{"uid":"cap_71Fe35fWBGLuPOKXv-p3o","slug":"agenttools-loan-payment-calculator-456d67d4","name":"AgentTools Loan Payment Calculator","description":"Calculate the fixed monthly payment for a loan from its principal, annual interest rate and term in years, plus total repaid and total interest (annuity formula). Use this when an agent needs to monthly payment, total cost and interest for any loan.","url":"https://agentstoolshub.com/api/v1/calculators/loan-payment-calculator?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET"],"type":"string"},"queryParams":{"type":"object","required":["principal","annualRate","years"],"properties":{"years":{"type":"number","description":"Term (years)"},"principal":{"type":"number","description":"Loan amount"},"annualRate":{"type":"number","description":"Annual rate %"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object"}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.003","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":"$0.003/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.003","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.003","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_kP1ap6ROCivwcBN1pkyed","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.003","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates the fixed monthly payment, total repaid, and total interest for a loan using the annuity formula given principal, annual interest rate, and term in years.","exampleAgentPrompt":"What will my monthly payment be on a $250,000 mortgage at 6.5% annual interest over 30 years, and how much total interest will I end up paying?","exampleUseCases":[{"title":"Monthly mortgage payment estimate","prompt":"I'm looking at a $400,000 home loan at 5.8% annual interest over 25 years — what will my monthly payment be and how much will I pay back in total?"},{"title":"Car loan affordability check","prompt":"Can you calculate the monthly payment on a $22,000 car loan at 7.9% interest over 4 years, and tell me the total interest I'd pay?"},{"title":"Personal loan total cost breakdown","prompt":"I'm considering a $10,000 personal loan at 12% annual rate over 3 years — what's my fixed monthly payment and how much will it cost me overall?"}],"resultDescription":"Returns the fixed monthly payment amount (annuity formula), the total amount repaid over the full loan term, and the total interest paid — all computed from the supplied principal, annual interest rate percentage, and term in years.","failureModes":["Missing required query parameters (principal, annualRate, or years) returns a 400 error","Non-numeric or negative values for principal, rate, or years may return a validation error","An annual rate of 0% may cause division-by-zero handling differences — check response","Very large principal or term values may produce unrealistic results without validation","Payment gateway failure (x402) may prevent the call from completing if USDC balance is insufficient"],"whenToPreferThis":"Choose this endpoint when an agent needs a quick, accurate annuity-based loan payment calculation without setting up a financial library. Ideal for personal finance assistants, mortgage advisors, or any workflow that needs monthly payment, total repayment, and interest breakdown from three simple inputs. Prefer over generic calculators when you want a hosted, pay-per-call API with no setup.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-12T12:50:13.068Z","isFirstParty":false,"canonicalSlug":"agenttools-loan-payment-calculator-456d67d4"}