{"uid":"cap_umYrjT8CHNztq1MW2LELN","slug":"mortgage-calculator-amortization-schedule-f47028c0","name":"Mortgage Calculator (Amortization Schedule)","description":"Mortgage/loan amortization: monthly payment, total paid, total interest and first-year schedule.","url":"https://164.160.90.241.sslip.io/api/math-mortgage-amortization-schedule?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","rate","years"],"properties":{"rate":{"type":"number","description":"Annual rate in percent"},"years":{"type":"number","description":"Term in years"},"principal":{"type":"number","description":"Loan amount"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object"}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"registry","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":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_Dnak1TyOq1-VkPjhPI1D2","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates monthly mortgage payment, total paid, total interest, and first-year amortization schedule given a loan principal, annual interest rate, and term in years.","exampleAgentPrompt":"Can you calculate the monthly payment, total interest, and first-year amortization schedule for a $350,000 mortgage at 6.75% annual interest over 30 years?","exampleUseCases":[{"title":"Home purchase affordability check","prompt":"I'm looking at a $450,000 home and putting 20% down — so a $360,000 mortgage. Can you tell me what my monthly payment would be at 7.1% interest over 30 years, how much total interest I'd pay, and show me the first-year payment breakdown?"},{"title":"Refinance comparison","prompt":"I'm thinking of refinancing my mortgage. Can you run the numbers on a $280,000 loan at 5.9% over 15 years — I want to see the monthly payment, total amount paid, total interest, and the first year's amortization schedule?"},{"title":"Short-term loan cost estimate","prompt":"What would my monthly payment and total interest cost be on a $50,000 personal loan at 8.5% annual rate over 5 years? Also show me the first-year payment schedule."}],"resultDescription":"Returns the computed monthly payment amount, total amount paid over the life of the loan, total interest paid, and a first-year amortization schedule showing how each monthly payment is split between principal and interest.","failureModes":["Missing required parameters (principal, rate, or years) returns an error","Non-numeric or negative values for principal, rate, or years may cause a computation error","Extremely large or unusual values (e.g. 0% rate, 0 years) may produce edge-case results","Network or server unavailability at the IP-based host may cause timeouts"],"whenToPreferThis":"Use this endpoint when you need a quick, low-cost computation of mortgage or loan amortization details — monthly payment, total paid, total interest, and first-year schedule — given principal, rate, and term. Prefer this over building your own formula when you want a ready-made API response with all key figures in one call. It is ideal for financial planning agents, real estate tools, or any workflow that compares loan scenarios.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-12T00:39:38.482Z","isFirstParty":false,"canonicalSlug":"mortgage-calculator-amortization-schedule-f47028c0"}