{"uid":"cap_MI03XnY7Dp7jQmWeJTLI1","slug":"agenttools-loan-payment-calculator-f044332a","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://agenttools-hub.vercel.app/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":"0.002","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_HW5jZEb0PqNwjpRY0vi1o","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 the fixed monthly payment, total amount repaid, and total interest for a loan using the annuity formula given principal, annual interest rate, and term in years.","exampleAgentPrompt":"What would my monthly payment be on a $180,000 mortgage at 6.75% annual interest over 30 years, and how much total interest would I end up paying?","exampleUseCases":[{"title":"Monthly mortgage payment estimate","prompt":"I'm looking at a $350,000 home loan at 5.9% annual interest over 25 years — what's my fixed monthly payment and how much interest will I pay in total?"},{"title":"Car loan total cost breakdown","prompt":"If I take out a $28,000 car loan at 8.2% annual interest for 5 years, what will my monthly payment be and what's the total amount I'll repay?"},{"title":"Personal loan affordability check","prompt":"Can you calculate the monthly payment and total interest on a $15,000 personal loan at 12% annual rate over 3 years?"}],"resultDescription":"Returns the fixed monthly payment amount (annuity formula), the total amount repaid over the full loan term, and the total interest paid — all derived from the provided principal, annual interest rate, and loan term in years.","failureModes":["Missing required query parameters (principal, annualRate, or years) returns a validation error","Non-numeric or negative values for principal, annualRate, or years may return an error or unexpected result","A zero interest rate may be handled as a special case or return an error depending on implementation","Very large principal or unusual rate values could produce overflow or precision issues","Payment failure (x402) if USDC balance is insufficient for the $0.002 per-call fee"],"whenToPreferThis":"Use this endpoint when an agent needs to quickly compute fixed monthly loan payments, total repayment, and total interest using the standard annuity formula — particularly for mortgage, auto, personal, or student loan scenarios. Prefer this over manual calculation or general-purpose math endpoints when finance-specific structured output (monthly payment + total repaid + total interest) is needed in a single call.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-02T12:40:40.745Z","isFirstParty":false,"canonicalSlug":"agenttools-loan-payment-calculator-f044332a"}