{"uid":"cap_3G6c1wqDZXGHP-Tyyrbdq","slug":"loan-amortization-schedule-calculator-3bcb4186","name":"Loan Amortization Schedule Calculator","description":"Computes a loan's amortization schedule and payment breakdown. Same backend as loan-amortization-calculator, focused on scheduled payment, payoff months, total paid, and interest saved. Use it as an amortization schedule API, loan payment schedule, or debt amortization calculator.","url":"https://x402.agentutility.ai/amortization-schedule","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":{"required":["principal","annual_rate"],"properties":{"principal":{"type":"number","description":"Initial loan principal."},"term_years":{"type":"number","description":"Alternative loan term in years when term_months is omitted."},"annual_rate":{"type":"number","description":"Annual interest rate as percent."},"term_months":{"type":"number","description":"Loan term in months."},"extra_monthly_payment":{"type":"number","description":"Optional extra monthly principal payment. Default 0."}}},"type":{"type":"string","const":"http"},"method":{"enum":["POST"],"type":"string"},"bodyType":{"enum":["json","form-data","text"],"type":"string"}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","properties":{"grade":{"type":"string"},"score":{"type":"number"},"source":{"type":"string"},"drivers":{"type":"array","items":{"type":"object","properties":{"name":{"type":"string"},"note":{"type":"string"},"score":{"type":"number"},"weight":{"type":"number"}}}},"metrics":{"type":"object","properties":{"payoff_months":{"type":"integer"},"total_interest":{"type":"number"},"total_monthly_payment":{"type":"number"}}},"warnings":{"type":"array"},"calculator":{"type":"string"},"recommendation":{"type":"string"}}}}}}},"responseSchema":{"type":"json","example":{"grade":"strong","score":74.2,"source":"deterministic in-process finance calculator; no upstream API","drivers":[{"name":"debt_service_coverage","note":"1.42x DSCR","score":83.6,"weight":0.3}],"metrics":{"payoff_months":300,"total_interest":476553.25,"total_monthly_payment":2988.51},"warnings":[],"calculator":"loan-amortization-calculator","recommendation":"Proceed with standard diligence and covenant checks."}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"registry","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":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_XagXHyL4h8HMlSN7l3akq","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":null,"unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Computes a full loan amortization schedule including monthly payment, payoff timeline, total interest paid, and interest savings from extra payments.","exampleAgentPrompt":"Can you calculate the amortization schedule for a $350,000 mortgage at 6.75% annual interest over 30 years, and also show me how much interest I'd save if I paid an extra $300 per month?","exampleUseCases":[{"title":"Mortgage affordability planning","prompt":"I'm looking at a $450,000 home with a 20% down payment, so a $360,000 mortgage at 7.1% over 30 years — what would my monthly payment be, how much total interest will I pay, and how does the loan grade out?"},{"title":"Early payoff impact analysis","prompt":"I have a $180,000 car and personal loan combined at 8.5% with 5 years left — if I throw an extra $400 a month at it, how many months sooner do I pay it off and how much interest do I save?"},{"title":"Business loan debt service coverage","prompt":"Can you run an amortization schedule on a $1,200,000 commercial loan at 6.25% over 20 years and tell me the DSCR score and whether the lender would likely approve it?"}],"resultDescription":"Returns a structured JSON with a loan grade (e.g. 'strong'), a numeric score (0-100), monthly payment amount, total months to payoff, total interest paid, DSCR driver details with scores and weights, any warnings, a recommendation string (e.g. 'Proceed with standard diligence'), and the calculator identifier. All figures are computed deterministically with no external API dependencies.","failureModes":["Missing required fields (principal or annual_rate) returns a validation error","Negative or zero principal/rate values may produce nonsensical results","Term not specified (no term_months or term_years) may default or error","Extremely large principal values could produce overflow edge cases","Malformed JSON body returns HTTP 400"],"whenToPreferThis":"Choose this endpoint when you need a detailed amortization breakdown — monthly payment, total interest, payoff timeline, and a graded risk/quality score — especially when evaluating loan affordability or impact of extra payments. Prefer it over generic calculators when you want a machine-readable score, DSCR analysis, and a recommendation string suitable for automated financial decision workflows. It pays per call via USDC, making it appropriate for agent-driven finance automation where auditability matters.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T07:07:22.175Z","isFirstParty":false}