{"uid":"cap_4I_ST8tSVN2VyH5whdKbu","slug":"agent402-tools-financial-math-compound-loan-0b5fc9df","name":"agent402.tools Financial Math (Compound & Loan)","description":"Financial math. op: \"compound\" (future value of principal at a rate) or \"loan\" (monthly payment + total for a loan).","url":"https://agent402.tools/api/finance","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"op":{"type":"string","description":"compound | loan"},"years":{"type":"number"},"months":{"type":"number"},"principal":{"type":"number"},"annualRatePct":{"type":"number"},"compoundsPerYear":{"type":"number"}}},"responseSchema":{"type":"json","example":{"totalPaid":23199.36,"totalInterest":3199.36,"monthlyPayment":386.66}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.001","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":"$0.001/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.001","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.001","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_AyKPDUEhZjtMGk0svC_6Q","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.001","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Computes compound interest future value or monthly loan payment and total cost given principal, rate, and term.","exampleAgentPrompt":"What would my monthly payment and total repayment be on a $25,000 car loan at 6.9% annual interest over 5 years? Also, separately, if I invest $10,000 at 5% compounded monthly for 10 years, what's the future value?","exampleUseCases":null,"resultDescription":"For 'compound' op: returns the future value of the principal after the specified term at the given rate and compounding frequency. For 'loan' op: returns the monthly payment amount and the total cost of the loan over its full term.","failureModes":["Missing required fields (op, principal, annualRatePct, years/months) returns an error","Invalid op value (not 'compound' or 'loan') returns an error","Zero or negative principal or rate may produce unexpected results","Payment failure (x402) if USDC balance insufficient — returns 402 status"],"whenToPreferThis":"Use this endpoint when you need quick, accurate financial math for either compound interest projections or loan payment calculations without building your own formulas. Prefer it over general-purpose code execution when you need a reliable, paid-API-grade financial computation with structured output. Best for single-scenario calculations; use the sibling loan-comparison or amortization-schedule endpoints for multi-scenario or period-by-period breakdowns.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T00:50:08.471Z","isFirstParty":false}