{"uid":"cap_z-x6NV-72mFI_eSdcH2e-","slug":"api-quantoracle-dev-aff98a96","name":"QuantOracle Fixed-Income Amortization Calculator","description":"QuantOracle: fixed-income/amortization","url":"https://api.quantoracle.dev/v1/fixed-income/amortization","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"years":{"type":"integer","title":"Years","maximum":50,"minimum":1,"description":"Loan term in years"},"principal":{"type":"number","title":"Principal","description":"Loan principal amount","exclusiveMinimum":0},"annual_rate":{"type":"number","title":"Annual Rate","minimum":0,"description":"Annual interest rate"},"extra_payment":{"type":"number","title":"Extra Payment","default":0,"description":"Extra payment per period"}}},"responseSchema":null,"example":{"request":{"years":30,"principal":350000,"annual_rate":6.5,"extra_payment":200},"response":{"ms":6.23,"_meta":{"url":"https://quantoracle.dev","docs":"https://api.quantoracle.dev/docs","powered_by":"QuantOracle"},"years":1.33,"months":16,"payment":189583.33,"schedule":[{"month":1,"balance":349800,"payment":189783.33,"interest":189583.33,"principal":200},{"month":2,"balance":349491.67,"payment":189783.33,"interest":189475,"principal":308.33},{"month":3,"balance":349016.32,"payment":189783.33,"interest":189307.99,"principal":475.35},{"month":4,"balance":348283.49,"payment":189783.33,"interest":189050.51,"principal":732.83},{"month":5,"balance":347153.72,"payment":189783.33,"interest":188653.56,"principal":1129.77},{"month":6,"balance":345411.98,"payment":189783.33,"interest":188041.6,"principal":1741.74},{"month":12,"balance":283813.77,"payment":189783.33,"interest":166398.98,"principal":23384.35},{"month":16,"balance":0,"payment":189783.33,"interest":57688.07,"principal":106501.06}],"with_extra":189783.33,"interest_saved":65239060.87,"total_interest":2660939.13}},"exampleRequest":{"years":30,"principal":350000,"annual_rate":6.5,"extra_payment":200},"tags":["x402"],"displayCostAmount":"0.005","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":"$0.005/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.005","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.005","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_kW6TOUTXFStz-c7Kpy0B0","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.005","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Computes a full loan amortization schedule with optional extra payments, returning month-by-month balances, interest, principal breakdown, and total interest saved","exampleAgentPrompt":"Can you generate a full amortization schedule for a $350,000 mortgage at 6.5% annual interest over 30 years, with an extra $200 payment each month, so I can see how much interest I save and when it'll be paid off?","exampleUseCases":null,"resultDescription":"Returns a complete month-by-month amortization schedule including each month's payment amount, remaining balance, interest portion, and principal portion; plus summary fields for total months to payoff, total interest paid, interest saved versus no extra payments, and the base monthly payment with and without extra contributions. Response time is typically under 20ms.","failureModes":["Missing required fields (principal, annual_rate, years) returns a 400 validation error","Negative or zero principal/rate/years results in computation error","Extremely large principal or very long terms may produce overflow or timeout","Invalid data types (e.g. string instead of number) return a 422 unprocessable entity"],"whenToPreferThis":"Use this endpoint when you need a precise, full amortization schedule for a fixed-rate loan, especially when modeling the impact of extra payments on total interest and payoff timeline. Prefer over generic financial calculators when you need a machine-readable month-by-month schedule array for further analysis or display.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T00:54:38.665Z","isFirstParty":false}