# AgentTools Loan Payment Calculator

> AgentTools Loan Payment Calculator is a paid API for AI agents from agentstoolshub.com, paid per call via x402, $0.003/call, status unknown (last checked 2026-10-12).

Calculates the fixed monthly payment, total repaid, and total interest for a loan using the annuity formula given principal, annual interest rate, and term in years.

## Facts

- Endpoint: GET https://agentstoolshub.com/api/v1/calculators/loan-payment-calculator?utm_source=zero.xyz
- Price: $0.003/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-12
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/agenttools-loan-payment-calculator-456d67d4
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_71Fe35fWBGLuPOKXv-p3o

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 agenttools-loan-payment-calculator-456d67d4
```

Example prompt: What will my monthly payment be on a $250,000 mortgage at 6.5% annual interest over 30 years, and how much total interest will I end up paying?

## When to prefer this

Choose this endpoint when an agent needs a quick, accurate annuity-based loan payment calculation without setting up a financial library. Ideal for personal finance assistants, mortgage advisors, or any workflow that needs monthly payment, total repayment, and interest breakdown from three simple inputs. Prefer over generic calculators when you want a hosted, pay-per-call API with no setup.

## Known failure modes

- Missing required query parameters (principal, annualRate, or years) returns a 400 error
- Non-numeric or negative values for principal, rate, or years may return a validation error
- An annual rate of 0% may cause division-by-zero handling differences — check response
- Very large principal or term values may produce unrealistic results without validation
- Payment gateway failure (x402) may prevent the call from completing if USDC balance is insufficient

## How this service works

Calculate the fixed monthly payment for a loan from its principal, annual interest rate and term in years, plus total repaid and total interest (annuity formula). Use this when an agent needs to monthly payment, total cost and interest for any loan.

## Output

Returns the fixed monthly payment amount (annuity formula), the total amount repaid over the full loan term, and the total interest paid — all computed from the supplied principal, annual interest rate percentage, and term in years.

## 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"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "principal",
      "annualRate",
      "years"
     ],
     "properties": {
      "years": {
       "type": "number",
       "description": "Term (years)"
      },
      "principal": {
       "type": "number",
       "description": "Loan amount"
      },
      "annualRate": {
       "type": "number",
       "description": "Annual rate %"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/agenttools-loan-payment-calculator-456d67d4/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from agentstoolshub.com](https://www.zero.xyz/host/agentstoolshub.com/llms.txt)