# Loan and Mortgage Calculator

> 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.

## Facts

- Endpoint: GET https://agent-data-tools.revmesh2074.workers.dev/calc/loan?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Provider: agent-data-tools.revmesh2074.workers.dev
- Website: https://agent-data-tools.revmesh2074.workers.dev
- Tags: x402
- Canonical page: https://www.zero.xyz/c/agent-data-tools-revmesh2074-workers-dev-loan-and-mortgage-calculator-b5079585
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_ihjuOqc3xm7_DDp6dqGLS

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 agent-data-tools-revmesh2074-workers-dev-loan-and-mortgage-calculator-b5079585
```

Example prompt: Can you calculate the monthly payment and total interest for a $350,000 mortgage at 6.75% annual interest over 30 years, and show me the first 12 months of the repayment schedule?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "principal",
  "rate"
 ],
 "properties": {
  "rate": {
   "type": "number",
   "description": "Annual interest rate in percent, 0-100"
  },
  "rows": {
   "type": "integer",
   "description": "Schedule rows to return, 0-60 (default 3)"
  },
  "years": {
   "type": "number",
   "description": "Term in years (default 30), or give months"
  },
  "months": {
   "type": "integer",
   "description": "Term in months, instead of years"
  },
  "principal": {
   "type": "number",
   "description": "Amount borrowed"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "payments": {
   "type": "number"
  },
  "schedule": {
   "type": "array",
   "items": {
    "type": "object",
    "properties": {
     "month": {
      "type": "number"
     },
     "balance": {
      "type": "number"
     },
     "payment": {
      "type": "number"
     },
     "interest": {
      "type": "number"
     },
     "principal": {
      "type": "number"
     }
    }
   }
  },
  "totalPaid": {
   "type": "number"
  },
  "totalInterest": {
   "type": "number"
  },
  "monthlyPayment": {
   "type": "number"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/agent-data-tools-revmesh2074-workers-dev-loan-and-mortgage-calculator-b5079585/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from agent-data-tools.revmesh2074.workers.dev](https://www.zero.xyz/host/agent-data-tools.revmesh2074.workers.dev/llms.txt)