{"uid":"cap_14qBpY3PUONoG8qQ9pBF3","slug":"loan-amortization-calculator-6446f79a","name":"Loan Amortization Calculator","description":"Compute the level monthly payment, total paid and total interest of a fully-amortizing loan. Handles a 0% rate. Set schedule=true to also return the full month-by-month amortization table.","url":"https://finance.openverbs.com/v1/loan","method":"POST","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method","bodyType","body"],"properties":{"body":{"type":"object","required":["principal","annualRatePercent","termMonths"],"properties":{"schedule":{"type":"boolean","description":"Include the full amortization schedule. Default false."},"principal":{"type":"number","maximum":1000000000000000,"description":"Loan principal (amount borrowed).","exclusiveMinimum":0},"termMonths":{"type":"integer","maximum":1200,"minimum":1,"description":"Loan term in months."},"annualRatePercent":{"type":"number","maximum":1000,"minimum":0,"description":"Annual interest rate as a percentage, e.g. 5 for 5%."}},"additionalProperties":false},"type":{"type":"string","const":"http"},"method":{"enum":["POST"],"type":"string"},"bodyType":{"enum":["json","form-data","text"],"type":"string"}},"additionalProperties":false}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.004","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.004/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.004","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.004","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_qVzT2F5JbkwR_gwTky4YB","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.004","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Computes the level monthly payment, total paid, total interest, and optionally the full month-by-month amortization schedule for a fully-amortizing loan.","exampleAgentPrompt":"Can you calculate the monthly payment, total paid, and total interest for a $350,000 mortgage at 6.75% annual interest over 360 months, and also give me the full month-by-month amortization schedule?","exampleUseCases":[{"title":"Monthly mortgage payment estimation","prompt":"I'm looking at a $450,000 home loan at 7.1% annual interest over 30 years — what will my monthly payment be and how much interest will I pay in total?"},{"title":"Car loan cost breakdown","prompt":"I want to finance a $28,000 car at 5.5% annual interest over 60 months. What's my monthly payment, and can you show me the full amortization schedule so I can see how the balance drops each month?"},{"title":"Zero-interest promotional loan check","prompt":"If I borrow $5,000 at 0% interest and pay it back over 24 months, what will my monthly payment be and how much do I pay in total?"}],"resultDescription":"Returns the level monthly payment amount, total amount paid over the life of the loan, and total interest paid. If schedule=true is set, also returns a full month-by-month amortization table showing payment number, interest portion, principal portion, and remaining balance for each period.","failureModes":["Missing required fields (principal, annualRatePercent, termMonths) returns a validation error","Principal of 0 or negative is rejected (exclusiveMinimum: 0)","termMonths outside 1–1200 range returns a validation error","annualRatePercent outside 0–1000 range returns a validation error","principal exceeding 1,000,000,000,000,000 returns a validation error","Payment failure or insufficient USDC balance (x402 protocol) blocks the request"],"whenToPreferThis":"Use this endpoint when you need to compute standard fully-amortizing loan metrics — monthly payment, total paid, and total interest — given a fixed principal, rate, and term. It correctly handles the 0% interest edge case and supports full amortization schedule output, making it ideal for mortgage, auto loan, personal loan, or any fixed-rate installment loan calculations. Prefer it over generic financial calculators when you need a structured, programmable result with optional per-period breakdown.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T00:40:01.608Z","isFirstParty":false}