{"uid":"cap_9u4MPAYYBybSX_61OsjJl","slug":"x402toll-extra-payment-loan-calculator-9a552ee3","name":"x402toll Extra Payment Loan Calculator","description":"How much time and interest an extra monthly payment saves on a loan.","url":"https://x402toll.com/v1/lending/extra-payment","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"apr":{"type":"number"},"loanAmount":{"type":"number"},"termMonths":{"type":"number"},"extraMonthly":{"type":"number","default":0}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.05","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":"$0.05/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_mUyOrD-0MSV2c9TDPWds_","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.05","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates how much time and interest an extra monthly payment saves on a loan given APR, loan amount, term, and extra payment amount.","exampleAgentPrompt":"I have a $320,000 mortgage at 6.75% APR with 360 months left — if I pay an extra $300 per month, how much interest do I save and how many months earlier will I pay it off?","exampleUseCases":null,"resultDescription":"Returns the total interest saved, number of months (or years) cut from the loan term, and likely a comparison of total interest paid with vs. without the extra monthly payment, enabling the borrower to understand the concrete financial impact of overpaying their loan.","failureModes":["Missing required fields (apr, loanAmount, termMonths) returns a 400 validation error","Negative or zero loan amount or APR may return a 422 unprocessable entity","Extra payment exceeding loan balance may cause unexpected or edge-case results","Payment failure or insufficient USDC balance results in a 402 error before computation"],"whenToPreferThis":"Use this endpoint when you need a quick, cheap ($0.05) computation of extra-payment impact on a single loan — ideal for mortgage, auto, or personal loan scenarios where the user wants to understand interest savings and time-to-payoff reduction without building amortization logic themselves.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T12:49:03.601Z","isFirstParty":false}