# AgentTools Loan Payment Calculator

> AgentTools Loan Payment Calculator is a paid API for AI agents from agenttools-hub.vercel.app, paid per call via x402, $0.002/call, status unknown (last checked 2026-10-02).

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

## Facts

- Endpoint: GET https://agenttools-hub.vercel.app/api/v1/calculators/loan-payment-calculator?utm_source=zero.xyz
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-02
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/agenttools-loan-payment-calculator-f044332a
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_MI03XnY7Dp7jQmWeJTLI1

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-f044332a
```

Example prompt: What would my monthly payment be on a $180,000 mortgage at 6.75% annual interest over 30 years, and how much total interest would I end up paying?

## When to prefer this

Use this endpoint when an agent needs to quickly compute fixed monthly loan payments, total repayment, and total interest using the standard annuity formula — particularly for mortgage, auto, personal, or student loan scenarios. Prefer this over manual calculation or general-purpose math endpoints when finance-specific structured output (monthly payment + total repaid + total interest) is needed in a single call.

## Known failure modes

- Missing required query parameters (principal, annualRate, or years) returns a validation error
- Non-numeric or negative values for principal, annualRate, or years may return an error or unexpected result
- A zero interest rate may be handled as a special case or return an error depending on implementation
- Very large principal or unusual rate values could produce overflow or precision issues
- Payment failure (x402) if USDC balance is insufficient for the $0.002 per-call fee

## 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 derived from the provided principal, annual interest rate, and loan 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-f044332a/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from agenttools-hub.vercel.app](https://www.zero.xyz/host/agenttools-hub.vercel.app/llms.txt)