLiabilities": "500000",
  "totalEquity": "400000",
  "currency": "USD"
}
'

{
  "tool": "debt-to-equity-ratio-calculator",
  "tool_version": "1.0.1",
  "outputs": {
    "summary": [
      {
        "metric": "Total Liabilities",
        "value": "$500,000.00"
      },
      {
        "metric": "Total Shareholders' Equity",
        "value": "$400,000.00"
      },
      {
        "metric": "Debt-to-Equity Ratio",
        "value": "1.25"
      },
      {
        "metric": "Debt Ratio (Liabilities ÷ Total Capital)",
        "value": "55.6%"
      },
      {
        "metric": "Equity Ratio (Equity ÷ Total Capital)",
        "value": "44.4%"
      },
      {
        "metric": "Leverage Rating",
        "value": "Elevated"
      }
    ],
    "benchmarks": [
      {
        "industry": "Technology / Software",
        "typical-d-e-range": "0.00 – 0.50",
        "your-ratio": "Above range"
      },
      {
        "industry": "Retail",
        "typical-d-e-range": "0.50 – 1.50",
        "your-ratio": "Within range"
      },
      {
        "industry": "Manufacturing",
        "typical-d-e-range": "1.00 – 2.00",
        "your-ratio": "Within range"
      },
      {
        "industry": "Real Estate",
        "typical-d-e-range": "1.50 – 3.00",
        "your-ratio": "Below range"
      },
      {
        "industry": "Utilities",
        "typical-d-e-range": "1.50 – 3.00",
        "your-ratio": "Below range"
      }
    ]
  },
  "credits_used": 3,
  "credits_remaining": null
}