{"uid":"cap_GLQSvjsXeOhZ1zb-LB7Wv","slug":"loan-mortgage-calculator-396526ea","name":"Loan & Mortgage Calculator","description":"Amortizing loan or mortgage: periodic payment, total interest, payoff date, effect of extra payments and a yearly or full payment schedule. Any payment frequency.","url":"https://bess-x402.onrender.com/v1/finance/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":{"type":"string","const":"http"},"method":{"enum":["GET","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","required":["principal","annual_rate_pct","years"],"properties":{"years":{"type":"number","description":"Term in years"},"schedule":{"type":"string","description":"none, yearly or full"},"principal":{"type":"number","description":"Amount borrowed"},"start_date":{"type":"string","description":"First period YYYY-MM-DD"},"extra_payment":{"type":"number","description":"Extra principal paid each period"},"annual_rate_pct":{"type":"number","description":"Annual interest rate in %"},"payments_per_year":{"type":"integer","description":"1, 2, 4, 12, 24, 26 or 52"}}}},"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":"$0.002/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.002","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.002","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_S0c-DssMqac6MekByDGEj","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.002","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates periodic payment, total interest, payoff date, and amortization schedule for any loan or mortgage, including the effect of extra principal payments.","exampleAgentPrompt":"Can you calculate my monthly mortgage payment on a $350,000 loan at 6.75% annual interest over 30 years starting 2025-08-01, and show me the full yearly amortization schedule with an extra $150 payment each month?","exampleUseCases":[{"title":"Home mortgage payment planning","prompt":"I'm taking out a $450,000 mortgage at 6.25% for 30 years starting 2025-09-01 — what will my monthly payment be and how much total interest will I pay? Show me a yearly payment schedule."},{"title":"Savings from extra payments","prompt":"If I have a $250,000 personal loan at 8% over 10 years with monthly payments, how much sooner will I pay it off and how much interest will I save if I throw an extra $300 at the principal every month?"},{"title":"Biweekly payment schedule","prompt":"What would my biweekly payments be on a $180,000 car loan at 5.5% over 5 years starting 2025-07-15, and can you show me the full amortization schedule?"}],"resultDescription":"Returns the periodic payment amount, total interest paid over the life of the loan, payoff date, and optionally a yearly or full per-period amortization schedule showing principal, interest, and remaining balance for each period. Also reflects the impact of any extra principal payments on payoff date and interest savings.","failureModes":["Missing required parameters (principal, annual_rate_pct, years) returns a 400 error","Invalid payments_per_year value (not in 1,2,4,12,24,26,52) may return an error or unexpected result","Negative or zero principal or rate values may cause computation errors","Invalid start_date format (not YYYY-MM-DD) returns a parsing error","Service unavailable on Render cold-start may cause timeout"],"whenToPreferThis":"Choose this endpoint when you need a complete amortization breakdown — including extra payment impact, flexible payment frequency (weekly, biweekly, monthly, etc.), payoff date, and full or yearly schedules — rather than a simple one-off payment estimate. Ideal for mortgage planning, personal loan analysis, and any scenario requiring detailed repayment projections.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-30T12:33:53.877Z","isFirstParty":false,"canonicalSlug":"loan-mortgage-calculator-396526ea"}