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Loan and Mortgage Calculator
x402
Loan and Mortgage Calculator is a paid API for AI agents from agent-data-tools.revmesh2074.workers.dev, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-30).
Calculates monthly payment, total interest, total paid, and amortization schedule for a fixed-rate loan or mortgage given principal, annual rate, and term.
Price / call$0.01
Success—
StatusUnknown
How this service works
Monthly payment of an amortised loan or mortgage from the amount, the annual interest rate and the term, plus the total paid, the total interest and the first months of the repayment schedule (principal, interest and balance). Fixed rate, monthly payments. Use to compare loan offers or plan a mortgage.
Output
Returns a JSON object with the computed monthly payment, total amount paid over the loan term, total interest paid, total number of payments, and an array of amortization schedule rows (up to 60) each showing the month number, payment amount, interest portion, principal portion, and remaining balance.
Example use cases
Comparing two mortgage offers
“I have two loan offers: $400,000 at 6.5% for 30 years, and $400,000 at 7.1% for 25 years. Can you calculate the monthly payment and total interest for each so I can compare them?”
First-time homebuyer budget planning
“I'm thinking of borrowing $275,000 at 7.25% for 30 years for my first home — what would my monthly payment be, how much total interest will I pay over the life of the loan, and can I see the first 6 months of how my payments break down?”
Car loan payoff breakdown
“I'm taking out a $28,000 car loan at 5.9% for 5 years. What's my monthly payment, how much interest will I pay in total, and show me the full 60-month repayment schedule?”
Technical details
Endpoint
GEThttps://agent-data-tools.revmesh2074.workers.dev/calc/loan?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need a quick, accurate amortization calculation for a fixed-rate loan or mortgage with monthly payments. It is ideal for comparing loan offers, planning a housing budget, or generating a detailed repayment schedule without building your own financial math. Prefer this over a generic calculator when you need both summary figures (monthly payment, total interest) and a schedule breakdown in a single call.
Side effects
- Missing required 'principal' or 'rate' parameter returns a validation error
- Rate of 0% may produce a divide-by-zero or edge-case result depending on implementation
- Very large or negative principal/rate values may return unexpected results
- rows parameter outside 0-60 range may be clamped or return an error
- Non-numeric inputs for numeric fields will cause a bad request error
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| raterequired | number | Annual interest rate in percent, 0-100 |
| rows | integer | Schedule rows to return, 0-60 (default 3) |
| years | number | Term in years (default 30), or give months |
| months | integer | Term in months, instead of years |
| principalrequired | number | Amount borrowed |
Output
Schema · Response
| Field | Type | Description |
|---|---|---|
| payments | number | |
| schedule | array | |
| totalPaid | number | |
| totalInterest | number | |
| monthlyPayment | number |
Tags
x402
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