# CoCo Loan Calculator

> 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.

## Facts

- Endpoint: GET https://cocoeatsai.com/area4/agent/tools/loan?utm_source=zero.xyz
- Price: $0.001/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-19
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/coco-loan-calculator-6d68416a
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_hccBz-Ep4Jxmpzg_aGi5Z

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 coco-loan-calculator-6d68416a
```

Example prompt: Can you calculate the monthly payment on a $1,000 loan at 5% annual interest over 2 years, and also show me what happens if I pay an extra $20 a month?

## When to prefer this

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.

## Known failure modes

- 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

## 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).

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input",
  "output"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method",
    "queryParams"
   ],
   "properties": {
    "type": {
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ]
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "years": {
       "type": "string"
      },
      "principal": {
       "type": "string"
      },
      "extra_monthly": {
       "type": "string"
      },
      "annual_rate_pct": {
       "type": "string"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type",
    "example"
   ],
   "properties": {
    "type": {
     "const": "json"
    },
    "example": {
     "type": "object",
     "required": [
      "monthly_payment"
     ],
     "properties": {
      "monthly_payment": {
       "type": "number"
      }
     }
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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."
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/coco-loan-calculator-6d68416a/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from cocoeatsai.com](https://www.zero.xyz/host/cocoeatsai.com/llms.txt)