{"uid":"cap_hccBz-Ep4Jxmpzg_aGi5Z","slug":"coco-loan-calculator-6d68416a","name":"CoCo Loan Calculator","description":"Zach Riehn's lab: an about-me and portfolio, a news desk, The Atelier for AI experiments, Launch Lab for XRP research, and Fracture for games.","url":"https://cocoeatsai.com/area4/agent/tools/loan?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input","output"],"properties":{"input":{"type":"object","required":["type","method","queryParams"],"properties":{"type":{"const":"http"},"method":{"enum":["GET"]},"queryParams":{"type":"object","properties":{"years":{"type":"string"},"principal":{"type":"string"},"extra_monthly":{"type":"string"},"annual_rate_pct":{"type":"string"}}}},"additionalProperties":false},"output":{"type":"object","required":["type","example"],"properties":{"type":{"const":"json"},"example":{"type":"object","required":["monthly_payment"],"properties":{"monthly_payment":{"type":"number"}}}}}}},"responseSchema":{"type":"json","example":{"total_paid":1052.91,"with_extra":null,"total_interest":52.91,"monthly_payment":43.87},"exampleNote":"Computed offline with demonstration inputs; time/random values are illustrative."},"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_V5v-soUo_9_Vvu97gN6Ky","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 loan payments, total paid, and total interest for a given principal, interest rate, and term, with optional extra monthly payments.","exampleAgentPrompt":"Can you calculate the monthly payment on a $1,000 loan at 5% annual interest over 2 years, and also show me what happens if I pay an extra $20 a month?","exampleUseCases":[{"title":"Personal loan repayment planning","prompt":"I'm thinking of taking out a $5,000 personal loan at 7.5% annual interest over 3 years — what would my monthly payment be and how much interest would I pay in total?"},{"title":"Extra payment impact analysis","prompt":"I have a $15,000 car loan at 6% annual interest over 5 years. What's my base monthly payment, and how does it change if I throw in an extra $50 each month?"},{"title":"Mortgage affordability estimate","prompt":"If I borrow $200,000 at 4.5% annual interest over 30 years, what will my monthly mortgage payment be and what's the total amount I'd end up paying?"}],"resultDescription":"Returns a JSON object with monthly_payment, total_paid, total_interest, and with_extra (the adjusted total when an extra monthly payment is specified; null if not provided).","failureModes":["Missing required query parameters (principal, annual_rate_pct, years) returns an error","Non-numeric string values for numeric fields may cause computation errors","Negative or zero principal/rate/years may produce unexpected results","Payment failure or insufficient USDC balance returns HTTP 402"],"whenToPreferThis":"Use this endpoint when you need a quick, serverless loan amortization calculation without building your own math — ideal for agents that need to compute monthly payments, total interest, or the impact of extra payments on a loan, especially within x402 micropayment workflows at $0.001 per call.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-19T12:44:03.313Z","isFirstParty":false,"canonicalSlug":"coco-loan-calculator-6d68416a"}