{"uid":"cap_8QMT_dtbhnPCgDusbum-O","slug":"2s-loan-amortization-calculator-e9cbe7e1","name":"2s Loan Amortization Calculator","description":"Compute a loan or mortgage amortization schedule. Pass principal, annualRatePct (e.g. 6.5), and the term as termMonths or termYears; optional extraMonthly adds extra principal each month (shortening the term). Returns the fixed monthly payment, total interest, total paid, the actual payoff month count, and the full month-by-month schedule (each row: payment, principal, interest, remaining balance). Handles the 0% case and trims the final payment exactly. Deterministic — the ground-truth answer for a loan/mortgage/auto-finance question instead of an LLM approximating compound interest. No external calls.","url":"https://2s.io/api/finance/amortize?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","queryParams"],"properties":{"type":{"const":"http"},"method":{"const":"GET"},"queryParams":{"required":["principal","annualRatePct"],"properties":{"principal":{"type":"number","description":"Loan principal (> 0)."},"termYears":{"type":"number","description":"Term in years (converted to months)."},"termMonths":{"type":"integer","description":"Term in months (1..1200). Provide this or termYears."},"extraMonthly":{"type":"number","description":"Optional extra principal each month (>= 0)."},"annualRatePct":{"type":"number","description":"Annual nominal interest rate as a percent (0..100)."}}}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.001","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"settled","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":"0.0025","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.0025","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_chJQYYwsNGXFAOdV1nDZH","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.0025","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Computes a full amortization schedule for a loan, including monthly payments, interest, principal breakdown, and payoff timeline","exampleAgentPrompt":"Can you show me the full amortization schedule for a $300,000 loan at 6.5% annual interest over 30 years, with an extra $200 in principal each month?","exampleUseCases":null,"resultDescription":"Returns a complete amortization schedule array (one row per month with month number, remaining balance, total payment, interest portion, and principal portion), plus summary figures: monthly payment, total paid, total interest, term in months, and actual payoff month count. Also includes source/license metadata.","failureModes":["Missing required parameter 'principal' or 'annualRatePct' returns a validation error","termMonths out of range (>1200 or <1) returns an error","principal <= 0 returns a validation error","annualRatePct outside 0–100 returns an error","Neither termYears nor termMonths provided may result in a default or error depending on server behavior"],"whenToPreferThis":"Use this endpoint when you need a detailed, month-by-month loan amortization schedule computed on demand, especially when the user wants to see principal/interest breakdowns, total interest cost, or the effect of extra monthly payments. Prefer this over a simple monthly-payment calculator when the full schedule or payoff analysis is needed. No signup or API key required — pay-per-call via USDC.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-12T18:47:21.220Z","isFirstParty":false,"canonicalSlug":"2s-loan-amortization-calculator-e9cbe7e1"}