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24K Labs Loan Amortization Schedule
x402
24K Labs Loan Amortization Schedule is a paid API for AI agents from api.24klabs.ai, paid per call via x402, $0.003/call, status unknown (last checked 2026-09-13).
Generates a full amortization table from loan principal, APR, and term, including monthly payment, per-period principal/interest split, running balance, total interest, and payoff date.
Price / call$0.003
Success—
StatusUnknown
How this service works
Full amortization table from principal, APR and term (plus optional extra payment): monthly payment, per-period principal/interest split, running balance, total interest, payoff date.
Output
Returns a structured amortization table with one row per payment period, each containing the payment number, payment date, monthly payment amount, principal portion, interest portion, and remaining balance. Also includes summary fields: total interest paid over the life of the loan, total amount paid, and the projected payoff date. When an extra payment is specified, the schedule recalculates accordingly, showing the accelerated payoff timeline.
Example use cases
Mortgage payoff with extra payments
“I have a $400,000 mortgage at 7.2% APR with 25 years left on the term — show me the full amortization table if I add $500 extra per month, including total interest saved and the new payoff date.”
Auto loan monthly breakdown
“Can you calculate the full payment schedule for a $28,000 car loan at 5.9% APR over 60 months? I want to see how much goes to principal vs interest each month and the total interest I'll pay over the life of the loan.”
Student loan early payoff analysis
“Run an amortization table for a $45,000 student loan at 4.5% APR over 120 months — I'm considering paying an extra $100 a month and want to see the updated payoff date and running balance for each period.”
Technical details
Endpoint
POSThttps://api.24klabs.ai/api/v1/loan-amortization-scheduleWhen to prefer
Choose this endpoint when you need a complete, period-by-period amortization schedule rather than just a single monthly payment figure. It is ideal for financial planning tools, mortgage calculators, loan comparison apps, or any agent workflow that requires detailed per-period principal/interest breakdowns, running balance tracking, total interest cost, and accurate payoff date projections — especially when modeling the impact of extra payments.
Side effects
- Invalid or negative principal returns a 400 error
- APR of 0 or negative value causes a computation error
- Term of zero or negative months returns a validation error
- Malformed JSON body returns a 400 bad request
- Missing required fields (principal, APR, or term) returns a 422 unprocessable entity
- Very large extra payment exceeding remaining balance may produce a shortened schedule or error
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| apr | number | |
| principal | number | |
| start_date | string | |
| term_years | number | |
| extra_payment | number |
Output
Schema · Response
{
"type": "json",
"example": {
"payoff_months": 300,
"total_interest": 296697,
"monthly_payment": 1580.17
}
}Tags
x402
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