# 2s Loan Amortization Calculator

> 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

## Facts

- Endpoint: GET https://2s.io/api/finance/amortize?utm_source=zero.xyz
- Price: $0.001/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-12
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/2s-loan-amortization-calculator-e9cbe7e1
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_8QMT_dtbhnPCgDusbum-O

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability 2s-loan-amortization-calculator-e9cbe7e1
```

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?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method",
    "queryParams"
   ],
   "properties": {
    "type": {
     "const": "http"
    },
    "method": {
     "const": "GET"
    },
    "queryParams": {
     "required": [
      "principal",
      "annualRatePct"
     ],
     "properties": {
      "principal": {
       "type": "number",
       "description": "Loan principal (> 0)."
      },
      "termYears": {
       "type": "number",
       "description": "Term in years (converted to months)."
      },
      "termMonths": {
       "type": "integer",
       "description": "Term in months (1..1200). Provide this or termYears."
      },
      "extraMonthly": {
       "type": "number",
       "description": "Optional extra principal each month (>= 0)."
      },
      "annualRatePct": {
       "type": "number",
       "description": "Annual nominal interest rate as a percent (0..100)."
      }
     }
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/2s-loan-amortization-calculator-e9cbe7e1/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from 2s.io](https://www.zero.xyz/host/2s.io/llms.txt)