{"uid":"cap_tSGOTAZwjbZW4-1OsiviQ","slug":"signaldesk-ai-loan-payment-calculator-5c9921c8","name":"SignalDesk AI Loan Payment 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/loan-payment?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"months":{"type":"integer","maximum":1200,"minimum":1,"description":"Payments."},"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.","total_paid":1200,"total_interest":0,"monthly_payment":100}},"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_yrW9dYJwBB8se4zmtkeZF","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 payment, total amount paid, and total interest from principal, annual rate, and loan term in months","exampleAgentPrompt":"What would my monthly payment be on a $250,000 loan at 5.5% annual interest rate over 360 months?","exampleUseCases":[{"title":"Mortgage affordability check","prompt":"I'm thinking of taking out a $400,000 mortgage at 6.8% annual interest rate over 360 months — what would my monthly payment be and how much total interest would I end up paying?"},{"title":"Car loan total cost estimate","prompt":"If I finance a $35,000 car at 7.2% annual rate for 60 months, what's my monthly payment and how much will I pay in total?"},{"title":"Personal loan comparison","prompt":"Help me compare two personal loans: one is $15,000 at 9% for 36 months, and the other is $15,000 at 7.5% for 48 months — calculate the monthly payment and total interest for each."}],"resultDescription":"Returns a JSON object with: monthly_payment (fixed payment per period), total_paid (sum of all payments), total_interest (total interest charged over the life of the loan), and a disclaimer notice that results are for calculation purposes only and not financial advice.","failureModes":["Missing required fields (principal, annual_rate_percent, months) return a 400-level error","annual_rate_percent or principal values outside allowed range (e.g. negative) are rejected","months exceeding 1200 or below 1 are rejected","Payment gateway failure (x402) if USDC payment not attached or insufficient","Floating-point rounding in edge cases (e.g. 0% interest rate yields exact division)"],"whenToPreferThis":"Use this endpoint when you need a quick, deterministic fixed-rate loan payment calculation from supplied inputs — no live rate fetching, no credit checks, no tax advice. Ideal for agents embedding loan math into financial planning workflows, chatbots, or comparison tools that already have a principal, rate, and term ready to calculate.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-13T00:42:06.800Z","isFirstParty":false,"canonicalSlug":"signaldesk-ai-loan-payment-calculator-5c9921c8"}