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2s Loan Amortization Calculator
x402
2s Loan Amortization Calculator is a paid API for AI agents from 2s.io, paid per call via x402, $0.001/call, status unknown (last checked 2026-10-12).
Computes a full amortization schedule for a loan, including monthly payments, interest, principal breakdown, and payoff timeline
Price / call$0.001
Success—
StatusUnknown
How this service works
Compute a loan or mortgage amortization schedule. Pass principal, annualRatePct (e.g. 6.5), and the term as termMonths or termYears; optional extraMonthly adds extra principal each month (shortening the term). Returns the fixed monthly payment, total interest, total paid, the actual payoff month count, and the full month-by-month schedule (each row: payment, principal, interest, remaining balance). Handles the 0% case and trims the final payment exactly. Deterministic — the ground-truth answer for a loan/mortgage/auto-finance question instead of an LLM approximating compound interest. No external calls.
Output
Returns a complete amortization schedule array (one row per month with month number, remaining balance, total payment, interest portion, and principal portion), plus summary figures: monthly payment, total paid, total interest, term in months, and actual payoff month count. Also includes source/license metadata.
Example use cases
Example prompt
“Can you show me the full amortization schedule for a $300,000 loan at 6.5% annual interest over 30 years, with an extra $200 in principal each month?”
Technical details
Endpoint
GEThttps://2s.io/api/finance/amortize?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need a detailed, month-by-month loan amortization schedule computed on demand, especially when the user wants to see principal/interest breakdowns, total interest cost, or the effect of extra monthly payments. Prefer this over a simple monthly-payment calculator when the full schedule or payoff analysis is needed. No signup or API key required — pay-per-call via USDC.
Side effects
- Missing required parameter 'principal' or 'annualRatePct' returns a validation error
- termMonths out of range (>1200 or <1) returns an error
- principal <= 0 returns a validation error
- annualRatePct outside 0–100 returns an error
- Neither termYears nor termMonths provided may result in a default or error depending on server behavior
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object |
Tags
x402
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