{"uid":"cap_YdEq6O_T5tufKWsvJKqeI","slug":"loan-amortization-calculator-431d3b4a","name":"Loan Amortization Calculator","description":"Amortized monthly payment, total interest, and a year-by-year balance schedule for any loan.","url":"https://x402toll.com/v1/lending/amortization","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"apr":{"type":"number"},"loanAmount":{"type":"number"},"termMonths":{"type":"number"}}},"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_S3LMRprlrKo0N6ErryF8I","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":"Computes monthly payment, total interest paid, and a year-by-year balance schedule for any loan given APR, amount, and term.","exampleAgentPrompt":"Can you work out the monthly payment and show me a year-by-year balance breakdown for a $250,000 loan at 6.5% APR over 360 months?","exampleUseCases":null,"resultDescription":"Returns the fixed monthly payment amount, total interest paid over the life of the loan, and a year-by-year schedule showing the remaining balance at the end of each year.","failureModes":["Missing required fields (apr, loanAmount, termMonths) returns a 400-level error","Invalid data types (e.g. string instead of number) cause validation failure","APR of 0 or negative values may produce undefined behavior","Term of 0 months is invalid and will fail","Payment gateway failure may return 402 if USDC payment is not processed"],"whenToPreferThis":"Use this endpoint when you need a complete amortization breakdown — monthly payment, total interest, and year-by-year balance — for any fixed-rate loan. Prefer this over generic financial calculators when you need structured, programmatic output suitable for downstream analysis or display.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T12:53:15.552Z","isFirstParty":false}