{"uid":"cap_d3gQeVDUkAN4MYfzHJ1P9","slug":"signaldesk-ai-loan-amortization-calculator-86dde00b","name":"SignalDesk AI Loan Amortization Calculator","description":"Evidence-backed autonomous AI jobs and paid data tools. Queue/D1/cron run outside the chat; free quotas and bounded execution apply.","url":"https://x402-agent.kariguetoazul.workers.dev/api/finance/amortization?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"months":{"type":"integer","maximum":120,"minimum":1,"description":"Months; capped for bounded output."},"principal":{"type":"number","maximum":1000000000000,"minimum":0,"description":"Amount in one consistent currency; floating-point calculation, not an accounting ledger."},"annual_rate_percent":{"type":"number","maximum":1000,"minimum":0,"description":"Supplied percentage rate, not a fetched or recommended rate."}}},"responseSchema":{"type":"json","example":{"notice":"Calculation from supplied inputs only; no tax, investment or lending advice.","schedule":[{"month":1,"balance":1105.38145358599,"payment":106.6185464140101,"interest":12,"principal":94.61854641401005},{"month":2,"balance":1009.81672170784,"payment":106.6185464140101,"interest":11.0538145358599,"principal":95.56473187815016},{"month":3,"balance":913.2963425109081,"payment":106.6185464140101,"interest":10.0981672170784,"principal":96.52037919693166},{"month":4,"balance":815.8107595220071,"payment":106.6185464140101,"interest":9.13296342510908,"principal":97.48558298890097},{"month":5,"balance":717.3503207032171,"payment":106.6185464140101,"interest":8.15810759522007,"principal":98.46043881878998},{"month":6,"balance":617.9052774962393,"payment":106.6185464140101,"interest":7.173503207032171,"principal":99.44504320697789},{"month":7,"balance":517.4657838571916,"payment":106.6185464140101,"interest":6.179052774962392,"principal":100.4394936390477},{"month":8,"balance":416.0218952817535,"payment":106.6185464140101,"interest":5.174657838571916,"principal":101.4438885754381},{"month":9,"balance":313.5635678205609,"payment":106.6185464140101,"interest":4.160218952817535,"principal":102.4583274611925},{"month":10,"balance":210.0806570847565,"payment":106.61854641401,"interest":3.13563567820561,"principal":103.4829107358044},{"month":11,"balance":105.562917241594,"payment":106.6185464140101,"interest":2.100806570847565,"principal":104.5177398431625},{"month":12,"balance":0,"payment":106.6185464140099,"interest":1.05562917241594,"principal":105.562917241594}],"monthly_payment":106.6185464140101}},"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_ARd9tkFE4dHsft6bbRg0s","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":"Computes a full month-by-month loan amortization schedule from a principal, annual interest rate, and term in months","exampleAgentPrompt":"Can you give me a full amortization schedule for a $12,000 loan at 12% annual interest over 12 months — I want to see how much goes to principal and interest each month?","exampleUseCases":[{"title":"Monthly mortgage payment breakdown","prompt":"I'm taking out a $350,000 mortgage at 6.5% annual interest over 360 months — can you show me the full amortization schedule so I can see how my payments split between principal and interest each month?"},{"title":"Car loan repayment planning","prompt":"I'm financing a $25,000 car at 7.9% annual interest for 60 months. Can you compute the amortization table so I know my exact monthly payment and how the balance decreases over time?"},{"title":"Personal loan total interest check","prompt":"I'm considering a $10,000 personal loan at 15% annual rate for 36 months. Can you run an amortization schedule so I can see the total interest I'll end up paying?"}],"resultDescription":"Returns a JSON object with a fixed monthly_payment amount, a full schedule array (one entry per month) containing the month number, payment amount, interest portion, principal portion, and remaining balance, plus a disclaimer notice that this is a calculation only and not financial advice.","failureModes":["principal below 0 or above 1,000,000,000,000 returns validation error","months below 1 or above 120 returns validation error","annual_rate_percent above 1000 returns validation error","missing required fields returns 400 bad request","payment failure (x402) if USDC not provided or insufficient"],"whenToPreferThis":"Choose this endpoint when you need a deterministic, server-side amortization calculation with a full month-by-month schedule returned as structured JSON, especially in an agent workflow where the result will be parsed or displayed programmatically. Prefer this over manual calculation or spreadsheet tools when you want a reliable, bounded computation with consistent floating-point arithmetic up to 120 months.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-13T00:41:46.946Z","isFirstParty":false,"canonicalSlug":"signaldesk-ai-loan-amortization-calculator-86dde00b"}