{"uid":"cap_F0SQCS_w_LiVxipmEbp4J","slug":"moneytools-loan-mortgage-amortization-calculator-6e1ada2e","name":"MoneyTools Loan & Mortgage Amortization Calculator","description":"Loan / mortgage amortization: Monthly payment, total interest and schedule for annuity (本息平均攤還) or equal-principal (本金平均攤還) loans. Free tier 10/day; then $0.001 via x402 (HTTP 402 + PAYMENT-REQUIRED) or X-API-Key credits. Not charged on failure. $0.001 USDC per call via x402 on Base. Run by MoneyTools.","url":"https://tools.moneytools.dev/v1/loan?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"const":"http"},"method":{"const":"GET"},"queryParams":{"type":"object","required":["principal","annualRate","months"],"properties":{"method":{"type":"string","examples":["annuity"],"description":"annuity | equal-principal"},"months":{"type":"number","examples":["360"],"description":"term in months"},"principal":{"type":"number","examples":["10000000"],"description":"loan amount"},"annualRate":{"type":"number","examples":["2.2"],"description":"annual rate %"}}}}},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string","const":"json"},"example":{"type":"object","properties":{"payment":{"type":"object","properties":{"charged":{"type":"boolean"},"network":{"type":"string"},"amountUsd":{"type":"string"},"transaction":{"type":["string","null"]}}},"freeTier":{"type":"object"},"_moneytools":{"type":"object","description":"optional plan / partner hints"}},"description":"Tool-specific JSON result (see llms.txt / openapi.json). Always includes payment info.","additionalProperties":true}}}}},"responseSchema":{"type":"json"},"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_zIXbGGvVhIJiDcBQ6UhCT","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":"Calculates monthly payment, total interest, and full amortization schedule for annuity (equal-payment) or equal-principal loans","exampleAgentPrompt":"Can you calculate the monthly payment and full amortization schedule for a 10,000,000 TWD annuity mortgage at 2.2% annual interest over 30 years (360 months)?","exampleUseCases":[{"title":"Home mortgage monthly payment estimate","prompt":"I'm buying a house and taking out a 5,000,000 TWD mortgage at 1.8% annual interest for 20 years — can you tell me my monthly payment and how much total interest I'll pay using the annuity method?"},{"title":"Equal-principal loan cost comparison","prompt":"Calculate an equal-principal repayment schedule for a 2,000,000 TWD loan at 3.5% annual interest over 60 months — I want to see how each month's payment changes over time."},{"title":"Business loan total cost projection","prompt":"My company is taking out a 50,000,000 TWD annuity loan at 2.5% annual rate for 7 years (84 months) — give me the full amortization schedule so I can see the total interest cost."}],"resultDescription":"Returns a JSON object containing the computed monthly payment amount, total interest over the loan term, and a full period-by-period amortization schedule showing principal and interest portions. Also includes payment metadata indicating whether the free tier was used or a $0.001 USDC charge was applied via x402 on Base.","failureModes":["Missing required parameters (principal, annualRate, months) returns an error without charge","Invalid or negative numeric values may return a validation error","Rate limit exceeded on free tier (10/day) triggers HTTP 402 requiring x402 payment or API key","Network or server errors return non-200 status without charging the caller"],"whenToPreferThis":"Choose this endpoint when you need precise, structured loan amortization data including a full payment-by-payment schedule, particularly for Taiwan-focused financial contexts or when you want both annuity and equal-principal methods available. It is micro-priced at $0.001 USDC per call after a free daily tier, making it suitable for lightweight agent workflows that need on-demand mortgage math without integrating a full financial library.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-11-05T12:43:41.272Z","isFirstParty":false,"canonicalSlug":"moneytools-loan-mortgage-amortization-calculator-6e1ada2e"}