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CoCo Loan Calculator
x402
CoCo Loan Calculator is a paid API for AI agents from cocoeatsai.com, paid per call via x402, $0.001/call, status unknown (last checked 2026-10-19).
Calculates monthly loan payments, total paid, and total interest for a given principal, interest rate, and term, with optional extra monthly payments.
Price / call$0.001
Success—
StatusUnknown
How this service works
Zach Riehn's lab: an about-me and portfolio, a news desk, The Atelier for AI experiments, Launch Lab for XRP research, and Fracture for games.
Output
Returns a JSON object with monthly_payment, total_paid, total_interest, and with_extra (the adjusted total when an extra monthly payment is specified; null if not provided).
Example use cases
Personal loan repayment planning
“I'm thinking of taking out a $5,000 personal loan at 7.5% annual interest over 3 years — what would my monthly payment be and how much interest would I pay in total?”
Extra payment impact analysis
“I have a $15,000 car loan at 6% annual interest over 5 years. What's my base monthly payment, and how does it change if I throw in an extra $50 each month?”
Mortgage affordability estimate
“If I borrow $200,000 at 4.5% annual interest over 30 years, what will my monthly mortgage payment be and what's the total amount I'd end up paying?”
Technical details
Endpoint
GEThttps://cocoeatsai.com/area4/agent/tools/loan?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need a quick, serverless loan amortization calculation without building your own math — ideal for agents that need to compute monthly payments, total interest, or the impact of extra payments on a loan, especially within x402 micropayment workflows at $0.001 per call.
Side effects
- Missing required query parameters (principal, annual_rate_pct, years) returns an error
- Non-numeric string values for numeric fields may cause computation errors
- Negative or zero principal/rate/years may produce unexpected results
- Payment failure or insufficient USDC balance returns HTTP 402
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| outputrequired | object |
Output
Schema · Response
{
"type": "json",
"example": {
"total_paid": 1052.91,
"with_extra": null,
"total_interest": 52.91,
"monthly_payment": 43.87
},
"exampleNote": "Computed offline with demonstration inputs; time/random values are illustrative."
}Tags
x402
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